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The ZipPay™ system captures check information in any environment including; single & multi-lane register configurations or in the back office. We provide: Check conversion, Check Imaging, Remote deposit capture, Remittance processing, Lockbox processing, and Customized verification and Velocity. When ZipPay™ is combined with Zamco Collect not only will you realize cost savings and improved efficiency but you will generate new revenue.


Check processing is an important part of any enterprise payment strategy. You need to be able to accept all forms of payment that your customers may want to use. And, you need to control risk and limit costly and time consuming returns. Check Image processing (which includes check conversion to ACH) offers extraordinary benefits to businesses of all sizes. ZipPay™ makes it possible for everyone to take advantage of this technology.

The ZipPay™ system captures check information in any environment from single & multi-lane register configurations to the back Office. We provide check conversion, check imaging, remote deposit capture, remittance processing, lockbox processing, and customized verification and velocity. When ZipPay™ is combined with Zamco Collect you'll have a strategic enterprise-level payment solution that will save you money, save you time, and generate new revenue.

ZipPay™ Capabilities

Integrated Point-of-Sale (POS) and (POP) Point-of-purchase

Back Office Conversion (BOC)

ARC or Mailed-ln Payment Processing

PPD or Monthly Recurring Payments

Telephone and Other Electronic Checks

Check and Account Verification and Velocity

Check Guarantee Programs

Zamco Collect Payment Collections and Return Item Processing

Legacy Payment Systems Integration

Web Information Reporting Environment (WIRE™ )

Benefits of using Check Image

No More Handling of Checks, With Electronic and Automated Deposit

Lowers The Cost of Operations and Deposits

No More Trips To The Bank To Make A Check Deposit

Extended Deposit Cut-Off Times

Single Data Site of Shared Check Information

Instant Access To Check Image Research

Consolidated Bank Relationships

Faster Funds Availability

Easy To Implement and Easy To Use

ZAMCO'S check processing solution covers all facets Of check processing in a single application. ZipPay™ is your gateway to the electronic payments platform. This solution, as with all ZAMCO services, integrates into our consolidated return and collection process called Zamco Collect. ZipPay™ is your single source solution for originating POP ARC, RCK, BOC, PPD, WEB, TEL and Check 21 transactions in a single or multi-lane environment.

ZipPay™ provides the framework for you to originate these transactions while simultaneously performing verification and check image capture — all in seconds. If your organization requires a check guarantee program, ZAMCO can provide this service as well. With ZipPay™ , you can view your transactions and images locally or through our secure online reporting tool (WIRE™ ).

Reporting and Research — W I R E™

WIRE™ — Web Information Reporting Environment — is a secure and convenient way for you to access and view all Of your account activity. Our comprehensive reporting package includes all daily transactions, fees, return information, and checks images. You can also perform resubmissions and check lookups through WIRE™ . Best of all, it's provided free when you process with ZAMCO.

WIRE™ gives you secure. state-of-the-art access to your account information — anytime. anywhere. Multiple layers of security including secure user authentication, 128 bit encryption, and firewalls keep your data secure and always available! Some Of the Other benefits Of WIRE™ are:

  • Built In Security Management
  • Intuitive and Easy To use
  • On Call Customer Service Program
  • Instant Access TO Daily Check and Return Detail
  • View Reports Online — Anywhere, Anytime
  • Perform Resubmissions Online
  • View Checks and Perform Activity Lookups

You'll have a single online site for all your shared check information, with instant access to check image research and a consolidated view of all your bank relationships.

Automated Clearing House (ACH)

Automated Clearing House (ACH) is an electronic network for facilitating financial transactions for virtually every type of business or entity in the US. ZAMCO offers ACH to our clients as direct debit — and credit — transfers that include everything from purchases at stores and consumer payments on insurance premiums, to mortgage remittance and other kinds Of bills. Businesses are also increasingly using ACH to collect payment from customers online, rather than accepting credit or debit cards.




Complete line of ACH products and services:

  • BOC Payments
  • ARC or Mailed-ln. Lockbox Payment Processing
  • RCK Processing
  • PPD. PAD and Recurring Payments
  • TEL and Other Phone Payments
  • WEB and Other Phone Payments and Services
  • Integrated (POS) & (POP) Point-of-purchase Transactions
  • Web Information Reporting Environment (WIRE™ )

ACH payments are efficient. affordable. they are time tested and have proven to be a very reliable way for merchants. businesses. and consumers to do business. ACH transactions can be created by converting physical items such as checks into this form of payment. ACH transactions allow for rapid clearance and settlement and are often the most affordable transaction option for a business.

Benefits and Advantages of the ZAMCO ACH Solution:

  • Automates and Streamlines The Payment Process
  • Automates Most Accounting Operations
  • Reduces or Eliminates Most Bank Fees
  • Automates The Deposit Process
  • Faster Funds Availability
  • Keep Your Current Banking Relationship
  • Legacy Payment Systems Integration

Let ZAMCO accelerate your funds availability and Simply receivables processing through Our efficient and technologically advanced retail lockbox services. Our lockbox services can help you:

    Reduce Overhead Costs
  • Improve Staff Productivity
  • Streamline Your Entire Payments Process
  • Accelerate Funds Availability
  • Get Detailed Online Reporting
  • Better Satisfy Your Customers

Getting Started

Request a proposal or get your custom solution quoted.

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Zamco Payment Services has processed millions of transactions each year since 2001 and specializes in custom designed solutions for your payment needs.

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