FINALLY: A method that provides 0% processing-fee credit card transactions

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What is Check 22?

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In 2003, the U.S. Congress enacted a federal law called “Check 21” that allows the recipient of a paper check to create a digital version of the original check. This digital electronic format is called a “substitute check”. AllCom’s Check22 is the next step. We’ve changed the process from a “Debit” (grab) transaction to a “Push” transaction where the payer decides when and how much they wish to pay.

You Can Send a Check22 Payment

You can send your own Check22 payments in just moments – drawn against your own checking account – to anyone you want, whenever you want. Just go to activate your GenieChecking account and create your own Check22. Provide a few details about your checking account, and we will prepare your Check22 as an electronic “substitute check”. Email it, or print and mail it – however you want. When your payee deposits your Check22, it will be charged to your regular checking account at the bank you provided, just like any
other check you write!

Check22 can be:

  1. Emailed directly to any recipient, who can then deposit it into their bank account
  2. Deposited electronically using most PC or Smartphone banking apps
  3. Printed on most printers (color printers are best) and deposited as a traditional check
  4. Printed and mailed as a payment

The Check22 Information Line – Just call 800-365- 7700, anytime – 24x7x365:

The GenieCard

Imagine a debit card, with complete privacy, convenience and security, designed specifically for unbanked merchants and their customers; a debit card which doesn’t contain any of your personal information – not even your name – just your ten-digit card number.

To make a purchase, just present your card to the merchant. They’ll enter your card number into their virtual point of sale system to start the transaction. In a few seconds, you’ll get a text message to confirm the payment, asking you for a YES or a NO answer. Say YES and you’re done! Say NO (or don’t answer) and the payment never happens. Payments online or by phone are similar. All you do is provide your card number, but the process is the same.

If the balance in your CashBox is enough to cover your purchase, then it’s processed automatically as a real-time, Peer-to- Peer payment. If your balance isn’t enough for the purchase, then your payment is processed automatically as a debit to the checking account you provided in your original Genie CashBox application. You’re not sharing checking account information with the merchant or anyone else when making a purchase. Your bank statement will display a cancelled Check22 representing your payment. The merchant never sees anything
about your checking account.