Hey Holly. It was good seeing you in Phoenix and meeting your sister, too. ;-)
Just to try and clarify WTS' billing philosophy, what we mean buy charging on "cleared" checks is as follows:
When WTS accepts a transaction in real-time (following the scrubbing), we do not charge our merchants.
Instead, we wait 8 calander days. At that time, if the initial transaction has not been returned, we count the check as settled (cleared) and assess our fee.
This is what we mean by charging on settled (cleared) checks.
Merchants who would like more information can
Click Here for a better understanding of what WTS can provide via our ACH Debit solution.