Payment Solutions Services

Electronic Check Processing

  • ECS converts paper checks into safe, efficient electronic transactions that are processed with the speed and ease of credit card transactions.
  • Supports real-time financial processing for all checks by automatically and systematically leveraging three processing methods.
  • Direct DDA Access - Reaches more than 30 percent of consumer checking accounts through a realtime debit gateway
  • Automated Clearing House (ACH) Processing - Clears checks drawn on non-participating DDA banks through the ACH network.
  • Check Replacement Document (CRD) Processing - Processes business checks and exception items through the banking system.
Web Based Terminals
  • Turns any PC into a virtual payment solutions
  • Web Browser based
  • Accommodates an unlimited number of users
  • Automated Recurring Billing
Mobile Payment Solutions
  • Wireless terminals are designed to enable mobile businesses to accept credit card without the need of brick and mortar.
  • Smart phone compatible
  • Swipe rates available
  • Industry specific terminals offered
Lower Credit Card Transaction Costs
  • Some of the lowest rates offered in the industry
  • Zero junk fees
  • Transparent pricing
  • No Monthly minimum




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Click on the AOA Insurance Services which are of interest to you:   

Agents’ Errors and Omissions Insurance
Professional Liability Insurance
Workers’ Compensation Program
Payroll Services
Payment Solutions
Limited Medical Insurance
Group/Individual Health Plans
Health and Wellness Benefit Program