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Payment Processing / Remote Deposit Comparison Chart


There are many benefits to scanning and electronic posting of your payments, but the two biggest are time savings and customer service. Electronic processing will reduce the time CSR's take manually entering the payments. With electronic processing companies remove the valuable time used to follow the paper trail to research keystroke errors.

We carry four basic types of payment scanning software: MirrorImage PPS, DesktopRemit, Remote Deposit and Check Archive.

MirrorImage PPS is the most popular and robust of the four.  By scanning the remittance stubs and checks, PPS will save significant time and money compared to hand processing. There are many additional options and add-ons which can assist in simplifying the task of processing payments. Consult one of our specialist to see what PPS can do for you.  ... Learn More

DesktopRemit much like PPS DesktopRemit can handle processing of remittance stubs and checks, just on a smaller scale.  ... Learn More

Remote Deposit is an inexpensive check scanning solution made for the organizations that "just need to get the checks to the bank".

Check Archive is much like microfilming.  Check Archive is a simple solution to just gather the check image.  Unlike some other archiving software, Check Archive will also store the check MICR information and optional dollar amount.  ... Learn More

The above tabs will give you a comparison of the four levels of scanning software.  The items in bold are things we believe makes us unique from some other scanning solutions.  Feel free to contact one of our specialist with any questions.

Click on the features to view more information
X - Standard Feature O - Option
General Features
Feature MirrorImage PPS DesktopRemit Remote Deposit Check Archive WebRemit
Processing Limit

    DesktopRemit's number breakdown is 75,000 remittance and 75,000 checks, Total number of items allowed 150,000.

    WebRemit is total number of documents. Any item over the limit will be charged per item.

Unlimited 150,000/yr Unlimited Unlimited 2,000/mo
Hosted in the cloud         X
Database SQL or SQL Express X X X X  
Multiple Scan Stations

    The software is licensed by concurrent users. It can be put on multiple stations, then only the licensed number of people can scan at one time. 

    Additional licenses can be purchased at any time.

O O O O O
Multiple Repair Stations

    The software is licensed by concurrent users. It can be put on multiple stations, then only the licensed number of people can balance at one time. 

    Additional licenses can be purchased at any time.

O O O O O
Multiple Research Stations

    The software is licensed by concurrent users. It can be put on multiple stations, then only the licensed number of people in research at one time. 

    Additional licenses can be purchased at any time.

O O O O O
Browser Based Research
    Unlimited users can research items at the same time.
O O O O X
Scan and Balance in the Same Screen X X X  
Scan and Balance in the Separate Screen
    This allows one person to scan one batch while another can balance another batch at the same time.
X X
Click on the features to view more information
X - Standard Feature O - Option
Scanning Features
Feature MirrorImage PPS DesktopRemit Remote Deposit Check Archive WebRemit
Checks X X X X X
Remittance Stubs
    Although you can scan remittances in check archive, the system will not read the information on a remittance stub.
X X O X
Remittance Stubs Limits
    The number of remittance stub types allowed in the system. Although you can scan remittances in Check Archive, the system will not read the information on a remittance stub as it can in PPS and DesktopRemit.
X O  
Multiple Check/Stubs One Pass
    No presorting of transactions with multiple stubs or checks from transactions of one stub / one check combination.
X X X
Multiple Form Types Single Pass
    No presorting of the different form layouts.
X X X
Multiple Dollar Amount Reads
    Read multiple dollar amounts on one remittance then do an amount compare to the check.  Saves time on balancing.
X X
Reading - OCR Line X X X
Reading - Barcode X X X
Reading - 2d Barcode X X X
Reading - Checkboxes X X X
Reading - Spot Reads X X X
Reading - Option Boxes X X X
CAR/LAR
    Courtesy and legal amount recognition
X X X O X
MICR Line Captured
    The MICR line on a check is the information on the bottom of the check that contains the basic bank information pertaining to the check.
X X X X X
Check digit Verification
    The number located on the far right side of a bar code or OCR line is known as the check digit. The check digit is a calculation of all the other numbers in the code.  It ensures the integrity of your OCR line or barcode.
X X
Address Correction Flag
    Can be detected by a check box or image back size.
X X
Insert Scanned Item - Transaction
    If a transaction is missing an item, you can insert an item into the transaction without having to delete and rescan the transaction.
X
Rescan Image
    If an image is skewed, you can simply rescan right over the image without having to delete and rescan the transaction.
X X X X  
Scanning - Image Only
    Create a digital copy of an item without extracting any information from the document.
X X X X  
Scan Remittances Upside Down - Auto Rotation
    If you have a bad perf on your remittance stubs and would get better read rates scanning upside down, the system will automatically rotate the item and read the information
X X
Scan Remittances Upside Down
    If you accidentally put a remittance in upside down, the system can still read the item
X X
Duplicate Identification
    Duplicate items are identified by a adjustable system defined number of days.
X X X X X
Stop Pay Notification
    Items can be flagged for the operator to accept or decline. This can be done by any information on the item.
X X
Table Compare
    Used for three main issues (but not confined to those issues)  1) Adding information into the system that is not on the remittance.  2) Flag an item for stop pay or any notification.  3)  Account number verification
X X
Colorize Visualization of Document Type
    Items can be colorize by type for easy visualization of the item.
X X X X X
Customizable Item Requirements
    Other than amount and account number, can have up to 20 additional customizable values
X X X X  
Customizable Display
    Screens can easily display any of the information in a listing.  Operator can also sort the list by any of the columns.
X X X X  
Click on the features to view more information
X - Standard Feature O - Option
Balancing Features
Feature MirrorImage PPS DesktopRemit Remote Deposit Check Archive WebRemit
Insert Virtual Item X
Generate Remittance
    If you receive the check with out the remittance you can easily create a virtual remittance without having to print and scan.
X
Generate Notice
    Create a document from a word document template. This would be good if you need to send a customer a notification on their payment.
X
Insert Scanned Item - Transaction
    If a transaction is missing an item, you can insert an item into the transaction without having to delete and rescan the transaction.
X
Adjustable Item Type without Deletion
    If an item read incorrectly, you can easily change the item type without having to delete and rescan the transaction.
X X X X  
Rescan Image
    If an image is skewed, you can simply rescan right over the image without having to delete and rescan the transaction.
X X X X  
Move Items Between Transactions
    If an item was scanned with the wrong transaction, you can move it to the correct transaction without having to delete and rescan
X
Move Items Between Batches
    If a transaction was scanned to the wrong batch, you can move it to the correct batch without having to delete and rescan
X
Image Rotation X X X X  
Image Rotation - Save X X X X  
Image Zoom X X X X  
Image Rubberband Zoom
    Create a box on the image around the information you would like to zoom in and see
X X X X  
Colorize Visualization of Document Type
    Items can be colorize by type for easy visualization of the item.
X X X X  
Customizable Item Requirements
    Other than amount and account number, can have up to 20 additional customizable values
X X X X  
Hide Balanced Transactions
    For easy balancing the balanced items can be temporally hidden.
X X
Transaction View Balancing
    Each transaction is displayed individually for easy balancing.
X x
Batch View Balancing
    All out of balance transactions are displayed in a spreadsheet view for balancing.
X X
Customizable Display
    Screens can easily display any of the information in a listing.  Operator can also sort the list by any of the columns.
X X X X  
Computer Read Amount
    To assist in balancing, the computer can read the item amounts or details.
X
Click on the features to view more information
X - Standard Feature O - Option
Research Features
Feature MirrorImage PPS DesktopRemit Remote Deposit Check Archive WebRemit
Image Zoom X X X X X
Image Rubberband Zoom
    Create a box on the image around the information you would like to zoom in and see
X X X X X
Colorize Visualization of Document Type
    Items can be colorize by type for easy visualization of the item.
X X X X X
Customizable Display
    Screens can easily display any of the information in a listing.  Operator can also sort the list by any of the columns.
X X X X  
Research Via Any Value on an Item X X X X X
Research Batch / Item X X X X X
Resubmit Item to the Bank X X X
Print Images
    Images can be printed with or without item information
X X X X  
Computer Read Amount
    To assist in balancing, the computer can read the item amounts or details.
X
Add Notes to Item
    Add a note to an item to assist customer service with inquiries
X X X X  
Click on the features to view more information
X - Standard Feature O - Option
Reports and Exports Features
Feature MirrorImage PPS DesktopRemit Remote Deposit Check Archive WebRemit
Bank File - ACH X X X
Bank File - Image
    X9.37 or 100.180
X X X X
Multiple Image Files O O O
Multiple ACH Files O O O
Bank Files Created to Bank Standards
    We do not require the bank to change their file requirements to our standard file.  We create the file to the bank's requirements
X X X X
Automatic FTP Transfer to Bank X X X X
Standard CSV Posting File X X X X X
Customized Posting File
    We do not require the posting software to change their file requirements to our standard file.  We create the file to their requirements.
X O X
Image Export
    Export images with our without the image information.
X
Image Export With Image Information O O O O  
Appended Image Endorsement X X X X X
Standard Reports X X X X X
Customizable Reports to Customer Requirements X X X X  
Resubmit Item to the Bank X X X
Print Images
    Images can be printed with or without item information
X X X X  
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