Financial services, namely, electronic check conversion, which allows for check verification through the automated clearing house network by converting a paper check to an electronic item at the point of sale; online electronic checks, which allows online merchants to easily accept and process electronic check payments directly from their website; electronic phone checks, which allows merchants to accept payment over the phone or Internet by directly drafting customer's checking account; credit card services, electronic check recovery, which allows merchants to collect bounced checks electronically; automated payment services which use pre-authorized checking to insure that all customer's monthly payments are received on time; electronic commerce services, which allows for verification of online purchases via a global computer network thorough the automated clearing house network; and automated clearing house services