Postdated Payment Check

Live. Check postdated checks, ACH and card payments before you deposit them: the FDCPA written-notice window, early deposits, threats, Reg E recurring-debit authorization and Nacha phone-ACH proof.

Send each payment with an opaque reference, method, the date you received it, the scheduled date and, if known, the deposit date and the date you sent notice. For payments postdated more than 5 days it works out the written-notice window (no more than 10 and no less than 3 business days before deposit, skipping weekends and Federal Reserve holidays) and flags a notice sent too early, too late or not at all (FDCPA 1692f(2)). It blocks depositing before the date (1692f(4)) and any threat of criminal prosecution (1692f(3)), requires a signed recurring-debit authorization and a copy to the consumer (Reg E 1005.10(b)), and proof for phone ACH (Nacha TEL). Each payment comes back hold, ok with actions, or ok, with the fix. No card, bank, SSN or name data is accepted. Up to 5,000 payments per call, billed per payment. Nothing is stored. Not legal advice.

Price: $0.001 per call after 1,000 free per month.

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