SVPCO - ECS/Image

Our goal is to convert the current system of check collection and settlement, which moves paper checks around the country, to a safer, faster, and more efficient electronic system that sends electronic data and images of checks.

Electronic Check Presentment transmits electronic information with “paper to follow” with settlement. If you are getting ready for check image exchange , find out how ECP can get you there faster.


The Clearing House Payment System Network clears and settles check images for financial institutions across the US – and does much more.

With this industrial-strength pipeline in place for check images, it easily can be leveraged for other transactions and information.

Efficiency Instead of an inefficient central switch, this network employs Distributed Traffic Agents (DTAs). These devices, installed in the financial institution or third party, route the check image or other information directly to where it needs to go.

Check Check Electronification Image ACH (EPN) Wire (CHIPS) With this industrial-strength pipeline in place for check images, it easily can be leveraged for other transactions and information. For Image Exchange, this network follows a common set of rules and industry standards.

Economies of Scale Initial participants represent 60% of commercial bank deposits. That means, financial institutions of all sizes benefit from the economies of scale right away.

Utility for All The payment system network is a national, bank-owned utility that reaches all banks nationwide, either directly or through correspondents, the Federal Reserve or third party processors.

Safety, Security, Reliability The Clearing House is the gold standard in payment system reliability and security, processing more than $1.5 trillion daily with nearly 100% uptime year after year. This network also follows the highest standards for safety, security and reliability.