Overview:
The e-ValuCheck online paper check payment method offers the perfect payment solution for governmental online or telephone acceptance of payments. These payments include renewal of driver's licenses, DMV fees, fishing / hunting licenses, parking tickets, speeding tickers, tax payments, etc. Substantial time savings will entice people to accept the online payment option when offered. However, the thought of a misplaced payment made online and the required efforts to provide proof of the original payment may deter some from using traditional credit card and ACH bases solutions.

Below is a comparison of the required efforts using three online payment methods.

Payment Method Comparison

Credit Cards - Most online payment sites offer credit card payments. If your governmental payment is made using a credit card, the monthly statement must be provided to show proof of the charge. If the statement is not readily available, a copy must be requested from your credit card company and this request could be accompanied by an additional charge. A copy of your statement would need to be provided to the DMV as proof of payment complete with account number and date of expiration, the credit limit and a month's worth of charge history. This statement is being provided to a government agency for proof of payment with little knowledge of who will see this sensitive information or where it might end up. In today's world of stolen identities providing this information to anyone is uncomfortable.

ACH - Some sites offer an ACH based payment option. For this payment method the consumer receives only a line item of description on his/her bank statement similar to that of an ATM withdrawal. Thus providing proof of payment for this payment option is similar to the process of a credit card charge. A bank statement must be provided to the agency in question. In this scenario the consumer is providing a bank account number, balance information and monthly transaction history to unknown people. With this sensitive personal financial information, an individual could create havoc for a consumer that might take years to unravel.

e-ValuCheck -, e-ValuCheck can quickly and easily be added as a check payment option to an existing site. When an online consumer utilizes the e-ValuCheck payment option, he/she will receive a cancelled check back at month end with the other checks that they wrote in the past 30 days. If their bank does not return cancelled checks, their bank will have check images available. Thus for proof of payment with e-ValuCheck, the consumer simply copies the front and back of the cancelled check. The consumer retains all of their sensitive financial information and provides only the specific payment information required.

Benefits For the Governmental Agency