Differences between Bankcard processing and Virtual check processing:

 

Bankcard processing	Virtual check processing
Payment gateway and Virtual Terminal software is a scalable and easily customizable payment processing solution including credit cards, checks, and recurring billing features.	ACH(Automated Clearing House) Checks provides a payment solution that enables online and traditional merchants to accept and process electronic check payments directly from their Web site's storefront or through the Virtual Terminal.
In the area of bankcard processing, the Gateway supports ecommerce and retail certifications supporting AVS, CVV/CVV2, etc. In addition, several advanced options for managing fraud/risk are available for AVS and CVV.	For virtual check processing, the Gateway supports Prearranged Payment and Deposits (PPD), Cash Concentration or Disbursement (CCD), Accounts Receivable Collection (ARC), Telephone Initiated Entries (TEL), Returned/Dishonored Check (RCK), and Internet (WEB) transaction classes as defined by the National Automated Clearing House Association (NACHA).