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ACH Financing

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Dec 16, 2000, 5:58:47 PM12/16/00
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Dear Friend:

***PRINT AND READ OFF LINE***


With $10 Billion in e-Commerce sales - Isn't It Time You
Started Making Money On The Internet?

ACH Financing is a leader in the Internet transaction processing
industry. For the merchant who wants to get online fast with a limited start-up
budget, ACH Financing Inc is the best choice.


- 99% merchant approval rate
- Virtual Checks
- Real-time Processing
- Competitive Rates
- Unsurpassed Customer Service 24 hours a day
- All eCommerce Solutions


WORLDWIDE ACCEPTANCE!


How To Accept Credit Cards & Checks On The Internet & Off-line for
only $29.95 per month flat!!

3 Easy Steps To Your Merchant Account

International Telephone Check Electronic
Payment Merchant System


Dear Web Entrepreneur/New Business Owner!


Thank you for responding to our advertisement
"Would You Like to Accept Credit Cards & Check Processing
For only $29.95 per month flat!" Worldwide Acceptance! 30 Day FREE trial!
Guaranteed Funds! No Charge Backs! 24 Hour Funds Availabilty!
(Telephone Check & Credit Card Payment Merchant System)

The enclosed information will give you the information you
need about our Telephone Check & Credit Card Payment
System service. If there are any additional questions you
need to have answered, please feel free to contact us
at our main office and some one will be happy to
assist you. Our office hours are 8:30am to 4:30pm
Monday through Friday eastern standard time.

"IMPORTANT MESSAGE"

As a special bonus to the readers of this colum.....
the first 500 merchants that respond to this offer
within 10 business days will receive a FREE BONUS GIFT
CREDIT CARD MERCHANT ACCOUNT just for trying this system.

"Don't Delay! ACT NOW! Accounts are being filled on a first come
first serve basis. If You've ever thought about making EXTRA GUARANTEED
20,000- $30,000 per month from accepting credit cards & electronic check
payments
in your business Here's your chance to do it!"


CALL NOW!

1-904--786-7082

THANK YOU,

Mr. Raymond Chambers
President
ACH Financing, Inc.

We are a registered financial institution and MEMBER for the following FDIC
insured banks: First National Bank of Central Florida Longwood Fl; Humboldt
Bank, Eureka CA; Redding Bank of Commerce, Redding CA; Tehama Bank. Red
Bluff,CA: Bank of Oakland, Oakland CA: Debit Network Sponsorship: Florida
International Bank, Miami, Fl; Hudson United Bank, Union City, NJ; Bank of
America Westmister CA; Compass Bank, Jacksonville Fl;

Important Notice: Clients outside USA are required to open a $1,000 USA
security deposit bank account with ACH Financing Inc to accept electronic
payments. This requirement has been made a standard practice by the
USA Federal Reserve Banking System.


Announcing the Greatest Payment System Since the Credit
Card!


Attention Businesses... Accept Personal &
Business Electronic Payments Over The
Telephone (or by fax & on-line) for Your
Orders, Payments, Collections &
Donations Worldwide!


Accept e-payment over the phone (or by fax & online)
just like credit cards but without the charge back
problems!


Increase your advertising & sale results by 200 % or more!

Telephone Check E-Payment System prepares the
payments for you and can have them deposited,
electronically into your bank account within 24
hours...all at a low cost fixed flat rate of $29.95
per month!

Don't lose that very important IMPULSE SALE because your customer doesn't
have a credit card or has no credit available to make a purchase!

*Eliminate credit card charge backs that can cause you to lose your credit card
merchant status!

Customer's signature on payment is not necessary.
Only verbal authorization over the phone is required.
Telephone Check E-Payment System will ACH the required signatory
information on each payment.

You can be accepting e-payments over the phone (or by fax & on-line) within
the next few minutes if you ACT NOW. Telephone Check E-Payment System
can fax or e-mail forms to you for your immediate use!


Dear Business Owner,

If you are now taking orders over the phone (or would like to do so), then
please immediatley and carefully READ this brochure about the greatest new
payment system since the credit card. It can dramatically increase your sales,
as well as payments and collections almost immediately, at a lower cost than
any credit card you are now accepting! All businesses are accepted for this
service, reguardless of their credit history!

It's Fast & Simple to Accept Electronic Payments Over The Phone!
Here's How It Works

Your telephone sales people will get your customer's regular sales and
shipping information, and in addition, will ask the customer for his/her name
as it appears on the check, the check number that your customer wants to use,
the amount of purchase or payment, and all the numbers that appear across
the bottom of the check. Those numbers contain the bank routing code,
customer's bank account number and check number. ACH Financing
Inc. will supply you with a complete start up kit for your staff to utilize
their new international system for this purpose, which can be faxed or e-mailed
to their national headquarter 24 hours per day or which can be phoned in
between 9am and 4:30pm & Saturday 9am to 1pm eastern standard time
on any business day.

As soon as ACH FINANCING Inc. receives your customer information
via fax, via e-mail, or by phone, they will immediatley electronically transfer
funds against that customer bank account. They will also GUARANTEE your
customer's electronic payments before they are deposited, so that you can
make immediate shipment without fear of loss. Finally 100% of your funds are
directly deposited into you bank account within 24 hours!

Your Cost ...A low $29.95 Per Month Fixed Flat Rate!

Now, enjoy increased sales, payments, collections & donations at a very
economical cost. ACH Financing Inc rates are only $29.95 per month
fixed flat rate for unlimited usage, reguardless of the payment amount. That
means that if you process as little as $25 a month in sales volume or as much
as $100,000 a year. It will only cost you $29.95 per month Fixed Flat Rate for
unlimited usage of our service and NO PERCENTAGE OF YOUR SALES.
100% of your funds are directly deposited into your bank account within
24 hours! This is less than a credit card order and less than the charges
of any of our competitors that we know of. The one time set up fee is only
$69.95
and you can use the service as much or as little as you choose without any
penalty.

Increase Your Sales, Payments & Collections

There are over 100 million consumers who have checking accounts but do not
have credit cards, and millions of credit card holders with little or no usable
credit currently available on their cards. You can dramatically increase your
sales by tapping into this huge market with your ability to take electronic
payments over the telephone, via fax and via on-line. Don't lose that important
IMPULSE SALE! Your customer is on the phone and the sale is closed...your
customer wants to order...but if your customer has to start thinking about the
purchase, and any negative aspect that may be associated with it, or gets
distracted with other daily affairs, your sale may go down the proverbal drain.

Another senario: your staff is calling for past due payment. No longer will you

have to ask when the payment will be mailed. Just ask your customer to
immediately take out his/her checkbook and get the information right there and
then. You'll save your customer the hassle of getting to a mail box (especially
in bad wheather), or maybe they have small children to watch, or are out of
stamps, or the million and one excuses that inhibit your cash flow. Say "good
bye" to customer excuses and delays. Now you can immediately ascertain
your customer's sincerity and get the electronic payment right over the phone,
fax, or on-line, or take collection action without further delays and
additional collection expenses! ACH Financing Inc can even process a
series of post dated electronic payments for you to conform with any
arrangements that you have made with your customers.

Telephone check electronic payments will be the Greatest Boom to all *Mail
Order, *Internet & E-commerce Businesses, *Home Base Businesses, *New
Businesses,
*Small Businesses, *Service Oriented Businesses, *Telecommuncation Businesses,
Telemarketing businesses and for all of your Automatic Payment Plans with
consumers.

Electronic Payments can automate your receivables, improve your cash flow and
save you time & money.Virtually any business can benefit from electronic
payments.


Copyright 2000 Telephone Check Payment System


Attention - Getting Logos Available For Your Use!

ACH Financing Inc.will supply you with Telephone Check Electronic
Payment System Logos in various sizes, plus other sales material so that you
can let your customer know that you can accept their payment over the phone,
via fax, or by via on-line.
_________________________________________________________________

Simply add authorization wording to all your payment contracts to create and
deposit a electronic payment against your customer account and get a void
check. You'll save the cost of all those reminder letters and calls and keep
your cash flow up to where it is supposed to be. Businesses will love the
ability togive you a electronic payment right over the phone, via fax, or by
via on-line, to place an order as most businesses don't like to order by credit
card. Telephone check electronic payments are also great for fund raising.
Now your telemarketers can collect that pledge immediately over the phone!

*Protect Your Credit Card Merchant Account Status & Avoid COD Returns

As you are aware, Visa credit card chargebacks of 1% can put your credit card
merchant account at risk of termination. And if your business is placed on the
"Merchant Terminated" list maintained by Master Card and Visa, you will not
be able to get another Merchant Account anywhere. In addition, if your credit
card customer does not pay his/her bill, the bank may send you a photo
request for confirmation of the credit card sale. If you do not have the actual
card imprint, a chargeback may be headed your way even though you acted in
good faith and delivered the merchandise. Telephone Check Electronic
Payments Over the phone, via fax, or on-line, eliminates these
problems.

Many mail order firms have 50% or more of their COD shipments returned
unpaid and that's why many of them no longer accept COD orders. Two of the
main reasons for unpaid COD are that the customer has cooled off and the all
important IMPULSE FACTOR has been lost in transit time, or in today's two
worker's households, no one is home to accept the shipment. Telephone
Check Electronic Payment eliminates these problems and will save the
expense of making nonproductive shipments!

*Changing Methods Of Consumer Marketing Will Require Telephone
Check Electronic Payments!

Even if you feel that you can still prosper without accepting electronic
payments over the phone, via fax, or via on-line, you won't be able to in the
near future. Marketing is now under going rapid changes. The telephone
companies are scrambling to get into cable and TV home shopping. Catalog
companies are putting their catalogs on CD - Rom disk for home shopping.
Computer on-line services like Prodigy, America on-line, Compuserve, etc; are
growing by leaps and bounds with on-line shopping. Businesses are racing to
offer their goods and services on the worldwide Internet Telecommunication
System. And keep in mind that all of the above sales made through the above
by credit card will not have the card holder's imprint and are subject to
stolen cards and card numbers.. less than sincere card holders and chargebacks
by banks for not being paid by their cardholders for lack of the merchant
obtaining the actual credit card imprint. Telephone Check Electronic Payments
will be playing a very important role in the new wave of consumer marketing and
you will soon be seeing more and more companies offering this method of
payment.

Your competitors will be using this service, so why lose your competitive edge?

Beat them to the punch by accepting Telephone Check Electronic
Payments now and stay ahead of the pack! It's important to the prosperity of
your business - especially in today's economy.

Get "on-line" Immediately

and start increasing your sales, payment, collections and donations! As soon
as you sign up for the service, ACH Financing Inc. will send you a
Complete Start-Up Kit so you can immediately start using the unique
International Telephone Check Electronic Payment System. You can sign
up now by phone, via fax, or via on-line, and ACH Financing Inc. will
fax/e-mail you a complete start up kit so that you can immediately start
accepting electronic payments via phone, via fax, or via on-line. Remember you
can also phone electronic payments into them. Payments can be electronically
transferred into your bank account within 24 hours if called in, faxed in, or
e-mailed to ACH Financing, Inc. before 2pm daily (eastern standard
time).

To start service, call us now at the number below (on the order form). We can
also accept your business or personal electronic payment over the phone, via
fax, or via on-line. You may also mail the enrollment form with the one-time
$69.95 set up fee.


Any questions?, please feel free to call us now! We will be pleased to answer
any and all questions that you may have about our service. We look forward to
serving your business needs and helping you to increase sales and payments
with our International Telephone Check Electronic Payment System.

-----Telephone Check Payment System Service Order form---

ACH Financing, Inc.
10381 Shelby Creek Road N.
Jacksonville, Florida 32221
Phone: (904) 786-7082 Extension 3
Fax: (904) 786-2961
CHECK-BY-PHONE-AVAILABLE (24Hours)

(x) YES! Please sign us up for Telephone Check Electronic Payment
System service and rush a complete start-up kit so that we can start accepting
personal and business electronic payments for our goods and services. I
understand that your service is subject to the terms and conditions on your
service agreement form which will follow.

Signature_______________________________________________________

( ) I have enclosed the one-time sign up fee of $69.95 US funds

( ) Check ( ) Money Order

( ) Here's my Visa or Master Card Credit Card
number___________________________

Type of Credit Card______Visa_____Master Card

Expiration Date______/_______/_______


Name_________________________________Title_______________________

Business
Name__________________________________________________________

Address__________________________________________________________

City__________________________State_______________Zip______________

Business Phone ( )_________________________

Fax ( )____________________________________

Home Phone ( )_____________________________

( ) Please fax/e-mail some Telephone Check Electronic Payment Fax
Forms so that I can start using the service immediately ( you may photo copy
these forms) Fax to ( )__________________________

( ) Please also fax/e-mail cover sheet to the attention
of_______________________________


****SIGN UP NOW by using the following method: Check-By-Phone 1-904-786-7082
We will answer any questions you have to help you make a quality decision.
For immediate service Sign Up NOW using Check-By-Fax: 1-904-786-2961
and to receive your complete system today.

A DIVISION OF THE FEDERAL RERVE BANKING.

Copyright 2000 all rights reserved

*SPECIAL NOTICE: If You Are Processing More Than $100,000 In Sales A Year
Contact Us Today For Additional Rates! We Can Also Set Up Credit Card
Acceptance For a Flat Rate! CALL NOW!

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