Streamlined RCC Processing
With Liftoff Solutions, businesses can easily manage RCC transactions using our intuitive payment gateway:
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Upload single or batch transactions
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Set up recurring payments for automated billing
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Electronic submission to customer banks for faster processing
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Electronic submission to customer banks for faster processing
Unlike paper checks, RCC transactions remain fully electronic—no physical checks are printed. Our system creates an electronic file and an image cash letter for processing, ensuring a fast and efficient payment flow.
Faster Settlements, No Holding Periods
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Next-day settlement available—ensuring quicker access to funds
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No hold times or reserves required, unlike traditional ACH processing
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Businesses can choose to manage their own settlements or let Liftoff Solutions handle clearing and settlement
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The only transaction visible to your bank is the final settled funds
Greater Flexibility Without ACH Limitations
Unlike ACH transactions, which must comply with NACHA’s strict return and chargeback limits:
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RCC transactions are not subject to NACHA’s 0.5% chargeback limit or 15% return cap
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RCCs offer businesses greater flexibility in managing returns and revokes
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When combined with advanced risk management tools, RCC can help reduce return rates, saving time and improving profitability
Improved Transaction Descriptors & Consumer Recognition
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Longer transaction descriptors than ACH, allowing for more detailed payment information
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Transactions appear on bank statements just like paper-check payments, reducing confusion
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If the customer’s bank provides check images, they will see an electronic copy of the RCC, just like a traditional check
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Lower risk of payment disputes & revokes, as customers can easily recognize transactions
RCCs offer even broader acceptance, more than ACH!
While ACH transactions are widely accepted, RCCs offer even broader acceptance, including:
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RCC transactions are not subject to NACHA’s 0.5% chargeback limit or 15% return cap
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RCCs offer businesses greater flexibility in managing returns and revokes
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When combined with advanced risk management tools, RCC can help reduce return rates, saving time and improving profitability
This expanded coverage allows businesses to process payments from a wider range of customers, increasing conversion rates and payment success.
How 
Checks Work
Account Holder Name:
Willie Sutton
Bank Routing Number
xxxxx3443
Bank Account Number
xxxxx342344
Amount
$1,500.00
1
Capture Customer's Bank Information
Check is Verified
Willie Sutton
Pay to the order of:Your Business
$1,500.00
021000021 123456789Willie Sutton
2
Payment is Verified Instantly
NEW DEPOSIT
Your Bank Account
$1,500.00 +
has been deposited to your
account ending
3
Funds are Deposited into Bank Account
