Merchant Solutions Company

The Bio-Pay System Fingerprint Device The acclaimed BioPay system allows merchants to cash checks using the new biometric technology.  BioPay is recognized as a world pioneer in Biometric technology.  BioPay provides a guarantee program that guarantees 100% of every check (payroll and government checks).  When customers sign up and enter their fingerprints they will go into the BioPay system to be shared by all merchants utilizing the BioPay databaseas all others who cash checks with this system. BioPay is a shared databse of every fingerprint entered in the BioPay check cashing system everywhere in the country. When the customer comes in you start by capturing a picture, a  biometric fingerprint, run his check through the check reader ( The check reader records the routing and account #s, the clerk fills in all Dl and SS #s, addresse and phone #s.  Meanwhile BioPay is searching a the database of shared fingerprints to see if that person has written a bad checks elsewhere.  To enter a new customer takes only 60 seconds.  When the customer comes back in to cash his next check, when you take his fingerprint up comes his entire check cashing history, his picture and the banks the check went through and whether or not they were paid. GROCERY STORE MERCHANTS using BioPay's electronic fingerprint check-cashing system can take advantage of BioPay's no-risk Paycheck SecurePlus Check Guarantee Program. The program enables merchants to eliminate their risk of losses and create a profit center through their check cashing services. Enrollment in Paycheck SecurePlus is easy, and there is no sign-up or application fee.
The program guarantees the face value of all payroll and
government-issued checks.        
Each check must be:
Cashed using the BioPay system
Pre-printed
Less than $800
Less than one month old
All check-cashing customers must be enrolled in the
BioPay system. BioPay saves money and improves efficiency for banks, merchants and grocery stores offering check-cashing services by linking check-cashing activities to a consumer's registered fingerprint. Consumers enjoy the ease of completing transactions with a touch of their finger.  BioPay's system electronically captures a customer's fingerprint, stores a template of the fingerprint image, and then records check-cashing transactions associated with that person. A customer's negative check-cashing information is stored in a central database and shared between all merchants using the BioPay system. Advanced alert mechanisms warn the clerk of a potential bad check before the transaction is completed, enabling the transaction to be declined before it is processed saving the store money it may have otherwise lost.

How It Works
Using BioPay is easy.  On initial check presentment, the customer gives the clerk his/her driver's license or other ID for scanning or entry into BioPay's IndivioSM database. At the same time, the customer's two index fingers are scanned and an electronic photo is taken. The entire process takes less than two minutes, and all information is stored within the BioPay system. A repeat customer need only use their fingerprint to complete future transactions. 

For Bankers and Merchants

Reduces Fraud
Drives Customer Traffic
Increases Customer Service and Loyalty
Reduces Labor Costs and Training For Consumers
Increases Convenience
Protects Privacy and Identity
No Cost Enrollment
Cash-Back Capabilities Merchants using BioPay's Check Authorization Service can reduce losses due to MICR-related fraud and bounced checks. Check Authorization merchants benefit from having access to a national database of electronic fingerprint templates and MICR data. This means the fingerprint can be used to deny transactions from check writers with outstanding checks at all merchants using the BioPay system, regardless of whether a new ID is presented or if the check account number has changed.

How It Works
When a check is presented to the clerk, the customer's fingerprint image and the check's MICR information are compared to a database of negative check data. A clerk is alerted of a potential bad check before the transaction is completed, enabling the transaction to be declined before it is processed saving the store money it may have otherwise lost.