L J Ross Associates accepts online payments through our secure online server. Payments can be posted within minutes, at any time of the day, using either a check or credit card.
>> make a payment today
Now you can submit a delinquent account within minutes using our online account placement. This means that we can begin to collect your debts right away, and we won't stop or charge you until we have successfully collected.
>> submit an online account
Our forms are now available online. You can download them and fill out the required information when it is most convenient to you, helping you to save time by making this process convenient to you.
>> download forms
Retail Collections
L J Ross Associates are the experts in retail collections. We have outstanding check recovery and verification programs, a highly efficient electronic check conversion program, check re-presentment, consolidated return check service and an entire department devoted to retail collections.
Check Recovery
We have the capabilities to accept several different forms of payment that include Visa, Master Card and Western Union. We also accept payments through Check by Phone, which is a program designed to accept check payments over the phone. Through our check recovery program, we offer a 100% reimbursement on all recovered checks returned by your bank unpaid.
We can provide your business with reports that cover all areas of the collection process as well as provide debtors with proof of their debt by sending them a copy of the returned check. Also, we have the ability to consolidate your returned checks into one bank, even if your company has many depository banks.
Check Verification
We employ the use of check verification programs, such as the National Check Network. These programs record information when a check is returned. We can link this to your system, which means you will know within seconds if someone who has an outstanding returned check in the system attempts to write a check to your business. This quickly and efficiently eliminates a high percentage of bad checks at the point of sale. The programs that we use are available 24 hours a day, 365 days a year.
Electronic Check Conversion
With electronic check conversion, we can convert paper checks to electronic items at the point of sale. They are then put through the same system that you use to authorize credit and debit cards. With faster access to your funds, minimizing your risk and reducing costs, check conversion is a great tool to automate your check acceptance policy and significantly lower your costs and improve your cash flow.
100% Check Guarantee
A qualified check is one that has all blanks filled in and a corresponding driver's license number written on it at the point of sale. We guarantee 100% of the face value of all qualified checks, regardless of whether we collect or not. We give you the option of selecting an annual flat rate or a percentage of the face value of the check. This allows your claims to be satisfied quickly and simplifies your accounting procedures.
Check Re-presentment
Check representment is an automated, consumer friendly, electronic process to collect returned checks. The check acceptance at the point of sale is virtually the same. You're not bothered with collection issues, instead, your bank mails us all your returned checks. We re-present them through the Automated Clearing House, and you are paid 100% of the face amount of the check upon collection.
Credit/Debit Processing
Our credit and debit card solutions provide you with over three decades of experience in evaluating and placing the most reliable and affordable credit card service in the industry. We can provide you with access to every credit and debit card association, including Visa, MasterCard, American Express, Discover, JCB, Stay, NYCE, PULSE and many more. Our team is dedicated to your conversion and ongoing support. We assign a relationship manager to your account who is highly-trained and skilled at credit/debit processing to ensure that your company receives the attention and support you deserve.
Gift Cards
A gift or stored value card program is the fastest way to increase your sales. On average, gift cards provide a 20% to 100% boost in revenue over traditional paper-based solutions while providing additional safety and security to your store. At L J Ross Associates, all of our programs include your logo or design. Cards can be activated at the point of sale.
Terminal Equipment Reseller
At L J Ross Associates, we offer companies state–of–the–art debt collection equipment through our equipment reseller program. This includes the VeriFone Tranz terminals and the VeriFone Omni 3750 terminals from VeriFone, Inc., a global leader in secure electronic payment technologies. We also offer Magtek Mini Check Readers, Ingenico Check Terminals – IVI 3000 and the RDM Imager for check conversion.
Recurring Payment Manager
We offer a recurring payment manager for future payments. This program enables you to set up recurring payments and one–time future payments to be automatically charged to a customer by a credit card or electronic check. You can save money on processing invoices, postage, envelopes and the cost of labor to perform all of these tasks. Also, your customer won't have to worry about paying the bill on time, writing checks or paying late fees. The recurring payment manager is a flexible service that can handle almost any type of billing process and any number of customers.
