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Merchant or Member Capture

Choosing your Remote Deposit Capture Strategy

Merchant and Member Capture are Remote Deposit Capture solutions that can add convenience to both members and your credit union.  The volume of checks to be scanned will dictate whether a credit union will want to offer Merchant or Member Capture.  A credit union may also choose to offer both platforms, as they are two different software offerings and cannot be interchanged.  

Member Capture

  • Intended for a low volume of checks
  • Requires a flat bed scanner
  • Check and ticket are scanned both front and back
  • Lower per-transaction costs
  • Attract new members and keep members who may be moving
  • Capture the new generation of young consumers
  • Leverage your image technology investment
Merchant Capture  
  • Works with higher speed scanners
  • Quickly and accurately processes high volumes of checks
  •  Increases credit union's business marketing reach beyond branch locations
  • Improved funds availability for the member
  • Improved productivity for business member's staff
  • Reduces errors and improves efficiency
For more information on choosing a Remote Deposit Capture Strategy that is right for your credit union, please contact Jean DeStefano at 413-527-9688 or jdestefano@synergentcorp.com.


Synergent Helps Credit Unions Find the Right Fit 
 
"A credit union can offer Member Capture to both members and merchants with low volume checks, but if they have merchants that have larger volume of checks and require the faster scanner they would want to offer Merchant Capture. Both of these services are part of the overall Remote Deposit Capture Strategy and both will require credit unions to have operational and risk procedures in place." 
 
Jean DeStefano
Account Executive
Synergent Payment Systems Products & Services



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