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For every payment collection scenario—from taking checks and credit cards at retail point of sale to managing incoming payments—KeyBank offers technology and experts you can trust. We can help you optimize your collection processes and maximize business checking account balances with a variety of integrated solutions.

Learn more about our receivable solutions to streamline payment collection and improve cash flow utilizing KeyBank's state-of-the-art processing. Automate paper-check collection through online services or from your place of business. Your relationship manager will explore the best combination of collection solutions to help you access funds quickly, connect accounting processes to your existing systems, and deter fraud, as well as with collecting payments. Start the business cash management conversation today by contacting a banker.

Cash Management of Your Business

Electronic Payments & Invoices (ACH)

For many businesses, collecting payments electronically from customers is a necessary part of payments strategy. With our Automated Clearing House (ACH) payment service, you can receive payments directly from your customers' bank accounts.

KeyBank's ACH service is faster and more reliable than mailing or receiving checks, and can help your business streamline payroll, direct deposits, loan payments and other funds transfers. And, instant confirmation reports mean you can reconcile your accounts promptly.

ACH Details

Use our nationwide ACH service to:

  • Receive payments from customers, employees and other businesses
  • Make disbursements to payroll or operating accounts
  • Eliminate paper checks and associated delays and costs

Learn how ACH can help reduce your fraud risk Identifying and mitigating exposure to fraud.

To Apply:

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Key Capture

Imagine never needing to make another deposit run. Key Capture® is our online remote deposit capture system, and it can help eliminate time consuming trips to the bank, improving employee productivity while increasing potential for interest income. With one of the latest same day deposit cut-off times (11:00 pm Eastern), Key Capture empowers businesses to deposit checks from virtually any location, at any time.

To use Key Capture, all you need is a check scanner and an Internet-enabled computer. With a more efficient deposit process, your business can expedite deposits, reduce float, and simplify your banking strategy all from the comfort of your office.

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E-Bill & Collect

Businesses benefit when it’s easy for customers to pay them. Our integrated suite of Electronic Bill Presentment and Payment (EBPP) services, E-Bill & Collect, was designed to enable businesses to collect recurring bill payments from consumers and businesses through multiple channels (online, telephone, auto-pay).

E-Bill & Collect can be integrated with your website, accounting system and customer service telephone system. This integration includes the ability to brand the system with your logo and to accommodate multiple forms of payment including e-Check (ACH); Credit Card (VI, MC, DI, AX); and Debit Card (VI, MC).

For telephone payments, E-Bill & Collect can include an interactive voice response (IVR) for automated acceptance and a Customer Service Representative (CSR) portal that allows your employees to create payments based on telephone interactions with your customers.

Lockbox Solutions

Keeping receivables information at your fingertips is essential to achieving a strong working capital position.

Managing the receipt and timeliness of your payments is our core competency and provides you with the vital information you need to make business decisions quickly and accurately. Lockbox Solutions at Key provide an end-to-end receivables process designed to expedite the conversion of your receipts into working cash. Improving the speed of collection and posting will help you reduce your average days of sales outstanding and the cost of processing paper checks. Meanwhile, our robust information delivery channels provide you with up-to-date details keeping you well informed.

To get started, one of our experienced relationship managers will work with you to establish the best way to leverage the lockbox functions for your business. Together, we will create a lockbox solution that is customized for your clients and professional staff needs, designed to drive business performance.

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Key Image Cash Letter

In businesses that process a high volume of checks, check processing can contribute meaningfully to profitability by maximizing liquidity and income. By accessing the collected funds sooner, there is more time to earn interest income.

If your business requires a high volume of check processing, Key Image Cash Letter can help you to:

  • Meet earlier deposit deadlines (improved funds availability)
  • Reduce transportation costs
  • Take advantage of extended deposit windows
  • Consolidate banking relationships and reduce fees
  • Leverage online access to a complete record of deposit activity
  • Accommodate domestic consumer and business checks

Key Image Cash Letter was designed for professional remittance processors using high-speed check scanning and transmission equipment. Our system uses your Image Check Letter (ICL) to make a deposit. In this way, your organization can meet earlier deposit deadlines, view deposit activity online and transmit checks from any U.S. bank.

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Cash Processing

Vaults and branches are a symbol of the trust between a bank and its customers; our cash processing services are designed accordingly to provide you with full confidence in the management of your business’ cash and checks. For retailers and other cash-intensive businesses, we specialize in receiving and processing cash securely and efficiently, providing dual and triple verification procedures, random cash and teller audits, re-verification of large bills, and nightly drop box acceptance.

Our cash vault is highly automated to ensure efficient operation and to eliminate errors. Key also provides automated voice order for coin and currency at selected sites, to support operational efficiency for your cash needs.

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Manage Returned Payments

Returned “non-sufficient funds” checks and other forms of payment are an unfortunate fact of life in high volume businesses. Our returned payments solutions can make managing those situations as efficient as possible, and help to reduce repeat occurrences from the same source.

KeyBank relationship managers will work with you to customize your treasury management solution with the right features to efficiently manage returned payments in the context of your business operations. Features include the identification of returned check makers, next-day notification of returned items online via Key Total Treasury® or fax, and multiple check re-presentment formats including image and “Re-presented Check” (RCK). Our systems also consolidate all of your returned items into one account, for ease of management.

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Contact Us

1 Subject to credit approval. Key Merchant Services Mobile Application can be downloaded at no charge.  A 3.50% interchange rate and $0.15 per transaction for key-entered. Additional fees may apply.

2 Merchant Services Mobile is supported on Apple iPhone™ 3G and higher, Apple iPad® and iPad Mini™, Apple iPod Touch®, and all mobile devices operating on Google Android version 2.2 or higher. iPhone®, iPad® are registered trademarks of Apple, Inc.

3 Funds are available the next business day when combining a Key business checking account with your Key Merchant Services account.

4 You may incur an annual fee for the KeyBank Relationship Rewards program, depending on the type of checking account you open. Point values earned for activities, bonus activities, and for opening, signing up for, or being approved for a relationship banking product are subject to change.

Pricing and terms reflected in this offer are subject to the terms of the merchant application and agreement for processing services that you must complete to accept this offer. Additional fees may apply in certain circumstances, as reflected in the terms and conditions of the merchant application.

KeyBank Merchant Services Mobile is only able to set up single location businesses. Any business that has more than one location would need to be enrolled through the traditional enrollment process.

Only Visa®, Mastercard®, Discover® and PIN debit card types can be set up via KeyBank Merchant Services Mobile, enrollment in American Express or Elavon value-added products including Electronic Gift Card, Electronic Check Service or Dynamic Currency Conversion solutions is not currently supported. Visa® is a registered trademark of Visa International Service Association. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Discover® is a registered trademark of Discover Financial Services.

Currently, KeyBank is only able to provide auto-approvals for customers in a card-present processing environment – in store or mobile. Online and Mail Order businesses may apply online but will never receive an automatic approval. In these cases customers will be contacted to complete the set up process.

Banking products and services are offered by KeyBank National Association. All credit, loan, leasing and Key Merchant Services products subject to credit approval. is a federally registered service mark of KeyCorp. ©2017 KeyCorp. KeyBank is Member FDIC.

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