EFD Scan OnlineSM 
EFD SCAN OnLineSM is a robust check authorization solution that enables you to use state-of-the-art analytics and data to authorize checks at the POS and manage risk to meet your business goals. With EFD SCAN OnLineSM, you can design sophisticated risk management strategies to meet changing business goals. EFD SCAN OnLineSM is an online, real-time solution that supports electronic switching of POS check transactions for decisioning and authorization.
EFD SCAN OnLineSM is supported by our analytics team, which regularly monitors the effectiveness of the variables used to make a check acceptance decision and recommends changes that will improve performance in line with your goals. This eliminates the need for you to staff internally for this role plus it provides you with expertise that would be difficult to otherwise hire and maintain.
You have the option to switch out all of your checks or identify a subset of transactions and switch out only those transactions to EFD SCAN OnLineSM. Once a transaction is received, EFD SCAN OnLineSM performs a series of actions that result in one of three broad responses: Accept, Decline or Refer to Manager. The average response time for EFD SCAN OnLineSM authorizations is less than one second.