Processing Checks

Check scanning allows distributor admins and employees to process physical checks directly from the Pepper admin portal (PMC). Once a check is scanned, it can be matched to a customer, applied to open invoices, and submitted without leaving the platform.

Processed checks are deposited into the distributor's bank account the next business day (T+1). Pepper also automatically recognizes checks that have been processed before, saving time on repeat customers.

Check scanning requires a compatible check scanner device. Distributors are responsible for sourcing their own scanner; Pepper does not provide or sell scanners. Not all models are compatible with the platform, so it's worth confirming before purchasing.

To check whether an existing scanner is supported, or to get guidance on which models to purchase, contact a Pepper representative. They can confirm compatibility and recommend suitable options.

Check scanning is available from the 'Process Checks' section of the left-hand panel in your payments admin portal.

Once in the check scanning area, any scans submitted via the connected scanner will appear as a list. Each scan shows the number of checks it contains.

Click on a scan to open it. A list of individual checks within that scan will appear. Work through them one at a time; each check needs to be matched to a customer and applied to one or more invoices before it can be submitted.

For each check, select the customer it belongs to. The first time a check from a given source is processed, the customer match is made manually. After that, Pepper recognizes the check and automatically suggests the same customer match. The admin confirms and moves on.

Once a customer is matched, their open invoices will appear. Pepper automatically applies the check amount to the first invoice. If the check covers that invoice in full, any remaining amount carries over to the next invoice in the list.

Additional actions are also available at this stage: add a new charge, create a credit, or write a note. These are the same options available during a standard payment.

When processing is complete for a check, click Save and Process. This submits that check and advances to the next one in the scan. Repeat until all checks in the scan have been processed.

Checks processed through Pepper settle to the distributor's bank account the next business day (T+1). This will be reflected in the regular Pepper settlement report.

Check deposits appear as separate line items in the bank statement; they are processed through a different payment channel than credit card and ACH payments, which are batched into a single deposit. This is expected behavior and does not indicate a problem.

Digital Check:

Epson:

Panini:

Canon:

MagTek:

Digital Check:

Panini:

RDM: