Lee Falls, Electracash CEO, said: "Paradata Systems has been a
reseller of our eCheck services for some time, and has now taken the
relationship to new heights. Electracash products give merchants of all sizes
flexible and reliable payments solutions .

terminals account

electracash.
To enhance their existing electronic payment offerings within its
cash management suite of services, Bank of the West will be utilizing
ACH Direct services to expand its product line , which will now include
multiple payment billing, check conversion, remote deposit and
verification applications.

cash payment

(www.
(www.

About Paradata

Paradata Systems, Inc.

reliable accepting

----Today,
Electracash , Inc.

payments reliable

com), a leading provider of
Internet check processing services, announced they have aligned with
Internet payment service provider and gateway Paradata Systems, Inc.C.

accepting account

paradata. They are extremely responsive to our unique needs. Card-present, card-not-present
products, and gateway services enable merchants to securely process
credit card and eCheck transactions online with any PC with an
Internet connection, or easily integrate payments into a website to
facilitate e-commerce.

ABOUT BANK OF THE WEST

Bank of the West offers retail, small business and corporate
financial services throughout the western United States.

accounts reliable

Positioned as one of the top 50 ACH originating institutions in
the country, Bank of the West continues to grow in cash management and
the payments industry by delivering innovative products.7 billion in ACH
transactions processed in 2004.

deposit accounts

We are focused on developing new
partnerships in order to serve our own merchants better, and we are
honored to refer our eCheck merchants to Paradata for their credit
card processing needs. + CATHEDRAL CITY , Calif.1 billion
headquartered in Honolulu, with an administrative headquarters in San
Francisco .

asrock carts

electracash.com

About Electracash

Electracash, Inc.

accepting accounts

Where checks are processed in a back-office environment, the check
conversion application will allow customers to convert paper checks to
electronic transactions, increasing collection speed and reducing many
of the costs associated with electronic payments processing.

accounts choosing

pos accepting

Business Editors

SIGNAL HILL, Calif.

chargeback accepting

Electracash's eCheck processing services have been
integrated into Paradata's virtual terminal to further enhance its
payment processing capabilities.
BillDirect enables merchants to schedule single or a series of
recurring transactions with a few simple keystrokes.

facilitate fortnightly

com). There is no doubt this union will be mutually
beneficial," said John M. Bank of the West operates 480 banking locations with a
presence in 16 states from California to Wisconsin.

deposit avoid

"
Added Byrne: "We decided to partner with Electracash because they
have demonstrated commitment to their partnerships, providing flexible
customer support, generous revenue sharing, and stable merchant
services."
Electracash processed nearly two million eCheck transactions in
2004, and has grown at an average rate of 60% per year for the past
three years.
The verification product utilizes both local and nationwide
databases to validate accounts, identify negative check writers and in
some cases may verify funds prior to sending transactions into the ACH
network, therefore reducing risk for both customers and the bank ."
"ACH Direct is a good fit for us, as they have been a longtime
customer of Bank of the West , and proven themselves to deliver
state-of-the-art products with the high quality of service we require
from a vendor.

Review advice and guides for selecting and establishing a merchant account, and directories of credit card processing companies.

asrock debit

For more information on how your business can take
advantage of valuable eCheck and direct deposit services, visit
www. Founded in 1995 and headquartered in
Whistler , B.

fortnightly cash

Curtis, Bank of the West vice president and
senior product manager for electronic payment solutions .

carts chargeback

Having
fully integrated Electracash eChecks into our virtual terminal
provides our merchants with a seamless option to process both credit
cards and eChecks directly through one convenient Internet payment
tool," said Shannon Byrne, president and CEO of Paradata. "By combining Bank of the West 's core services
with ACH Direct's offerings, Bank of the West will be positioned to
better serve their existing customers and will have a very powerful
competitive edge that will allow them to significantly increase their
customer base and market share.1 billion, Bank of the West is a subsidiary of BancWest Corp.

ABOUT ACH Direct

ACH Direct is one of the largest privately held electronic funds
processors in the United States with over $2.

debit accounts

, Paradata has applied its award-winning expertise in
security technology, software development, transaction processing, and
world-class service and support to meet the payment needs of any North
American Internet-enabled business.

Business Editors/Banking Writers

WALNUT CREEK, Calif. There are also re-presentment
options, which can be configured to re-attempt or even use a secondary
payment method to collect items that are returned unpaid.

accounts account

establishing posting

"There continues to be strong market demand for eChecks.--(BUSINESS
WIRE)--Bank of the West has signed an agreement with
ACH Direct to bring increased payments solutions to customers of the
California-based bank. With assets
of $40. ACH Direct has been providing
payment-processing solutions to a wide mix of clientele since 1998 and
continues to develop ways to help clients who face an increasingly
complex and competitive business environment.

debit asrock

is a leading provider of Internet payment
processing services, offering businesses the ability to accept eChecks
and make Direct Deposits in the US and Canada, and to initiate wire
transfers around the globe, for both business and consumer
transactions.

Bank of the West and ACH Direct Collaborate to Increase Payment Solutions to Cash Management Customers

reliable payments

It also supports
the processing of credit card, debit card and electronic check
(ACH/ATM) transactions, which can be processed in real time or
scheduled to occur on future dates.

bankcard dangers

A state-of-the-art billing application will be based on ACH
Direct's Virtual Terminal product , the most advanced Web-based
platform for processing electronic payments available today.,
a bank holding company with total assets of $50.

carts merchant

Electracash eChecks Selected by Paradata Systems

com, or contact them directly toll-free at
888-310-7312 or email sales@electracash. is the leading North American Innovative
Internet Payment Service.
"We're very excited to work with Bank of the West to expand and
extend their product offerings," said Jeff Thorness, chief executive
officer of ACH Direct.