The technology that reads and recognizes the handwritten or typed legal (written) amount on checks Lockbox - A collection and processing service provided to clients by third-party providers, such as ACH Direct These providers collect business-to-corporate (B2C) payments from a dedicated postal box to which clients have directed customers to send payment (See Remittance Processing ) The payment stream is typically low dollar and high volume, with a high incidence of OCR scanable coupons and bar-coded return envelopes