• Electracash's User Authentication Service confirms the identity of an eCheck user, reducing online merchants' risk of buyers using a stolen account number.
• Electracash's Age Verification Service helps prevent underage buying on the Internet by confirming the age of an eCheck user. This service protects minors from age-restricted content and merchandise while protecting businesses from potential liability.

The main purpose of age verification and user authentication services is to provide a means of confirming an individual user or an individual user's age over the web. Electracash employs basic personal data such as the customer's name, address, phone number, date of birth (DOB) and the last 4 digits of the customer's Social Security Number, and ensures they match with the individual's personal data from various public sources. While the results are not guaranteed – it is possible for an individual to know someone else's birth date and Social Security Number – this service functions as a deterrent and is a commercially reasonable means of verifying age or ensuring the identification of a payor.

As detailed in the Electracash Gateway Integration Specifications , the merchant can specify a minimum age for approving transactions, such that transactions that do not meet the minimum requirement are denied. Minimum age is set up for the overall merchant's account; it cannot be specified with each transaction.

• Private and non-intrusive , enacted when a buyer chooses to use their checking account over the Internet to pay bills or make purchases
• Employs common, yet personal data, such as birth date and partial Social Security number data along with other personal information required at online storefronts
• Real-time authentication of user data
• Employed solely for user verification purposes; Electracash protects and never shares this information
• Easy to implement : if the merchant is using Managed Services, Electracash handles everything from the hosting pay page to the delivering the pay outs; if the merchant is using Gateway Services, simple data fields are provided and clearly documented in the API.