Abstract: A double post card system facilitates the authorization of payment of a service fee for a returned check. A communication with a detachable, pre-printed post card is described. The double post card system is used in conjunction with a semi-automated process for printing a double post card by filling a pre-defined layout with data from a database containing a record pertaining to the returned check.

Abstract: A system and method of making a payment to a payee upon presentation by the payee of a predefined code is described. A code is assigned for a specified payment transaction and is stored in association with the predefined payment amount. A payee requests payment and provides the previously-assigned code. The payor uses the code to look up the amount to be paid and makes payment to the payee. The system and method can incorporate security measures to reduce fraud. The system and method offer particular advantage in the context of the issuance of rebates and refunds.