LML Payment Systems is a financial payment processor specializing in providing end-to-end check processing solutions. Its service includes Electronic Check Conversion (whereby paper checks are converted into electronic transactions at the point-of-purchase), electronic check re-presentment (whereby returned paper checks are re-presented for payment electronically), electronic check verification and check collection to supermarkets, grocery stores, multilane retailers, convenience stores and other national, regional and local retailers. LML also provides selective routing that includes real-time monitoring of debit, credit and EBT transactions for authorization and settlement through its operating subsidiary and flagship transaction processing product REPS (Retail Electronic Payment System). LML s electronic check verification and check collection services are used nationally or regionally by retailers that include Kroger, Dillons, Coastal Mart, Applebee s, Pizza Hut, Blockbuster Video and other well-known brands.