In its simplest form basic wholesale lock-box is a manual process. Incoming payments are grouped according to lock-box number and contents are extracted from the envelopes. The check payments are copied, encoded and then batched for deposit, deposit tickets are hand written and checks are taken by courier to the client’s bank for deposit into the client’s bank account. Invoices, copies of the original checks, and envelopes are stapled together by transaction and returned to the client via mail delivery along with a hand written report detailing amount paid, customer name, check number and total deposit for the day. It is then the burden of the client organization to input data into their billing system to update account receivables.