Which type of checks are ineligible for back-office conversion?

Back-office conversion (BOC) allows checks to be electronically processed after they are collected from the consumer, but certain checks are considered ineligible for this process to mitigate risk and ensure compliance with regulations. Checks with values over $25,000 are not eligible for BOC primarily due to the higher risk associated with large transactions, including potential fraud and disputes.

Regulations generally impose limits on the amount of checks that can be converted, with BOC typically serving smaller, everyday transactions. This limitation helps protect the interests of all parties involved in the transaction — both the merchant and the consumer.

In the context of the other choices, checks of any amount (option A) would not specify a limit indicating ineligibility, while checks that are older than 180 days (option C) can be eligible for BOC until they reach that age limit. Checks issued from non-business accounts (option D) mainly relate to the type of account rather than the check amount and could still qualify for conversion depending on other factors. Thus, those options do not reflect the specific ineligibility criteria related to check amounts outlined in the correct option.