eCheck processing converts paper checks into fast electronic check payments that clear over the banking network. Accept online check payments, run check by phone for mail and phone orders, and collect straight from any bank account through one secure eCheck payment gateway, at a fraction of card costs.
Electronic check processing replaces the paper, the trips to the bank and the deposit delays with a few simple digital steps that move money straight from your customer's account to yours.
Your customer enters their routing and account number online, on a payment link or over the phone with check by phone.
Real-time check verification confirms the account is valid and in good standing before the payment is ever submitted.
The eCheck is sent through the ACH network as a secure electronic check, with no paper to handle or scan.
Cleared funds are deposited into your business account, with clear reporting on every paperless check payment.
Online check payments give your customers a familiar way to pay while saving your business money on every transaction. Here is what eCheck processing delivers.
Because eChecks ride the ACH rails instead of the card networks, online check payments cost far less than credit cards, especially on high-ticket sales.
Skip the manual handling, lost checks and bank runs. Paperless checks are captured, verified and submitted entirely online.
Set up recurring electronic check payments for subscriptions, memberships and installment plans that bill automatically every cycle.
Take payments from mail and phone orders by keying a customer's bank details into a secure virtual terminal, no card required.
Real-time check verification screens each account before submission to cut returns and reduce the risk of bad checks.
Offer eChecks alongside cards so customers without a card on hand, or who prefer their bank account, can still check out.
From recurring billers to high-ticket sellers, these businesses use electronic check processing every day to collect online check payments affordably.
See how electronic check processing compares to collecting and depositing traditional paper checks by hand.
| Feature | eCheck Processing | Paper Check |
|---|---|---|
| How it is collected | Online or by phone | In person or by mail |
| Manual handling | None, fully paperless | Sort, endorse and deposit |
| Deposit trips | No bank runs | Trip to the bank each time |
| Account verification | Real-time check verification | None until it clears |
| Recurring billing | Automatic and scheduled | Re-collected by hand |
| Record keeping | Digital reporting | Manual logs and copies |
Every eCheck is screened before it is submitted, so you collect online check payments with confidence. Bank-grade encryption and real-time check verification work together to keep your paperless checks safe and your returns low.
From the eCheck payment gateway to settlement, your customers' bank details are protected at every step.
Electronic check processing pairs the familiarity of a check with the speed, security and savings of digital payments.
eCheck processing turns a paper check into a secure electronic check that clears over the ACH banking network. Instead of handling a physical check, you collect a customer's routing and account number online or by phone and submit the payment digitally, so funds move from their bank account to yours without any paper.
An eCheck pulls funds directly from a customer's bank account through the ACH rails, while a card payment runs over the card networks. Because of that, electronic check processing usually costs less per transaction than cards, which makes it a strong option for high-ticket sales, recurring billing and customers who prefer not to use a card.
Yes. You can collect eChecks through your website, a hosted payment link, recurring billing or a virtual terminal. The virtual terminal lets you key in a customer's bank details for check by phone, so mail order and phone order businesses can take paperless check payments without a card.
Before an eCheck is submitted, real-time check verification confirms the account and routing details and screens against negative databases of known bad accounts. This helps reduce returned items and gives you more confidence in every paperless check you accept.
They are closely related. An eCheck is an electronic version of a check that is processed through the ACH network, so an ACH eCheck and a standard ACH debit move money the same way. The term eCheck simply describes collecting that payment in place of a paper check, often with check verification added at the point of sale.
Most eCheck merchant accounts are approved within 24 to 48 hours. Once your account is live, you can connect your eCheck payment gateway, enable online check payments, set up recurring billing and start accepting paperless checks right away.
Apply in minutes and our team will set you up with secure eCheck processing, check verification and an eCheck payment gateway built for your business, with no obligation.