Expand payment options with eCheck
Let customers pay directly from their bank account with a secure, cost-effective option for recurring and high-value transactions.
Unlock the benefits of reliable bank account payments
Discover how eCheck can help improve payment experiences and support business growth.
Enable flexible, secure payment experiences with eCheck features
Explore the core capabilities that help eCheck support simpler, more flexible payment acceptance.
How eCheck works
See how eCheck supports a more flexible bill pay strategy by giving customers another convenient way to pay directly from their bank account.
The customer provides their bank account information and authorizes the merchant to debit or credit their account for a one-time, autopay or recurring payment.
Payment details are securely submitted, formatted and routed through the Automated Clearing House (ACH) network so the appropriate financial institutions can process the debit or credit instruction.
After the required funds hold and settlement process, proceeds are deposited to the merchant through a separate ACH transaction.
Let’s talk eCheck payments
Reach out to our team to learn how eCheck can help you offer your customers more payment options.
Frequently asked questions about eCheck
Learn more about eCheck and ACH payments by finding the answers to commonly asked questions here.
Is an eCheck the same as an ACH payment?
Yes, eCheck is a type of ACH payment that is processed through the ACH network.
How long does eCheck processing take?
Customer transactions are settled the following day. Merchants will receive their funds based on the timeline determined during underwriting.
Can eCheck payment be used for recurring payments?
Yes. eCheck payment can be used for recurring payments when the customer authorizes repeat withdrawals from their bank account.
How do the costs of accepting eCheck compare to with credit card costs?
Costs differ by provider. eCheck fees are capped at 0.75%, while card fees can range from 2% to 4%.
Learn more about other acceptance solutions that easily integrate with eCheck to power better payments.