Accept digital checks for ecommerce — low effective rates, fast verification, and a paper trail that holds up in dispute resolution.
What is an eCheck and how does it differ from ACH?
An eCheck is the digital equivalent of writing a paper check — same routing and account number, same NACHA rails as ACH, but with check-image capture and verification layered on top. Customers who do not have credit cards (or who prefer to pay from checking) convert at higher rates when eCheck is offered.
When should an ecommerce store accept eChecks?
B2B ecommerce, high-ticket DTC, and verticals where customers skew older or prefer bank-account payment. Offering eCheck on a $1,500 order can cut your processing cost from $44 to under $5.
How are eCheck returns handled?
NSF (non-sufficient funds) returns are the most common — typically charged at $1–5 per return. We pair every eCheck MID with verification (Early Warning, GIACT) so NSF rates stay under 1.5%.
What about fraud screening?
eCheck fraud rules differ from card fraud — we run device fingerprinting plus account-ownership verification on every transaction. See fraud prevention tooling.
Frequently asked questions
How fast can you get approved?
Most ecommerce merchants are approved within 24 hours of complete application submission. Files with chargeback history or international processing may take 48–72 hours while underwriting reviews trailing statements.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per transaction with no setup fee and no monthly minimum. You see interchange cost, assessments, and our markup on a single itemized statement.
What if I've been terminated by another processor?
We work with merchants who've been dropped by Stripe, Square, and PayPal. Bring documentation of the termination plus 3–6 months of processing statements and we'll review your file.