eCheck or electronic check is nothing but the electronic/digital version of old conventional checks. Yes, you might still be using those paper checks, eCheck is just their evolved form, the same old wine in a new bottle, so to speak.

The threat of fraud is reduced with eChecks. Traditional paper checks are expensive and hard to track if they get lost in transit, while checks can be cancelled at any stage by the sender. With eChecks, these drawbacks are not a problem as withdrawals and payments are made digitally, so no cash is needed to complete the transaction and there is better tracking of funds.

Unlike paper checks, eChecks are safer and more precise way to exchange funds. eChecks contain the same info like routing nos, checking A/C no, the amount payable, person/company made out to, etc.

The first thing to understand is the different fields or components in an eCheck. You need to know that, like a traditional paper check, an eCheck will have a line of information at the top of the check: Date and Payee. The date could be in any format and you should check with your bank to see what they prefer, as well as if they have specific requirements on how long after you deposit the check that it will take for them to clear.


  • Bank name and address
  • Name of the payer with address
  • Date when the eCheck is made out
  • The number of funds to be transferred
  • 9 digits routing number
  • Bank account number of the payee
  • Check number
  • Transit code for the eCheck

eChecks is the most convenient way to pay a bill. eChecks are processed over the ACH (Automated Clearing House) network. The whole process consists of 4 steps: authorization, payment set-up, finalization/submission of the request, and finally confirmation of payment (funds deposition). Let’s now discuss each of these steps in a bit more detailed manner as to what actually happens from the point you make out to an eCheck to the point when funds are received at the recipient’s end.


1. Setting up payment

This step means entering your information into the eCheck payment processing software. Sometimes this information is automatically picked up by the software via the online form (it must be entered manually in case of authorization by email or phone call). If you are paying on a recurring basis, you can designate that while filling out this information


2. Submission of request

The next step in the eCheck processing is to enter all of your bank account information and other personal details. This is necessary to enable the ACH payment transaction process. If the information entered is final and correct, the merchant hits the send/submit button and your eCheck goes into floating period. This marks the start of your ACH payment transaction process.


3. Confirmation of payment

Once the payment or eCheck transaction is cleared by the ACH network, the funds are directly withdrawn (debited) from the payer’s account and deposited (credited) into the payee’s account.

eChecks are similar to a paper check, but they're processed electronically. This means businesses that indulge in regular transactions can use eChecks for sending/receiving payments on the internet.

No, these are electronic checks and do not require the use of any physical check or paper for that matter. Your bank will credit your account with the funds upon receipt of these items. If you have questions about any item please contact the issuing agency directly.

We use the eCheck service to collect your payment. It should take from a few minutes up to 2-3 business days for this payment method to be processed and appear in your account

Consumer checking accounts, corporate checking accounts and savings accounts can be used to credit or debit eCheck transactions.

Yes, you can make one time payments with eCheck services. A maximum of 24-48 hours is required to process eCheck payments.

Yes, you can opt for recurring payments with eCheck services. eChecks are the preferred way to make recurring payments. If you would like to set up recurring payments please fill out the form below and we will set this up for you.

Verification of eCheck can be done any time and sales and refunds can also be submitted any time of the day but funds will only be settled on open bank days, i.e. Monday to Friday and on Saturday in some organizations.

eChecks are processed electronically by an eCheck Service Provider and sent out in bulk to the ACH network.

Checking Account consumers can reject eChecks due to a number of reasons like insufficient funds, unfunctional accounts, discrepancies in eCheck-related details, etc.

The ACH network is responsible for processing all kinds of electronic and digital payments. An ACH transfer can be initiated either by a customer or by the company itself. With the ACH, electronic funds can move from one account to another without having to physically remove cash from one place and deposit it in another. A credit card transaction could simply be a debit coming from the banking system electronically, with the bank crediting money into your account later on.

ACH transfers are beneficial in several ways, including low fees and free transactions, automatic execution, and no human interference at any point in the transaction. Once the account from which funds are to originate is acquired, the ACH network gets to work on executing your transaction.

This is going to be a very short and simple explanation. Don't stress yourself out, everything you need to know about eCheck filing is right here. You don't need a pen or a checkbook because it's like writing a paper check. You'll just need a browser and a keyboard. Let's get started!


1. Check your bank account balance

Not to worry, you can always deposit funds before writing an eCheck. That way, your eCheck will not bounce and you have time to complete all of your purchases in time. In case you don't have the required balance in your account when you write an eCheck, 'do not write it as the 'float time is very less and your plans of depositing the funds before the check clears are literally futile here.


2. Fill up the eCheck request form

When you sign up for eCheck services, this is the first step. Pull up your eCheck services and fill up the form online on their website, on an application/software they have provided or complete the authorization via an email or a telephone call. Either way, in this step all you need to do is pass on the accurate info that will go into your eCheck to your eCheck service provider. Enter all the details correctly.


3. Check details and press submit

Please check to make sure all of your information is correct. If you're sure everything's right, click the submit button and you're done! It only takes a few minutes, just like writing out a paper check.

In this multidimensional payment market, where does eCheck fit in? We will tell you exactly when and where you should pull out the eCheck, well not quite literally!


1. Large amount transactions

eChecks are great for small and large transactions. They are cheap as compared to other processors because they charge only a small percentage of the transaction amount


2. Recurring payments

eChecks are your ideal tool for recurring payments like rent and utility bills. Simply cut one single eCheck and mark it for recurring payments. You won't have to make repeated monthly payments.


3. In place of paper checks

Did you know that paper checks can be recycled and reused to make more paper? In order to continue promoting environmental awareness, we are encouraging customers to use eChecks. Not only are they safer, faster, and convenient but they are also paperless and you wouldn’t have to go to the bank too! Why not save trees, go green? Think sustainability, switch to eChecks today.


4. Lack of funds on other payment systems

eChecks are unlike other payment methods which go through if your balance is above the required amount. You get a float time of 3-4 days in which you can arrange funds.


5. When delivery issues are not pressing

eChecks can be an amazing payment option. Since a day or two in delivery won’t hurt, eChecks can be used here to make transactions without worrying about an immediate transfer of funds.


6. To make things easier for the customer

eChecks offer a level of ease and convenience for the customer to make payments. Accepting eChecks means a whole lot more customers who may not be using debit/credit cards or other digital modes of payment.


7. When you pay the fee for the transaction

eCheck payments can be processed directly by the payer or the payee. If you are paying it, then go for eChecks as they save you money.


8. When you want to play it safe

Almost all eCheck service providers do not charge any set-up fee. The best part is that you make up your mind and call up a service provider who will hook you up with the system almost instantly.


9. No devices required

If you’re running a small business, eCheck processing may be the best option for you. It’s an affordable and easy way to process payments with no additional equipment.

eChecks have the upper hand when it comes to safety, ease and transaction fees. Well, what more could a business ask from a payment method? Find out:


1. SAFER TO USE

Echecks are safe when it comes to processing high-risk payments. They are also less prone to fraud and cyber intrusions. They offer breathing space both to customers and the merchant and keep security risks at a minimum.


2. GREATER ACCURACY

It is safe to use echecks for online transactions. Due to the number of levels through which an electronic check is verified, you can be certain that all required data are accurate and your transaction will proceed without a hitch. In case of any errors or discrepancies in data, they can be canceled immediately.


3. SPEED OF TRANSACTION

Echecks are quick, when merchant payouts are considered. They are also a fast way of transacting international payments which is very beneficial for businesses accepting payments from abroad.


4. LOWER TRANSACTION FEES

Online transactions made via echecks are often cheaper and convenient, especially for business owners. They provide a win-win scenario for both customers and the business owners irrespective of who is paying the transaction fee.


5. USER FRIENDLY

With eChecks, you are free to pay your bills and send payments quickly and easily. Users find themselves at ease when paying through eChecks mostly because they are convenient, secure and very user-friendly modes of payment.


6. ECO-FRIENDLY

Using electronic payments is one of the easiest ways to go green. Not only are you saving trees, but you are working to improve the environment and make our world a better place to live in.


7. LOW RISK

eChecks can be used for large transactions. The fact that they are authenticated at several stages makes these checks safe. You can carry out those high-risk or large-volume transactions via eChecks without worrying about a thing.


8. ZERO SET-UP FEES

eCheck service providers do not charge any set-up fee. You can also download software to your computer and gain access to eChecks instantly.


9. HASSLE FREE

Conventional checks required a lot of lifting and transporting between different areas but that’s not a problem with eChecks. The system is totally digital.

Theft of eChecking account numbers and routing numbers from fake phishing invoices, bank statements or eChecks is a common type of fraud. The Automated Clearing House network that processes eChecks can be compromised by cyber attackers as well. Phishing users into installing malicious software, criminals obtain these details to steal private information and funds.


Detecting & diffusing frauds

The best defence against fraud and phishing is to be aware of our actions. We can’t prevent anyone from trying to steal money, but we have a better chance if we stay alert. Watch out for any suspicious activity and do not get caught in the trap of fraudsters. If there is a transaction or deduction in your account that you didn’t authorize, report it immediately so that such threats can be detected. Monitor and review your accounts every day to become aware of any malpractices. ‘Filter’ and ‘block’ mechanisms to ward off malicious links and block unwanted links must be applied to ensure an added layer of security. An active action by filing a police report must be taken once you discover fraud in your account or in your organization’s transaction process.

Regions eChecks can help you streamline the payment process, deliver insights into customer behavior and reduce costs. You must be curious to know about the different types of fees associated with the eCheck payment system. How much does it cost to get eCheck for your business? Find out here


Setup fee: You only have to pay our minimal set-up fee once. Some of the organizations we work with are also offering free/zero setup features to promote the acceptance of this payment mode.

Monthly fee: This is a monthly fee for availing eCheck services on your business website. The fee can be paid monthly, quarterly or annually

Per transaction fee: Fee for processing the transaction is charged as a percentage of the transaction amount. It is generally quite low, in comparison to the fees charged for debit/credit card processing services.

Chargeback fee: This is the fee charged by the card network for each chargeback (fee for incomplete/canceled or refund transactions).

At times, some businesses are considered high risk in nature, this includes the adult-oriented industry, eCommerce, tech support services industry and a few other notable businesses. Due to their nature, they are called 'high-risk businesses' with no fault of their own and it becomes really tough for these businesses to find a reliable payment processing system. At these times, eCheck comes to rescue these businesses. For this reason, several high-risk merchants prefer eCheck as a payment system for their trade.

Yes, we offer our clients training. Almost everything that aids merchants in running their businesses effectively is included in our training program, from credit card terminal training programs to helping them with credit card terminal reprogramming.

Clients are not required to do batch transactions on their own. Instead, the batch is automatically sent for settlement.

Every card processing business must abide by the Payment Card Industry Data Security Standard (PCI DSS) laws and regulations to maintain the security standard because they handle the processing, storing, or transmitting of client credit card data.

A merchant credit card acquirer is a financial institution that manages all merchant credit card processing relationships and accepts transactions that are then delivered to the linked banks and card members. The financial institution offering credit cards to a person or a business is an issuer.

You must submit an application to move forward with your high ticket amount change. Therefore, you must call our toll-free number to seek the difference in your High Ticket Amount. You can ask customer service for further details.

Oak Trust charges an annual PCI service fee that is mainly used to cover the expenses associated with business operations like


  • Keeping up conformity
  • Software Update for Terminals
  • Replacing non-compliant hardware

You must sign up for the rules and regulations mentioned by the Card Brand under any business or individual operating if you are PCI compliant since this makes it necessary for you to be PCI compliant.

It is necessary for everyone who is processing a card, acquiring information about the cardholder, or keeping such information. Therefore, when you sign up with us, you will be required to affirm that you will comply with PCI Data Security Standard.

Chargebacks refer to the merchant's bank account refunding money previously credited in exchange for goods or services. For example, a cardholder might request a refund if correct card acceptance and authorization processes weren't followed.

If a merchant challenges a transaction, the retailer must return the amount through his deposit. However, if the merchant adheres to the industry standard for documentation and authorization of card processing, chargebacks are said to be a customer satisfaction issue that can be avoided.

Devices with installed NFC chips can safely conduct business with one another in close proximity by exchanging encrypted data as a digital signature.

Even while we place a strong emphasis on 3-year merchant agreements, we also provide month-to-month services.

Within 24 hours, payments are settled in the merchant's bank account for the company that meets the criteria. However, depending on the business's risk, it may take longer than 24 hours for some.

There are two options to connect the terminals-

  • Through a phone
  • Through An Internet Line

The client's preference will determine the final decision. The choice would, however, impact the card processing machine that needs to be bought. For instance, if you choose a landline, you will need to dedicate a landline number solely for making business payments; otherwise, you may have to call on hold, or a busy signal may halt the amount. For smoother and speedier transaction processes, individuals prefer the internet.

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