Posted by NationalACH on Jan 16, 2013
echecks, electronic checks, accept checks online,

How do you get orders from 29% of Americans that do not have cards? Echecks provide another way for the buyers to purchase from you.

Accept Checks Online

More than 97% of Americans have bank accounts and can pay you with an echeck.  Electronic checks give you the ability to capture sales from customers that do not have cards, are maxed out on cards, or prefer to pay with a direct debit from a bank account.

Echecks are integrated to your website via an application program interface (API).  At checkout, customers enter their bank routing and account numbers.  The transaction clears the Federal Reserve at midnight.  Funds are then deposited directly into your business bank account.

You can also accept check by phone, mail and fax orders with a virtual terminal.   Predefined security levels let you create an unlimited number of users with specific levels of access and control.

Echeck for Recurring Payments

Electronic checks are more effective than cards in protecting cash flow from recurring payments.

Bank accounts seldom change. Since most Americans have payroll direct deposit and pay monthly bills from a bank account, changing banks is simply too much of a hassle.

Therefore, recurring billing data rarely has to be updated.  Revnenue from recurring payments continue uninterrupted month after month.

Compare this to card payments.  Each year 20% of cards are reissued.  Each time a card is reissued card data has to be updated for the recurring billing transaction to be approved.  

Updating card payment data is labor intensive.  And gives customers an unnecessary opportunity to cancel.  

Echecks Lower Risk Than Card Payments

It's easy for buyers to chargeback a card transaction.  All they need to do is call their issuing bank to dispute the charge.  And disputes can occur up to 180 days after the payment was made.

Electronic check transactions are much harder to chargeback.  Customers have to dispute the charge with the bank. Banks often require customers to provide documentation.  And may also require customers to sign an affidavit.

In addition, echecks have a shorter period for chargebacks.  Customers have less than 60 days to revoke a transaction, much shorter than with a card transaction.  


Electronic checks are the most popular alternative payment method for US internet shoppers.  Millions of Americans are comfortable purchasing goods and services online with echecks.

The more ways shoppers can buy from you, the more orders you will receive. Accept electronic checks on your checkout page. And watch your sales grow.  

Are you interested in increasing sales up to 29% with an echeck account?

Contact now.