Posted by NationalACH on Jun 02, 2016
eChecks for Online Merchants

Accept Checks Online

Want an easy way to increase sales 8-20%?  While saving money on payment processing costs? Simply add echecks  as a payment option to your checkout page.

Get More Orders

Electronic checks give customers another way to buy from you. Obviously, the more ways customers have to pay you, the more sales you will make.

The Federal Reserve reports than 27% of Americans do not have credit cards. Yet more than 90% of US households have bank accounts and can make purchases with electronic checks.

Moreover, many Americans with cards are either near or at their limits. When a card sale is denied, offer the buyer the opportunity to pay with an electronic check instead. You’ll be amazed at the number of sales you’ll capture that otherwise would be lost.

Reduced Risk for You

Credit card transactions have a higher risk of contingent liabilities for merchants than do electronic check transactions.

Buyers can chargeback a credit card transaction for up 180 days after a purchase is made. Yet, with echecks, a consumer has only 60 days to revoke a transaction. And for business-to-business transactions, the buyer has only 3 days to revoke a transaction.

It’s also more difficult to revoke an electronic check transaction than a credit card transaction. For card payments, customers are able to call their card issuing bank to initiate a chargeback. The issuing bank usually takes the side of the consumer against the merchant.

However, to revoke a check transaction, a consumer often has to swear out an affidavit to chargeback a transaction, a more challenging and time consuming process.

Competitive Advantage

Online shoppers have virtually unlimited sites from which to buy goods and services. After all the time and effort you spend trying to get buyers to visit your site, it is a shame to loss a sale because you don’t accept echecks.  

With a fast click of a mouse, you can lose a sale to your competitors who offer echecks as a payment option if you don’t.


Alternative payment options such as electronic checks are among the fastest growing sources of increased revenues for internet merchants.

Shoppers trust electronic check payments.  Millions of Americans regularly pay for goods and services with echecks. If you don't accept electronic checks, you lose sales to your competitors who do.  

Add electronic checks to your checkout page.  Get more sales from customers who don't have cards or are maxed out on cards.  Or simply prefer to pay you with an electronic check.

Interested in increasing sales with echeck payments?  

Contact info@nationalach today.