Accept electronic checks and ACH bank payments with Authorize.Net eCheck processing. Lower transaction fees than credit cards, secure bank account verification, and seamless integration with your existing payment gateway.
What is eCheck.Net?
eCheck.Net is Authorize.Net's electronic check processing solution that enables you to accept ACH (Automated Clearing House) bank payments directly from customer checking and savings accounts. Electronic checks offer significantly lower transaction fees than credit cards and are ideal for large transactions, B2B payments, and recurring billing.
eCheck transactions typically cost $0.25-$0.75 per transaction compared to 2-3% for credit cards. This makes electronic checks ideal for large-dollar transactions, significantly reducing your processing costs and improving profit margins.
Payments are transferred directly from customer bank accounts via the ACH network - the same secure system used for direct deposit and bill pay. Funds typically settle in 2-4 business days, providing reliable payment processing.
eCheck.Net uses advanced fraud detection, account verification services, and encryption to protect both you and your customers. Bank account information is validated before processing to reduce returned payments and fraud.
Benefits of eCheck Processing
Electronic check processing offers significant cost savings and expanded payment options for your business.
eCheck fees are typically flat-rate ($0.25-$0.75 per transaction) versus percentage-based credit card fees (2-3%). For a $1,000 transaction, you save $19.50-$29.50 compared to credit cards - savings that add up quickly for high-value or high-volume businesses.
Accept larger payments without hitting credit card limits. eChecks support higher transaction amounts, making them perfect for B2B payments, down payments, large purchases, and professional services invoices where transactions often exceed typical credit card limits.
Some customers prefer paying by bank transfer or don't have credit cards. Offering eCheck expands your payment options to reach customers who exclusively use checking accounts, particularly in B2B markets and among budget-conscious consumers.
eChecks integrate seamlessly with Authorize.Net's ARB (Automated Recurring Billing) for subscription services. Lower fees on recurring charges mean significant monthly savings compared to credit card processing, especially for high-value subscriptions.
eChecks have lower chargeback rates than credit cards. While ACH returns can occur, they're typically limited to incorrect account information rather than disputed charges. Customers who authorize bank transfers generally have stronger purchase intent.
eCheck.Net integrates seamlessly with your existing Authorize.Net gateway. No separate merchant account needed - add eCheck processing to your current setup with simple API modifications. Use the same virtual terminal for both card and check payments.
How eCheck Processing Works
Accepting electronic checks is straightforward with Authorize.Net's secure processing and verification systems.
Customer enters their bank routing number, account number, and account type (checking or savings). This information can be collected through your website, mobile app, virtual terminal, or phone order entry.
Authorize.Net validates the bank account through verification services, checking that routing numbers are valid and accounts are open and able to accept ACH debits. This reduces the risk of returned payments due to closed or invalid accounts.
The eCheck transaction is submitted to the ACH network for processing. You receive immediate authorization confirmation, though actual funds settlement takes 2-4 business days as the ACH network processes the transaction through the banking system.
Funds are withdrawn from the customer's bank account and deposited into your merchant account. Standard ACH processing takes 2-4 business days. You're notified of successful settlement or any returns through the Merchant Interface and email notifications.
If a payment is returned due to insufficient funds or account issues, you're notified immediately. The system provides detailed return codes so you can follow up appropriately with customers or attempt to re-process the payment after the issue is resolved.
Who Should Accept eChecks?
eCheck processing is especially valuable for businesses with large transactions, B2B sales, or recurring payments.
eCheck Technical Features
eCheck.Net provides enterprise-grade features for secure, reliable ACH processing integrated with your Authorize.Net gateway.
Start saving money on transaction fees with eCheck processing. Our team will help you add electronic check acceptance to your Authorize.Net gateway and optimize your payment options.
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Salt Lake City, UT 84104