What is eCheck?
An eCheck, or electronic check, is a digital version of a traditional paper check. When an eCheck is used, the necessary information typically found on a physical check, such as the checking account number, bank routing number, and payment amount, is electronically transmitted to initiate a direct debit from the client's financial institution (bank account) to the merchant's business banking account.

The process of using eChecks primarily operates within the Automated Clearing House (ACH) network, which is specific to the United States. The ACH network is a secure and reliable system that facilitates the electronic transfer of funds between financial institutions. It processes a large volume of transactions, including eChecks, direct deposits, and other electronic payments.

In the case of eChecks, the payment information is encrypted and transmitted securely over the ACH network. The client authorizes the transaction either by providing their account details online or by signing an authorization form. Once the transaction is initiated, the funds are debited from the client's account and deposited into the merchant's account, typically within a few business days.

It's important to note that while eChecks are commonly used in the United States, other countries may have their own "electronic payment systems" or similar alternatives to handle digital check transactions. These systems may differ in terms of technology, processes, and regulations, but the underlying principle of electronically transferring funds remains the same.


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