Payment Processing Services

An eCheck, or electronic check, is the digital version of old conventional paper checks. eChecks are completely electronic and do not use an inch of paper during the whole transaction cycle. They use digital signatures for authentication, and funds are transferred between bank accounts once the eCheck is cleared.

The process is straightforward: after both parties agree to a transaction, the payer fills up an authorization form. The merchant verifies the eCheck details, enters the payer's information into the processing software, and submits the request. The eCheck payment service provider then initiates the transaction through the ACH network, and funds are withdrawn from the payer's account and deposited into the payee's account.

eChecks are ideal for businesses that want low processing fees, reduced chargebacks, and flexible payment acceptance options. With a 99% approval rate and $0 setup fee, eCheckPlan makes it simple to start accepting eCheck payments.

eCheckPlan makes it simple for businesses to accept credit card payments with fast, reliable processing. Our solutions support all major card brands — Visa, Mastercard, American Express, and Discover — along with digital wallets like Apple Pay and Google Pay.

We offer transparent pricing with competitive rates starting at 1.6%, no hidden fees, and customized plans to suit retail, e-commerce, or service-based businesses. Funds are settled quickly into your merchant account, typically within 1–3 business days, keeping your cash flow steady.

Whether you need in-store payment terminals, online payment gateways, or mobile processing, our platform supports omnichannel payments with 99.9% uptime so your business never misses a sale.

All eCheckPlan merchants enjoy access to a full suite of payment tools within our secure dashboard. The Check Verification Tool lets you instantly confirm the validity of checks before processing, reducing risk and protecting your business.

Our Transaction Dashboard tracks settlements, reports, and customer activity in real time. Recurring Billing automates payment schedules for consistent cash flow. Invoice Management lets you send digital invoices directly to clients. And the Virtual Terminal allows you to create and process eChecks manually when needed.

These tools are designed to make payment management seamless and secure, all from one PCI-compliant platform with bank-level security and real-time fraud monitoring.