eCheck.Net to Accept Electronic Checks


Our exclusive, fully integrated electronic check payment method enables you to accept and process payments from bank accounts directly through your website or the Authorize.Net Virtual Terminal. You can accept electronic checks in addition to credit cards, or choose our eCheck.Net Only pricing plan.

Optional Service: 0.75% per e-check transaction

Need to Accept Credit Cards Too?   SEE OUR PRICING PLAN

Features & Benefits

By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

Lower Fees

Lower rates than credit cards or PayPal. Only 0.75% per e-check transaction. Additional fees may apply for chargebacks and monthly minimums.

More Efficient

eCheck.Net does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.

Fully Integrated Solution

No third-party integration required—implementing eCheck.Net is easy for merchants already using the Authorize.Net Payment Gateway.

Integrated Reporting

Provides a combined view of all eCheck.Net and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.

Ship Product Sooner

Improved up-front transaction validation that returns the status of transactions faster.



Authorize.Net uses the latest Transport Layer Security (TLS) technology for secure Internet Protocol (IP) transactions.


For more information about eCheck.Net, please see the Electronic Check Process Diagram and the eCheck.Net Operating Procedures and User Guide (PDF).



eCheck.Net Case Study

Aside from cash, checks are the most popular payment method today, making their acceptance critical for e-commerce and mail order/telephone order (MOTO) merchants. Learn how an inflatable amusement company implemented Authorize.Net eCheck.Net, our own electronic check product, to simplify its business payments.


FAQs: eCheck.Net

Check out our FAQs for answers to some of our most commonly asked questions.


How it Works: Electronic Check Payments

"Our overall check processing time was reduced from 21 days down to three. "


Robert Taylor, Space Walk