Shop Online With E Check: Unlocking Seamless Transactions

Written by Shalini Kapoor
Last updated:
Reviewed by Daisy Martinez
Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

Do you remember what payment method did you use last time you went shopping? Credit card? Paypal? Now, you can shop online with e check. Like bank checks, you can send echeck online instantly. This is a convenient way, as you won’t have to use any other medium in between. 

Does it sound confusing to you? Follow this guide, and you shall become an e-check enthusiast. You’ll learn about the following things in this article: 

What Is An E-Check? 

eChecks are digital versions of paper chThe senderhat use the same data (checking account number, bank routing number, and payment amount) to process payments online.

If you want to shop online securely and conveniently, eChecks are a great option. They let you pay for your purchases without using cash or credit cards, and they don’t ask for any personal information. 

eChecks are also faster than paper checks, as they don’t need to be mailed or deposited. More and more online shoppers are choosing eChecks as their preferred payment method.

​​How Do E-Checks Work?

An eCheck payment is a kind of direct debit, which means that the seller (the payee) initiates the transaction and gets the money from the buyer’s (the payer’s) account. 

This is different from a direct deposit, where the buyer (the payer) initiates the transaction and sends the money to the seller’s (the payee’s) account. An eCheck is a “pull” payment, while a direct deposit is a “push” payment.

Paying with an eCheck online is easy and convenient:

  • Browse and shop as usual.
  • Enter your bank routing number and checking account information at checkout
  • The stores will forward this information to a payment option.

Difference Between E-Check And Paper Check

If you have never used eChecks before, they are just like regular checks, but electronic.

eChecks process faster, resulting in faster cash flow. 

Customers don’t have to put in the same amount of work to write and mail eChecks as they do with paper checks. Additionally, you are not required to process the payment before an eCheck has been received in the mail.

Difference Between EFT, Wire, ACH, And Echeck

Here’s an overview of the differences between each transfer method.

MethodDescriptionSpeedCostSecurityInternational Transfers
EcheckAn electronic version of a paper check sent through the Automated Clearing House (ACH) network. The sender authorizes payment with a digital signature, and the recipient verifies with their bank.3-5 business daysLow or freeHigh (payment is encrypted and verified)Limited availability
EFTElectronic Funds Transfer, a generic term covering various electronic money transfer methods including Echeck, Wire, ACH, PayPal, Venmo, Zelle, etc.Varies depending on the methodVaries depending on the methodVaries depending on the methodPossible
WireDirect and fast transfer of funds from one bank account to another, typically using networks like SWIFT or Fedwire. Sender provides the recipient’s bank details, recipient confirms with their bank.Same day or next dayHigh (both banks may charge fees)Moderate (payment is traceable but not encrypted)Yes
ACHAutomated Clearing House, a network for processing large batches of electronic transactions like payroll, direct deposit, bill pay, and Echeck. Requires sender and recipient to have US bank accounts.1-3 business daysLow or freeHigh (payment is encrypted and verified)No

Where Can I Shop Online With A E-Check?

Nowadays, there are e-commerce and ​​jewelry stores that accept eChecks. Are you not sure if your marketplace accepts eChecks or not? Here we will enlist the top ecom brands that accept echecks.

Best 10 Shopping Online Stores Which Accept Echecks Without Paypal

This is a list of what online stores accept routing and account numbers.

  1. Amazon
  2. Dell
  3. Nordström
  4. Target
  5. Vistaprint
  6. Milanoo
  7. Foot Locker
  8. Wayfair
  9. Etsy
  10. Nordstrom

Best 10 Shopping Online Stores  Which Accept Personal Echecks

  1. Amazon
  2. eBay
  3. Target
  4. Etsy
  5. Walmart
  6. AliExpress
  7. Wayfair
  8. Oriental Trading
  9. B&H
  10. Appliances Connection

How To Shop Online And Pay With A Echecking Account

At the checkout, you must enter your bank routing number and checking account details in order to make an online purchase and pay with an eChecking account. 

You must look for ​​You can also pay by electronic check online using services like PayPal, Google Wallet, Skrill, Payoneer, 2Checkout, and Payza. 

Should You Use An E-Check?

This should not take long thought to answer. The answer is yes. However, Using eChecks, like any other form of payment, carries some risks. One of these risks is that eChecks do not guarantee completion. 

They can bounce, be stopped, or be obstructed by closed accounts and liens. eChecks, unlike credit card payments, can take a few days to clear, which means you can sell your product but receive the funds a few days later. 

eChecks can be rejected as well. However, when processed by the right payment processor, eChecks are generally regarded as a secure payment method. 

Key Advantages Of Shop Online With E-Check

Still can’t make a decision? Well, now we are going to describe the benefits of eCheck. We hope that by learning these benefits, you can make a better decision related to eCheck.Here are the benefits of using eCheck.

  • E-checks are great for paying bills online or by phone. They are faster, cheaper, and safer than paper checks or credit cards. 
  • E-checks save you time and money. You don’t have to buy checks, stamps, or envelopes. You don’t have to wait for the mail to deliver your payment. You get an instant confirmation that your payment went through. 
  • E-checks are good for the environment. You use less paper, ink, and fuel. You help reduce waste and pollution. 
  • E-checks make your customers happy. You give them more options to pay you. You make it easy and convenient for them to do business with you. 
  • E-checks protect you from fraud. You don’t have to worry about someone stealing your check or your credit card information. You can verify your payment before it goes through. You can still stop or cancel your payment if you need to.


What Websites Can I Pay With Echeck?

There are several e-commerce platforms, like Amazon, Aliexpress, eBay, and many more that accept eCheck as a payment method.

Can You Pay With Echeck At Walmart?

Yes, you can now pay with eCheck at Walmart.

How Do I Cash An Echeck Online?

You can’t cash an electronic check like a paper check. There is no paper to give to the bank or store.

But don’t worry. You can still get your money in cash. You just have to wait for the money to show up in your account. Then you can take it out like any other money.

Or you can use apps like Ingo money to deposit cash in your Paypal.

How Do I Accept An Echeck Online?

You can accept eChecks online by opening an ACH merchant account with your payment processor. 

Your payment processor will require information about your company’s name and address, federal tax identification number, bank account information, the number of transactions you process each month, and the number of years you’ve been in operation. 

After creating an account, you can directly enter payment information, remittance data, and attachments into the platform.

Is It Possible To Process An Echeck On The Weekends?

No, On weekends, electronic checks cannot be processed. Financial institutions are involved in the eCheck process, which typically operates only on business days. 

If your customer makes an eCheck payment on a Monday, it will most likely be authorized by Wednesday or Thursday, but the funds will not arrive in your bank account until the following week.

Is There A Fee For Using An eCheck?

Using eChecks at checkout usually does not incur any fees, but this varies depending on the store. If you’re unsure whether there is a fee or not, contact customer service at the store where you want to shop. 

They should inform you whether or not there is an additional fee for using this method of payment.

Does Walmart Accept eCheck? 

Yes, Walmart accepts eChecks. 


If you are looking for a faster and more secure payment option, eCheck is an ideal solution for you. As we have discussed earlier, this is a convenient way of money transfer among all other options that are available. 

Also, are you maxed out on your credit card? You can use eCheck to complete your purchases. So, we think now you shouldn’t have any confusion about whether should you make your next purchase via eCheck or not. Comment down below if you have any specific questions related to that! 

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Shalini Kapoor

Shalini Kapoor is a dedicated financial writer and editor at Currently pursuing her Master's in Accounting, she possesses a unique blend of academic rigor and practical insight into personal finance. Shalini is fervent about empowering individuals with actionable financial advice, grounded in her in-depth studies and natural flair for simplifying complex topics. As an editor, she ensures every piece of content meets the highest standards of accuracy and relevance. With a passion for continuous learning, Shalini is not just sharing knowledge but also constantly expanding her own, to benefit the readers of

Disclaimer: The opinions, analyses, and information expressed by this author are for informational purposes only and do not constitute financial, investment, or other professional advice. Always conduct thorough research and consult with a professional before making any investment decisions.

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