Online Check Writer

Accept Checks by Phone Without Wasting Any Time

Mar 18, 2023 | Check Printing Software powered by Zil Money is a financial technology company, not a bank or an FDIC member. offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

In today’s fast-paced and digital world, accepting phone checks is no longer a dream. One of the payment methods that businesses can benefit from the option of eCheck over the phone. eChecks are electronic versions of traditional paper checks that can be processed quickly and securely. Keep reading to know more about – Powered by Zil Money and accept checks by phone, thus transforming sending and receiving money cost-effective and easily.

What Is a Check?

A check is a written, dated, and signed instrument instructing a bank to pay the bearer a specific sum. The payer or drawer is the person or entity who writes the check, while the payee is the person or entity to whom the check is written. Checks are convenient because they can be quickly and easily cashed or deposited into a checking account. Furthermore, they provide a transaction record, which can be useful to both the payer and the payee. However, keep in mind that a check is a legal document, and as such, it should be used with caution.

What Is an eCheck?

An electronic check, also referred to as an “eCheck,” A digital check, internet check, or direct debit transfer are other names for it. It’s a type of payment made via the Internet or another data network that functions similarly to a traditional paper check. However, because the check is an electronic form, it can be processed more quickly. eCheck is a type of electronic funds transfer that uses the ACH network to process customer payments to the payee’s account; alternatively, you can send this digital check via email so the recipient can print and cash it.

Is EFT and ACH Same as eCheck?

The fact that an eCheck is a type of electronic funds transfer (EFT) that uses the Automated Clearing House (ACH) network is the most straightforward way to explain the similarities and differences between ACH, EFT, and eCheck.

When using an eCheck, funds are electronically transferred from the payer’s account to the payee’s financial institution via the ACH network and then electronically deposited into the payee’s account. Everything is done electronically in the same way that paper checks are processed.

The Process of Accepting Checks by Phone

To accept checks by phone, businesses can send digital checks in two ways. Firstly, you can send the check via the ACH network or digital checks through email, and the receiver can accept checks by phone or other devices, print them, and deposit them like a normal check. 

Once the eCheck is verified, the funds are transferred electronically from the customer’s account to the business’s account through the ACH network. Send and accept checks by phone from anywhere using

Will an eCheck Bounce Like a Normal Check?

Unlike traditional checks, consumers who pay with eChecks usually know when their money will leave their account—usually within three to five business days. It usually takes 24 to 48 hours for the funds to be confirmed in your account after you authorize the payment. Your eCheck will “bounce” like a regular check if you don’t have enough funds.

Send or accept checks by phone simpler, easily, and without wasting time. 

Benefits of Accepting Checks via Phone

  • Convenience: Accepting Checks by phone can be a convenient payment option for customers needing access to a physical check or prefer not to mail it in. It eliminates the need for customers to visit the business in-person to make a payment.
  • Faster Processing: eChecks can be processed faster than traditional paper checks, improving cash flow and reducing the time it takes to receive payment.
  • Secure: Electronic payment systems are used to process eChecks, which reduces the risk of lost or stolen checks. Additionally, payment systems can verify account information to ensure that the eCheck is valid and that sufficient funds are available to cover the payment.
  • Lower Fees: Accepting eChecks can be less expensive than other payment methods, such as credit card processing fees. This can save businesses money on transaction fees.

Accept checks by phone from the comfort of your home or office, and this is a convenient and secure payment method for businesses and customers. This reduces processing time and improves cash flow, all for a reasonable cost. In addition, by offering multiple payment options, businesses can provide their customers with a more convenient and seamless payment experience. If you are looking for the best platform to send and accept checks by phone or any other device, look no further than

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