Online Check Writer

Pay with Electronic Check for a Cost Effective Payment Solution

Mar 17, 2023 | eChecks 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.

When asked to make a payment, you may have encountered the term “electronic check” and felt overwhelmed by it. However, there is no need for concern, as it is merely a digital or electronic version of a conventional check, representing the future of payment methods. Keep reading to know more about eCheck payment and its benefits for individuals and businesses. – Powered by Zil Money provides a convenient and efficient method to pay with electronic checks with many benefits.

Physical Check

A physical check, also known as a paper check or a cheque (in some countries), is a form of payment made using a written instrument. It is a document that authorizes the transfer of a specific amount of money from one bank account to another.

While physical checks are still used for certain transactions, electronic payment methods such as eChecks and ACH have become more popular because of their convenience and speed. However, physical checks can still be useful for certain transactions, especially when electronic payment methods are not available or preferred.

What Is an eCheck?

An “eCheck” is another name for an electronic check. Other names include a digital check, an internet check, or a direct debit transfer. It’s a form of payment that resembles a traditional paper check and is send through the internet or other data network. However, the check can be processed more quickly because it is electronic. For example, the ACH network is used by eChecks, a type of electronic funds transfer, to process customer payments into the payee’s account. Alternatively, you can email this digital check to the recipient so they can print and cash it.

How Does eCheck Work?

Check to process electronically is much faster than check processing on paper. The process can now be completed electronically, which reduces paper waste and saves time. It’s not necessary for someone to handwrite a check and mail it to the business they need to pay. They can do it online instead.

The eCheck payment process works as follows:

  • Authorization: The customer authorizes the payment by providing the merchant or payment processor with their bank account information and the payment amount.
  • Verification: The payment processor verifies the customer’s bank account details and ensures there are sufficient funds to cover the transaction
  • Processing: If the payment is authorized and sufficient funds are available, the payment processor initiates an electronic transfer from the customer’s bank account to the merchant’s account.

  • Settlement: The payment processor processes the transaction by debiting the customer’s bank account and crediting the merchant’s.

  • Confirmation: The client receives payment confirmation, typically via email or their online banking portal.

You can also send or pay with electronic check via email or ACH in and the receiver can print the check and use it as a normal check.

eCheck Payments

You can use eCheck in to make payments via email or the ACH network. Send the eCheck as a printable PDF to your payee, and the payee can print them on regular or blank check paper using a regular printer. 

You need the recipient’s email address to send an eCheck or have to use ACH payment network. In the case with recipient of the check receives instructions via email to print the check on blank check paper and deposit it just like a regular check.

eCheck vs ACH

eCheck and ACH are both electronic payment systems, but they have some differences.

eCheck is a type of electronic payment that allows consumers to make payments directly from their bank accounts. It is a digital version of a paper check, where the funds are transferred directly from the sender’s account to the receiver’s account. eChecks can be initiated by the consumer or a merchant, and they can be used for one-time or recurring payments.

ACH (Automated Clearing House) is also an electronic payment system that facilitates financial transactions between banks in the United States. ACH transactions are initiated by a business or consumer and are processed through the Federal Reserve. ACH transactions can be used for direct deposit, bill payment, business-to-business payments, and other types of transactions.

While eChecks and ACH are similar in that they are both electronic payment methods, the key difference is how they are initiated. eChecks can be initiated by either the sender or the receiver, while the sender typically initiates ACH transactions. Additionally, ACH transactions are processed through a central clearinghouse, while eChecks may be processed through different networks depending on the financial institution.

Overall, pay with electronic check is the most efficient, convenient, secure, and cost-effective alternative to paper checks. With, eCheck transactions are simplified. Additionally, you can use the information on a paper check to create an electronic transfer. Our platform provides the option to print eChecks on white or check paper, as well as through the ACH network. Electronic checks have the same functionality as paper checks.

Get in Touch

(408) 775-7720

Make a call directly to our customer support team to get assistance instantly.

Email us to resolve any queries you have about

111 N Market St, San Jose, CA 95113

PO Box 6543, Tyler TX 75711

You May Also Like…