Online Check Writer

Use eCheck Payment and Say Goodbye to Physical Check

Mar 11, 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.

You may have come across the term “eChecks” when asked to make payments and felt overwhelmed by it. However, there is no need to worry as it is simply a digital or electronic version of a traditional 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 offers a convenient and efficient way to make eCheck payments with numerous advantages.

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.

How Does eCheck Work?

Check to process electronically is much faster than check processing on paper. The process can now be completed electronically, which saves you time and reduces paper waste. A person is not required to write a check by hand and mail it to the business that must be paid. They can instead do it online.

The eCheck payment process works as follows:

  • Authorization: The customer authorizes the payment by providing their bank account information and the payment amount to the merchant or payment processor.
  • Verification: The payment processor verifies the customer’s bank account information and checks for sufficient funds to cover the payment.
  • Processing: If the payment is authorized and funds are available, the payment processor initiates an electronic transfer of funds from the customer’s bank account to the merchant’s.
  • Settlement: The payment processor settles the payment by debiting the customer’s bank account and crediting the merchant’s bank account.
  • Confirmation: The customer receives payment confirmation, usually by email or through their online banking portal.

You can also send eCheck via email in and the receiver can print the check and use it as a normal check.

Benefits of eCheck

The eCheck payment option provides several benefits, including:

  • Convenient: eCheck payments can be made from anywhere at anytime using a computer or mobile device. This eliminates the need to visit a physical location or mail a check.
  • Safe and Secure: eCheck payments are processed using secure encryption technology, which ensures that sensitive financial information is protected.
  • Cost-Effective: eCheck payments are generally less expensive than other payment methods, such as credit card payments, which can have high processing fees.
  • Fast: eCheck payments are typically processed within 1-2 business days, which is faster than traditional check processing times.
  • Environmentally friendly: eCheck payments reduce paper waste and eliminate the need for physical checks to be transported and processed.
  • Accessible: eCheck payments are available to anyone with a bank account, regardless of credit history or financial situation.
  • Flexible: eCheck payments can be scheduled in advance, making it easy to manage recurring payments or to pay bills on time.

Can I Use eChecks for Recurring Payments?

eChecks are one of the most common ways to set up recurring payments. You’ve probably heard the terms “recurring ACH payment” or “direct debit,” which are comparable with “recurring eCheck payment.”

For instance, property managers often ask renters to fill out a form for a recurring eCheck rent payment. This allows them to automatically deduct rent from their tenant’s checking account on a set date each month.

eCheck vs Physical Check

Checks and physical checks have some similarities and differences, including:


  • Both eChecks and physical checks transfer funds from one bank account to another.
  • Both payment methods require the payer to provide their bank account information, including the routing and account numbers.
  • Both payment methods may take 1-2 business days to clear and become available in the payee’s account.


  • eChecks are processed electronically, while physical checks are paper documents that need to be physically transported and processed.
  • eChecks can be initiated and processed online, while physical checks require the payer to write, sign, and mail the check.
  • eChecks are generally faster and more efficient than physical checks, which can take several days to arrive in the mail and clear through the banking system.
  • eChecks are typically less expensive than physical checks, which require the payer to purchase and mail the checks and may also incur additional fees for check processing and postage.

Overall, eChecks payments offer a faster, more convenient, safe, and cost-effective alternative to physical checks. Conduct eCheck payment more simpler with Additionally, you can convert a paper check into an electronic transfer by utilizing its information. Our platform offers the option to print the eCheck on either white or check paper or through the ACH network. eCheck payments provide the same functionality as a physical check.

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