Payment Methods / Bank payments
Payment method
Accept eCheck
Turn a paper-check payment into an electronic bank debit.
What is eCheck?
An eCheck is an electronic version of a paper check, processed over the ACH network. The customer provides their routing and account number (or you convert a paper check), and the funds move bank-to-bank — no card involved.
Why accept eCheck?
- Low, flat-fee cost compared with card processing
- Familiar to customers and businesses that still pay by check
- Good for large or recurring payments
- Fewer chargebacks than cards, though returns (like NSF) can occur
How to accept eCheck with Xray Payment
eCheck runs on the same ACH rails we can enable on your account, via a virtual terminal or your online checkout. We'll walk you through collecting bank details securely.
Get set up →Related — Bank payments