eCheck - Electronic Checks

Authorize.Net provides an exclusive, fully integrated electronic check payment method, eCheck.Net. Using eCheck.Net, merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the Authorize.Net Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

  • Lower Fees – Lower rates than credit cards or PayPal.
  • More Efficient – eCheck.Net does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.
  • Fully Integrated Solution – No third-party integration required—implementing eCheck.Net is easy for merchants already using the Authorize.Net Payment Gateway.
  • Integrated Reporting – Provides a combined view of all eCheck.Net and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.
  • Ship Product Sooner – Improved up-front transaction validation that returns the status of transactions faster.
  • Security – Authorize.Net uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.

For more information about eCheck.Net, please download the eCheck.Net Operating Procedures and User Guide (PDF).

Financial Statements, Profit/Loss Balance Sheet etc. Required

You will be applying directly to Authorize.Net and Underwriting and Approval are performed by Authorize.Net.

Login into your Authorize.Net account to review the status of your application. Funds directly deposited into your checking account.

eCheck.Net Per-Transaction Fee: $0.35 cents

eCheck.Net Discount Rate (Cumulative Tier)

Charge Transaction Dollar Volume:

$0-$4,999.99 0.75%
$5,000.00-$49,999.99 0.70%
$50,000.00-$199,999.99 0.60%
$200,000.00 or more 0.55%
eCheck.Net Setup Fee WAIVED
eCheck.Net Chargeback Fee $25.00
eCheck.Net Returned Item Fee $3.00
eCheck.Net Batch Fee $0.35
eCheck.Net Minimum Monthly Fee $10.00