Internet & Mail/Phone Order Processing
Authorize.Net's eCheck.Net is a payment solution that enables online and traditional merchants to accept and process electronic check payments directly from their Web site's storefront or through the Authorize.Net™ Virtual Terminal. By accepting electronic checks, merchants are able to expand the payment options available to their customers and potentially increase their sales.

With eCheck.Net, customers pay for products or services with an electronic check by selecting the electronic check option and entering the requested bank account information. eCheck.Net encrypts the data using Secure Socket Layer (SSL) 3.0 encryption technology, and transmits it to the secure Authorize.Net transaction server for posting. At settlement time, the Authorize.Net system initiates a debit to the consumer's checking account via the Automated Clearing House (ACH) and then transfers collected funds to the merchant's account. The eCheck.Net system notifies merchants of failed debit attempts, including "Not Sufficient Funds" returns.

eCheck.Net is an ideal solution for businesses that periodically bill their customers or do not have a commerce-enabled website. Health clubs, tanning salons, subscription services, ISPs, membership companies and health care practitioners are all examples of the types of businesses that would benefit from the eCheck.Net service.

Benefits of the eCheck.Net service:

• Acceptance of electronic check transactions can reduce payment processing costs to merchants.
• Merchants can easily expand the payment options available to their customers at the point of sale which could potentially increase overall sales.
• All eCheck.Net transactions are automatically settled each day.

• eCheck.Net Standard Terms (PDF)
• eCheck.Net Operating Procedures (PDF)