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PayStand eCheck

Direct bank debit

eChecks are like paper checks, but easier and faster. Get instant funds verification, debit your customer's bank account, and the funds settle in your account within 48 hours.

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Secure bank authorization

We've partnered with major U.S. banks to enable eCheck bank payments via online banking login. It's easy and more secure than credit cards.

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Easy checkout process

PayStand's eCheck checkout is as easy and familiar as paying with a credit card. You can offer a choice of credit cards and eCheck, or enable eCheck exclusively.

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Recurring payments

If your customers pay you regularly, they can set up a monthly recurring payment directly from their bank account. Perfect for services, rent, donations etc.

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Zero-percent, fixed rates

PayStand customers can accept eChecks for 0% plus a small fixed fee of only 25 cents per transaction. Compare that with $10 and up for wire transfers, or 3% credit cards.

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Works with your systems

It's easy to add a "Pay Now" link to your invoices, and a PayStand eCheck portal to your website. When you're ready to integrate and scale, our APIs are ready to deploy.

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Frequently asked questions:


Why should I accept eChecks instead of credit or debit cards?

eChecks are gaining in popularity because they can be processed for a fraction of the fees taken by credit card payments (see below). They provide an easy and secure way to get paid directly from a customer’s bank account, and make a lot of sense for big-ticket or subscription-based items.

What does it cost to accept eChecks?

PayStand subscribers at all membership levels can accept eChecks simply by turning on the eCheck option in their dashboard. PayStand does not mark up eChecks, so you'll get a permanent 0% rate with a micro fixed processing fee of only $0.25 per transaction.

Which banks are supported for online banking login?

PayStand's eCheck supports over 18,000 U.S. banks. This means that whether your customer uses one of the big banks or their local community bank, they will be able to pay you with eCheck. 

Does my customer have to sign up with PayStand to pay me?

No, we try to make your customer’s payment experience as seamless and easy as possible. Your customer can pay right on your website in an inline checkout window, complete with your logo and branding. They don’t need any special credentials other than their banking login to authorize the transaction.

Does my customer need their checkbook handy to pay with eCheck?

No, because PayStand supports secure online banking verification, all your customer needs is their bank login to approve the transaction. Most people have their bank logins memorized, which makes it a more convenient payment method than entering in all those credit card digits and security codes.

Does my customer pay a fee to use eCheck?

PayStand gives you the option to pass the $0.25 per-transaction fee on to your customer, but this is optional. There is no additional charge to your customer to pay using eCheck.

Can I accept international payments by eCheck?

At this time PayStand does not support international eCheck payments. We do support international credit card payments as long as the merchant account is U.S.-based.

How can I request an eCheck payment?

PayStand gives you several options to guide your customer to an eCheck payment. You can send your customer a secure link to pay you for a specific invoice, or include eCheck as an option in your online checkout process. You can include eCheck next to the credit card option, or offer eCheck exclusively.

Can I set up automated debits with eCheck?

Yes, automated recurring eCheck payments are a unique feature of PayStand’s eCheck support. You can set up the recurring payment option when you turn on eCheck payments in the PayStand dashboard to monthly or annual. Only the fixed $0.25 fee will be charged for each transaction. Recurring eChecks are a great way to receive regular payments on time and in full, as well as to offer amortized payments for big-ticket items or donations.

Can my customer fake an eCheck transaction?

No. PayStand eCheck transactions perform instant funds verification on the source bank account before confirming the payment. Only the owner of the online banking login can authorize and perform the transaction.

What’s the difference between eCheck and ACH?

Both eCheck and ACH are networks that enable the direct debit of a customer's bank account. ACH is more commonly used for batch or recurring payments between two parties that do business together, under a legal contract. eCheck is designed to function more like a paper check, for a one-off transaction between two parties. As a result, eChecks do not require account verifications like two-drop deposits which can slow down payment processing. 

How secure is eCheck?

The eCheck system was architected to exceed even the high standards for online credit card processing. It leverages state-of-the-art cryptography and digital signatures to ensure the validity of each transaction. The eCheck framework is further protected by the long-established legal structure around checks. Because eCheck payments are initiated by the customer, they show a clear authorization and intent to pay instantly, therefore dramatically reducing the refund and chargeback requests commonly associated with credit card charges.

Can I give my customer the choice of eCheck or credit card?

Sure, PayStand lets you offer eCheck as an option next to credit cards, so your customer can choose. You can even offer a discount for eCheck payments, to pass the savings on fees to them.

Can I integrate PayStand’s eCheck functionality?

Yes, PayStand offers enterprise-level solutions to allow developers to integrate eCheck with their platforms. eCheck has broad applications for funds transfer, deposit and remittances, and PayStand offers a rich API so you can customize our implementation to suit your business. We also offer quickly deployable plug-ins for popular ecommerce and web development environments.

Can I discount eCheck transactions?

Yes. You can offer an incentive to your customers to pay with eCheck as opposed to credit cards by adding the credit card fees to their transaction totals. The PayStand checkout will automatically calculate and display the amount they will save by paying with eCheck.

How can I ensure my customers’ privacy when they pay with eCheck?

Your customers’ security and privacy are assured when they pay you with PayStand’s eCheck checkout. PayStand does not store your customers’ bank login or any other sensitive data, and all transmissions are protected with 256-bit SSL encryption. Since PayStand does not store this information, it is never in your possession as the merchant, freeing you from the risk of hacking or accidental disclosure.
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