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Authorize.Net provides an exclusive, fully integrated electronic check payment method, called eCheck.

Using eCheck, 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 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 is easy for merchants already using the Authorize.Net Payment Gateway.

  • Integrated Reporting – Provides a combined view of all eCheck and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.


To download the eCheck User Guide please click here.

NOTE: After you have activated your gateway, you can apply for eCheck by accessing the application directly within your merchant interface. Your eCheck application will then go through underwriting at Authorize.Net.

The deposit time is approximately 5-7 business days. 


Discount Rate                                                 0.75%

eCheck.Net Minimum Monthly Fee       $10.00

eCheck.Net Chargeback Fee                  $25.00

eCheck.Net Returned Item Fee              $3.00


NO Set Up Fees

NO Cancellation Fees

FREE Tech Support

FREE Virtual Terminal

FREE Online Reporting

FREE Recurring Billing

FREE Invoicing

FREE Tokenization CIM

FREE Developer APIs

FREE Cart Integration

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