An eCheck, or electronic check, is a digital version of a traditional paper check that is used to transfer funds from a customers checking account into a merchants bank account using a payment processor. It is a type of direct debit payment, where the payee (the seller) initiates the transaction by "pulling" the funds from the payers (the customers) account. eChecks are transmitted electronically, making transactions quicker, safer, and easier than paper checks. They are processed through the Automated Clearing House (ACH) network, which connects all U.S. banks and facilitates the transfer of funds between accounts.

To accept eCheck payments, a business must first obtain the customers information, including their bank routing and checking account numbers. This information can be obtained online, by phone, or in person via a paper form. Once the funds are verified, the direct debit happens via ACH. eCheck payments are a type of direct debit and are different from direct deposits, which are "push" payments initiated by the payer.

eChecks are a secure payment method that transfers funds electronically, making them more convenient, cost-effective, and reliable than paper checks. They are especially well-suited for companies that have recurring payment models, sell high-priced items or services, or simply want to support customers desire to pay electronically. To accept eCheck payments, businesses need to work with a payment processor that can help facilitate the eCheck payment and transaction.