eCheck Introduction

If you are looking for an online casino payment service, then eCheck brought to you by Authorize.Net is an option worth considering. This payment method facilitates payment for various goods and services that are purchased online, via mail order or online. It is essentially an electronic check acceptance method. Authorize.Net also provides the added functionality of allowing merchants to convert paper checks into electronic checks.

In order to process fund transfers, eCheck.Net uses a network called the Automated Clearing House or ACH. A group of financial entities and similar institutes within the banking community constitute the ACH Network. The ACH Network collaborates to enable smooth processing and clearing of these electronic checks. The ACH processing rules are governed by the NACHA (National Automated Clearing House Association) and the Electronic Funds Transfer Act, as well as the Regulation E which was established by the Federal Reserve Board.

How does eCheck Work?

In order to process an application for eCheck.Net, the customer needs to provide necessary personal information along with their banking information. This information is then sent to Authorize.Net, who then begin processing the application, and it is possible to view the status of the account at every stage.

How credit card payments work using

The processing of the eCheck is a simple six step process. It begins with the customer providing relevant date to the merchant either on the phone or over the internet. Once this step is completed, the purchase is said to be complete, however the transaction process has just begun. The merchant who receives the customers’ data then uses the internet to transfer the relevant date to Authorize.Net. Authorize.Net merely acts as a middle man, and this data is processed into more recognizable data for the bank. The Authorize.Net system then transfers the data to its banking system known as the ODFI in order to begin the process of money transfer. The ODFI in turn turns to the ACH Network to verify that the details that have been provided. Once verified, the ACH Network sends a request to the customer’s bank for the funds necessary to complete the transaction. The amount to be transferred is then withdrawn from the customer’s bank or the RDFI and transferred into the Merchant’s bank account, again using the ACH.

Since the eCheck process is strictly regulated, and all transfers are between banks and this system cannot be used for direct withdrawal of cash, the eCheck system is extremely safe and reliable. The eCheck.Net system also does not require credit cards or credit card details. The system is also very transparent, and it is possible to check your bank account details at any time if there is any dispute over purchases.

eCheck Pros and Cons

Though there are some limitations to using the service eCheck.Net like the fact that it can process transactions only if they are in US Dollars, or the fact that some banks do not allow merchants to open business checking accounts which are necessary in order to be able to use the eCheck facility. It is also important to note that eCheck.Net cannot be processed in real time. Having mentioned this, it is important to state that there are many advantages to using this system like lower fees, increased efficiency and top class security.

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