: The merchant or their payment processor submits this information to the ACH network, which manages the communication between the payer's and payee's banks.

: eChecks often have significantly lower fees than credit cards, which usually range from 1.5% to 3.5% per transaction. In contrast, eChecks may incur a flat fee or a much smaller percentage (e.g., 0.5% to 1.5%).

Buying with an eCheck (electronic check) is a digital payment method that draws funds directly from a checking account via the Automated Clearing House (ACH) network . Functioning as a "digital version" of a paper check, it offers a secure and often more cost-effective alternative for online transactions, particularly for large or recurring payments. How the eCheck Process Works

: Digital checks eliminate the risk of physical theft or loss associated with paper checks. They utilize high-level encryption and authentication protocols mandated by NACHA .