Verify and Accept eChecks Securely

SeamlessChex is a full-service eCheck payment processing platform.

You can instantly verify your customers' bank accounts and accept digital checks with next-day deposits directly into your bank account.

Discover what makes Seamless Chex the best eCheck payment processing provider for your customer billing needs.

Sign up and start debiting bank accounts today!

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Verify & Accept Digital Checks Securely

We’re trusted and loved by customers

A+
Accredited business bbb
4.8/5
Trustpilot
4.5/5
Merchant Maverick
5/5
Top Credit Card

How eChecks work

Capture Customer's Bank Information

Capture Customer's Bank Information

Payment is Verified Instantly

eCheck Payment is Verified Instantly

Funds are Deposited into your Bank Account

Funds are Deposited into your Bank Account

Our Core eCheck Features

Simplify your payments today.

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  • Same Day Setup
  • No Transaction Limits
  • Same or Next Day Deposits
  • Verify your first check for free
  • No Reserve
Avoid Abusive Credit Card Processing Fees

Avoid Abusive Credit Card Processing Fees

Seamless Chex was founded to reduce underwriting hurdles and payment processing fees for small businesses. As we all know, credit card transaction fees add up and create a significant strain on business finances.

With Seamless Chex, you can securely verify and accept eChecks online with confidence for a fraction of the transaction fee you are currently paying for credit cards.

Enjoy 99.1% Approval Rates

Enjoy 99.1% Approval Rates

With over 99% approval rates, almost all businesses can stop waiting for payments in the mail.

Our eCheck payments cater to high ticket and hard to place business types. Debit your customer's bank account and receive same or next day deposits without breaking the bank.

and many more...

eCheck Plans

Same or Next Day Bank Deposits
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eCheck Processing
  • No Setup or Cancellation Fees
  • No Reserve
  • No Transaction Limit
  • Payment Page / Enter Payment
  • Recurring Payments
Enterprise
Contact sales
Get a Quote
If you are doing over $100,00 in transactions a month - Contact Sales to:
  • Accept unlimited checks
  • Advanced verification
  • Manual check entry
  • Payment Links
  • Recurring billing
  • Access to our API
  • Bank balance confirmation
Enterprise
Contact sales
For high volume needs
  • Accept 25 checks/mo
  • Basic verifications
  • Manual check entry
  • Create request a check link
  • Recurring billing
  • Access to our API
  • Bank balance confirmation
Get a Quote

Join thousands of businesses that trust Seamless Chex

  • 10+

    Years in Business

  • Billions

    of Dollars Processed

  • Millions

    of Transactions
    Verified

  • $2MM+

    Saved on Postage

You’re in good company

Seamless Chex is a payment option that is loved and trusted by thousands of business owners for accepting and sending payments.

As a business owner, Paynote has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.

Clifford Parker
Clifford Parker
CEO @Parker Insurance

Seamless Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.

Marek Zribko
Marek Zribko
Manager @Omar Mediterranean Cuisine

Seamless Merchant has been great at keeping our payment processing fees at an absolute minimum.

Jared Lubel
Jared Lubel
President @Ruby & Jenna

Thanks to the insightful advice and great service offered by the team at Seamless Merchant, our ecommerce business operates more efficiently.

Hakan Lindskog
Hakan Lindskog
Chief Operating Officer NeuroHacker Collective

eCheck verification has reduced returned checks for our clients by 63% resulting in thousands saved on bank fees. They also offer A+ developer support!

J.W. Epply
J.W. Epply
CEO @Connected.co

Very reliable verification and great customer service. Customer Support is always responsive and available.

Rory Marks
Rory Marks
Managing Partner @Central Diligence Group

Paynote has helped to significantly reduce the number of checks we have to put in the mail, saving both money & time.

Alon Alexander
Alon Alexander
President @Kent Services

We have over 90 locations and Seamless Chex helps us collect out money faster, easier and more efficiently.

Phil Levi
Phil Levi
Credit & A/R Manager@ Parts Authority, Inc.

Excellent service! Sending invoices with Paynote has significantly reduced A/R by letting our customers pay online.

Sam Ende
Sam Ende
CPA @Raich Ende

Malter & Co.

Seamless Chex helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.

Justin Mitchell
Justin Mitchell
Founder, Owner@ SoFriendly

Paynote allows us to easily request one time and recurring rent payments from our tenants.

Sam Katz
Sam Katz
Executive Director@ Roxann Realty

Seamless Chex has made it easy for our business to receive funds the next day from our clients.

Tiffany Kapp
Tiffany Kapp
Managing Partner@ Custom Business Solutions

Every small business needs Paynote! Paynote's allowed me to send and receive payments quickly, securely, and reliably.

Jeff Swersky
Jeff Swersky
Owner @Jeff Swersky Consulting

Seamless Chex has been an invaluable addition to our company. It has drastically reduced the time to receive.

Alim Sunderji
Alim Sunderji
COO @Sleeptronic @Parker Insurance

Ready to get started?

Get Paid Today! Stop Waiting For Checks In The Mail

  • Accept checks online and debit customer accounts with next day funding
  • Verify customers bank accounts and balances to reduce bounced checks
  • Save money on credit card fees
  • Same day account setup, seamless sign-up, and access to our online portal
  • Perfect for high ticket transactions
  • Stop chasing your customers for unpaid bills
  • Get checks deposited directly into your bank account

Create Business Account

Get started accepting payments today
Starting at $29.99/mo
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Discover The Payment Processing Solution That's Right For Your Business

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Debit Bank Accounts via eCheck and ACH
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Accept Verified ACH Payments and Send Payouts
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Merchant Service
Accept Debit and Credit Card Payments
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Revolutionize Payment Processing Forever

Start accepting and sending customer payments today.

FAQ About eChecks

What is an eCheck?

An eCheck, short for electronic check, is a digital version of a traditional paper check used for online business transactions. An eCheck functions as an electronic transfer of funds from one bank account to another, providing a secure and convenient way to make payments over the internet.

When you initiate an eCheck payment, the required information, such as the recipient's bank account number, routing number, and payment amount, is entered online or through an electronic payment system. This information is then used to create an electronic representation of a check. The electronic checks can then be sent and accepted digitally.

How do eChecks work for accepting payments?

Banks are allowed to create substitute checks, which are digital images of the front and back of an original paper check. These substitute checks can be transmitted electronically, enabling faster and more efficient check processing for both the customer and business. The substitute checks contain all the relevant information from the original check, including the MICR (Magnetic Ink Character Recognition) line, signature, account information, and endorsements. When you authorize eCheck payments for billing and invoicing, you agree to have all payment information transmitted electronically.

How do I accept eCheck payments?

Choose an eCheck service or payment platform for your business: Select an online service or payment platform that supports eCheck transactions. There are numerous eCheck services available, including financial institutions, online payment processors, and dedicated eCheck services such as Seamless Chex that make it easy to send and accept eChecks.

How long does an eCheck take to accept and process?

The processing time for an eCheck can vary depending on several factors, including the specific payment platform or service used, the banks involved, and any additional verification processes. Generally, it takes several business days for an eCheck to clear and for the funds to be transferred from the payer's bank account to the recipient's bank account. However, Seamless Chex offers same/next-day deposits for eCheck payments that make transactions for businesses and customers quick and easy.

Why do people use eCheck money services?

People use eChecks for various reasons, as it offers several advantages and benefits compared to traditional payment methods. Here are some common reasons why businesses and customers choose to use eChecks for their electronic transactions:

  • Convenience: eChecks provide a convenient way to make payments electronically. Instead of writing and mailing physical checks, eChecks can be initiated and processed online from the comfort of one's home or office. This eliminates the need for paper checks, envelopes, and trips to the post office when making a business payment.
  • Cost Savings: eChecks can be a cost-effective payment option for your business. Compared to other payment methods like credit cards or wire transfers, eChecks often have lower transaction fees. This can be particularly beneficial for businesses that process a high volume of payments.
  • Security: eChecks offer enhanced security compared to traditional paper checks. With eChecks, there is no physical document that can be lost, stolen, or altered. The electronic transfer of funds occurs through secure networks, reducing the risk of fraud or unauthorized access to sensitive account information.
  • Faster Processing: eChecks typically have faster processing times compared to physical checks. 
  • Tracking and Record-keeping: eChecks provide a digital trail and easy record-keeping for your business. Both the customer and the recipient can track and reference eCheck transactions digitally, making it easier to reconcile accounts, track payment history, and generate transaction reports for financial records.

What is the difference between ACH and eCheck?

ACH (Automated Clearing House) and eCheck are related concepts in the realm of electronic payments, but there are some distinctions between each payment method:

  • ACH: ACH refers to the network that facilitates the electronic transfer of funds between banks in the United States. ACH is a system that handles various types of electronic transactions, including direct deposits, direct payments, and electronic fund transfers. ACH transactions can involve various payment methods, such as credit transfers, debit card transactions, and electronic checks (eChecks). ACH processes transactions in batches, typically taking a few business days for funds to be transferred from one bank account to another.
  • eCheck: eCheck, on the other hand, specifically refers to the electronic version of a traditional paper check used for online transactions. eChecks are is a method of payment that utilizes the ACH network to transfer funds electronically from one bank account to another. eChecks are created and processed electronically, without the need for physical checks. eCheck payments carry the same information as paper checks, such as bank account numbers, routing numbers, and payment amounts. The processing time for eChecks within the ACH network is generally a few business days.

In summary, ACH is the broader system that handles various electronic transactions, including eChecks. eChecks, however, specifically pertain to the electronic version of traditional checks and utilize the ACH network for funds transfer. While ACH encompasses other types of electronic transfers beyond eChecks, eChecks focus specifically on the digital representation of paper checks for online payments.

Does eCheck have a fee?

Yes - however, the fees associated with accepting eChecks can vary depending on the payment processor, financial institution, or service provider you choose to use for sending and accepting eCheck payments. With the right payment processor, you can accept eChecks for minimal fees.

Which Documents are Required for Submission and to Accept eChecks?

  • Employer Identification Number (EIN)
  • Bank Balance ($10,000)
  • Driver's License
  • Voided Check or Bank Letter
  • Articles of Incorporation