Nowadays many businesses prefer to receive payment either through cash, debit, or credit cards. They also prefer to use more recent means of receiving payment such as digital wallets. The term checks have a negative association since most people believe that the payment process is slow since checks do take a longer time to mature.
However, the case is very different for the new and modern method of paying for products and services known as eChecks. eChecks are a great way for any business to incorporate as a means of receiving payment for a number of reasons.
In this article, you will learn some of the advantages of an eChecks, how they work and some of the online stores which accept this mode of payment without PayPal.
Therefore, let us get right into it.
Advantages of Using an eCheck
An eCheck works in a similar manner as a regular check. The only difference is that you send the check to the payee electronically instead of using the postal services or delivering it by hand.
Speed
One of the greatest advantages of an eCheck over a paper check is that they process way faster. They are also more secure than paper checks. Another great feature of an eCheck is that it cannot bounce like a paper check since the eCheck transaction cannot go through if the customer does not have sufficient funds in their checking account.
Additionally, an eCheck does not have a maximum amount. This means that a customer can pay as much as they would want using an eCheck. This feature is very important especially for those stores which sell high-end products.
Lower Transaction Fees
Another advantage of eChecks compared to other means of payment especially credit and debit card payments is the lower transaction costs which make the payment option cheaper. The routing and account numbers rarely change which makes eChecks very efficient in making repeated payments.
You can use this method to pay for your rent, mortgage, and other recurring expenses without any hustle.
Secure
Another great advantage of using eChecks is that they are very much secure. Unlike paper checks which are easier to forge, it is very difficult to forge an eCheck. Therefore, when a business accepts eChecks, they give customers more options as far as payment methods are concerned.
Online Stores Which Accept eChecks Payment Without PayPal
Since you now have an idea on eChecks and some of their advantages, let us review some of the online stores which do accept eChecks payment without PayPal.
1. Amazon
Amazon is one of the largest online stores where you can get almost anything that you want. After selecting all the items that you need to buy from the store, you add them to your cart. When you get to the Shipping and Payment stage of your purchasing process, select the “add a checking account” option.
Here, fill in your name, address, routing number, account number, and a government-issued Identification Number. After you have entered this information it is now possible to pay using an eCheck.
2. Cabela’s
If you are an outdoor enthusiast you are in luck since Cabela’s accepts electronic checks. The company offers recreational gear, hunting, camping, and fishing gear at a very affordable price.
To pay for any items that you buy at the store using an eCheck is quite easy. All you will need to do is contact the company through (800) 237-4444 and go-ahead to set up the eCheck payment.
3. Google Express
You can pay for shopping from various stores through Google Express using an eCheck. By using Google Express, it is possible to buy items from very many stores in the United States. The good news is that the items can be delivered wherever you are in the country.
After you place your order, you should select the day you want to receive the goods. However, the delivery period depends on your geographical location. Google Express or the store from which you are buying the items will start the delivery process.
To pay using an eCheck on Google Express, you need to go to your Google Wallet and link it with your checking account. Make sure that you feed your routing, checking account number, and your name and address correctly.
4. Microsoft Store
If you need computer related software especially windows software, you might need to visit Microsoft Store. The good news though is that the store accepts eCheck payments. You can also get gaming devices, computers, tablets, and other similar products from the store.
If you want to pay using eCheck, you need to log into your Microsoft Store account. Select the “Payment Options” tab which is found under the “Payment and Billing” tab. After this, select the “Add a payment option” tab and then select the “Bank Account” option. Here, add your name, your checking account number, your bank’s routing number, and address. After doing so, it is possible to pay for your products using an eCheck.
Buying Gift Cards Using eChecks
It is also possible to buy gift cards using eChecks. Gift cards are a great and efficient way of showing a person-it might be your friend, a family member, or a loved one, how much you value them. The best feature of the gift card is that it is possible to buy them on the internet. More good news is that you can do so using eChecks.
Below are some stores from which you can buy gift cards using eChecks.
Walmart
Walmart is one of the best-known stores in the United States. The store has very many branches which makes it very convenient for shoppers. Additionally, you can make your purchases at the store in person or you might decide to do so online. When it comes to buying gift cards at the store, you are not limited to buying only Walmart giftcards-you can buy gift cards from other stores or restaurants as well.
However, in order for you to buy a gift card from the store, you need to use a Walmart Money Card. In order to use the MoneyCard, you need to load the card with cash.
The good news is that you can load cash into your Walmart Money Card using an eCheck. The process is quite simple as all you need to do is select the “Add Money” option once you log into the Walmart website, then select the “Deposit a Check” option.
The system will take you through the rest of the process which is very simple.
However, this service is only available to people who have a Walmart Money Card as their preferred card.
Amazon
Apart from buying products from an online superstore, it is also possible to purchase gift cards. Below is the procedure that you should follow to pay for your gift card using the eCheck payment method? When you get to the Shipping and Payment stage of your gift card purchase process, select the “add a checking account” option.
Here, fill in your name, address, routing number, account number, and a government-issued Identification Number. After you have entered this information it is now possible to pay using an eCheck.
FAQ – Frequently Asked Questions
What is an eCheck?
An eCheck simply means an electronic check. One of the differentiating factors is that you send the eCheck through the internet. In order for any eCheck payment to be successful, you must have the required funds in your checking account to cover the payment. You will need to provide your name, your routing number, bank account number, and your address.
It is also important to note that eChecks do offer greater security measures than traditional paper checks. It is also processed faster than traditional paper checks.
Which is safer, eChecks or credit card?
One of the advantages of a credit card over an eCheck is the ability to dispute unknown charges. If you notice an unknown charge on your credit card, you have the right to dispute the payments and get refunds. In the case of an eCheck, the security and oversight responsibility is left to your bank. This means if the bank is not keen, some overcharges might occur.
Are eChecks faster than paper checks?
Electronic checks have many advantages over paper checks. First, eChecks are faster than traditional paper checks. Another advantage of eChecks over paper checks is that they are very difficult to forge thus making them very secure.
Do eChecks have a limit?
Another great feature of eChecks is that they do not have a limit. This means that you can make quite a large payment using this payment method.
Recap
Check payments have been the norm for a long time. Nowadays though, there are other methods of making online payments. However, one of the best yet overlooked methods of making a payment is eCheck. Electronic check payments are similar to traditional check payments with the only difference being that it is done electronically or over the net. Electronic checks are way much safer and faster than traditional checks.
The good news is that there are many online stores which accept eChecks payment without PayPal some of which we have highlighted above.
