Process eCheck payments

Electronic checks are an ideal digital payment option for recurring transactions, bill payments, and contactless payments.
Paper notes are a trusted payment method that has been around for more than a centenary. While the demand for checks has waned over the years, multiple people still use personal checks as their preferred form of payment. They make sense in some cases–mortgage payments, donations, utility bills, etc. But physical checks pose an unusual problem in the current contactless ecosystem. Not to mention, the amount of time needed to process and clear funds.
The good news is that you have options. eChecks can help provide a secure environment for your clients while improving your company processes.

What is an eCheck?

SPMS eCheck payment service allows companies to accept electronic check payments for goods and services bought via mail order, telephone order, eCommerce websites, or subscriptions.

An electronic check works much like a routine check, only instead of using a paper check to give their bank account, routing number, and payment permission, customers provide payment information through an eCheck permission form, enabling you to process the information electronically.

Benefits of eChecks

How do eChecks work?

  1. Electronic checks are processed via the ACH (Automated Clearing House) system.
  2. A buyer provides their bank account data (bank routing and account number) for processing.
  3. Using the buyer’s bank account data, an electronic request is made to charge the buyer in the amount of the purchase.
  4. SPMS receives the electronic demand and stores the transaction in the “batch” with your other transactions for the day.
  5. At the end of each business day, a request is submitted to the buyer’s bank through the Automated Clearing House (ACH) to charge that special buyer.
  6. The eCheck system waits for the result of the transaction from the bank. This process usually takes two to three (2-3) business days.
  7. The funds are transferred (EFT) from the buyer’s bank and deposited into your business bank account.
  8. Your eCheck account balance is modernized depending on the outcomes of the transactions.


The Automated Clearing House (ACH) System is an electronic system serving than 10,000 financial institutions to facilitate financial transactions in the United States. The ACH Network actually acts as a financial hub and helps people and organizations move money from one bank account to another. ACH transactions consist of direct deposits and direct payments, including business-to-business (B2B) transactions, government transactions, and consumer transactions.

eCheck Pricing

eChecks are billed separately from your monthly gateway fee. eChecks are billed on a per transaction bases of .75% of the transaction price.

Included plan features

Advanced Fraud Detection Suite™

Identify, manage, and prevent suspicious and potentially costly fraudulent transactions with our Advanced Fraud Detection Suite™ (AFDS).

Automated Recurring Billing™

Automated Recurring Billing™ (ARB) is a convenient and easy-to-use tool for submitting and managing recurring, or subscription-based, transactions.

Simple Checkout

Create "Buy Now" and "Donate" buttons for your website simply by copying/pasting our code.

Customer Information Manager

Tokenize and store your customers' sensitive payment information on our secure servers, simplifying your PCI DSS compliance and the payments process.


Send an invoice to anyone with an email address. Invoicing is perfect for businesses that need to send simple, no-hassle invoices.