eCheckplan: Overview

eCheckplan is a payment service provider based in the U.S., located in Clearwater, Florida. It specializes in helping businesses accept electronic check (eCheck) payments through the ACH network. This process avoids the usual difficulties that come with setting up merchant accounts or integrating payment systems. eCheckplan emphasizes low-cost processing, quick onboarding, and no ongoing fees. It presents itself as an easy option for businesses that want to add digital check payments to their checkout, invoicing, or recurring billing processes.

Why Choose eCheckplan?

1. Cost‑Effective Pricing

• No setup fees, no monthly fees: eCheckplan offers a transparent cost structure designed to reduce friction for new merchants.

• Competitive transaction rates: While exact pricing is not publicly listed, industry commentary suggests that eCheckplan provides eCheck transaction fees that are significantly lower than those of credit card processors.

• Ideal for high‑value transactions: Since ACH typically costs less than card swipe fees, businesses handling large amounts benefit from reduced transaction costs.

2. Fast Setup & Merchant Account Approval

• Streamlined onboarding: Businesses can be onboarded quickly with minimal documentation.

• Instant approvals for many merchants, including those in higher-risk industries, thanks to eCheckplan’s flexible underwriting approach.

3. Built-in eCheck Verification & Fraud Prevention

• eCheckplan includes bank account verification tools to validate customer bank details before processing, reducing chargebacks and returned payments.

• Low dispute windows and enhanced oversight help minimize transaction risk.

4. Dedicated Customer Support

• 24/7 customer support, accessible via email or phone, ensures merchant success from day one.

• Many businesses benefit from personalized assistance through dedicated account managers who support onboarding, integration, and troubleshooting.

Core Features

eCheck Payment Processing

• Accept digital checks online, via invoice, or over the phone.

• Leverage the ACH network to process funds securely and directly from customer bank accounts.

Seamless Integration Options

• APIs enable custom integrations with powerful payment automation capabilities.

• Built‑in compatibility with common e‑commerce platforms and accounting tools streamlines deployment:

  • Shopify, WooCommerce, Magento, BigCommerce

  • QuickBooks, FreshBooks, Xero

  • Salesforce, HubSpot, Zoho CRM

  • Mailchimp, DocuSign, MemberPress

Recurring/Billing Functionality

• Ideal for subscriptions, B2B billing cycles, membership dues, or any recurring payment model.

• Customers can authorize recurring eCheck debits, reducing administrative workload and improving collection predictability.

Multi‑User and Team Access

• Multiple user accounts with role-based permissions enable team collaboration and controlled access.

• Admins can manage user access and track payment activity across team members.

Reporting & Dashboard

• Integrated tools provide real-time transaction visibility.

• Exportable reports and analytics simplify bookkeeping and reconciliation.

Benefits for Businesses

Lower Transaction Costs

• ACH-based processing offers significantly lower per-transaction costs compared to credit and debit card processing.

• No recurring fees mean greater predictability and control over payment expenses.

Improved Cash Flow & Payment Efficiency

• ACH transfers typically settle in 1–3 business days, enabling better liquidity management.

• Automated invoicing and recurring billing streamline receivables and reduce manual workload.

Reduced Fraud & Dispute Risk

• Bank account verification helps catch invalid or fraudulent entries before processing.

• ACH payments are subject to lower chargeback risk than card payments.

Inclusive Payment Option

• Enables payments from customers who prefer or only have access to bank accounts rather than credit or debit cards.

• Useful for improving conversion rates in B2B, subscription-based, or nonprofit payment models.

Eco‑Friendly and Operationally Efficient

• Reduces reliance on paper checks and postage.

• Minimizes manual labor involved in check processing and deposits.

Summary

eCheckplan provides a simple, fast, and affordable solution for businesses to accept ACH eCheck payments. There is no complicated setup, ongoing fees, or high transaction costs. With quick merchant approval and smooth integrations, eCheckplan also offers tools for recurring billing and fraud prevention. It is perfect for businesses that want to update their payment processes and lower processing fees.