Electronic Check Processing
CheckAlt’s eChecks enable businesses to accept electronic check payments over the Check 21 rails instead of ACH in order to accelerate funds’ availability, reduce processing costs and increase customer satisfaction by providing a more transparent payment experience.

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   How eCheck Works




  • CheckAlt’s eCheck API easily integrates into your existing website or mobile application.
  • Your customer enters his or her bank and account information to submit a payment.
  • CheckAlt creates a digital check, including front and back images, using the corresponding payment data.
  • CheckAlt converts the digital check into an x9.37 file and delivers it to your bank for processing.
  • The item clears overnight and funds are available in your account the morning of the next business day.


Benefits to Businesses

  • Accept eCheck payments online.
  • Next-day clearing of payments made before daily cut-off time.
  • Inexpensive payment processing.
    • Up to 6 lines of customized data to improve visibility and reduce disputes.
    • Integration support and assistance from the CheckAlt technology team.