Accept Checks Online

If credit cards are the only payment method you offer on your Web site, you might be turning away customers who prefer paying by check.

Many merchant account providers (MAPs), which process credit card payments, offer some form of Electronic Fund Transfer(EFT) or e-check payment as well. Charge.com is one of these MAPs, offering free e-check acceptance setup when you acquire a merchant account through them.

PayByCheck.com

PayByCheck.com pioneered Internet check cashing and provides a full service approach that requires less technical expertise than the other options. PayByCheck hosts your payment page, prints checks and sends them to you in the mail, screens for fraud and, for a fee, collects on returned checks. For greater security, payment information is entered on a Web page hosted on servers located in a bank. An online gateway allows merchants to monitor and analyze check activity.

eCheck.Net

eCheck.Net is a NETSolutions payment service that allows online and traditional merchants to accept and process electronic check payments -- either directly from their Web site's storefront or through the Authorize.Net Virtual Terminal.

eCheck.Net makes it easy for online businesses to add an electronic check payment option to their Web site. Customers who wish to pay for a purchase with an electronic check can simply select the electronic check option and enter the requested bank account information. eCheck.Net encrypts the data using the same SSL 3.0 encryption technology as Authorize.Net and transmits it to the secure server for posting. Transactions are automatically settled each day. Then, the system debits the consumer's account via the Automated Clearing House (ACH)* and transfers the funds to the merchant's account. If the account numbers are entered incorrectly or the account has insufficient funds, the eCheck.Net system notifies the merchant.

Traditional merchants without commerce-enabled Web sites can also use eCheck.Net to handle periodic billings. Businesses such as health clubs, tanning salons, subscription services, ISPs, membership companies, and health care practitioners are typical examples of businesses that need the ability to periodically deduct funds from their customers' checking accounts. Of course, customer approval is always recommended, and merchants must sign a separate eCheck.Net ACH agreement to perform these types of transactions.

Valid Pay

Being able to accept checks and credit cards is important because it gives potential customers a choice when ordering from you. The more choices you can give them, the more sales you will have. Basic charges are as follows:

$4.95 monthly minimum
$29.95 One-time setup.
Free Secure Order Page
FREE Remote Printing Software
NO percentage fees
$0.99 Transaction Fee

Once you sign up they supply you with easy-to-set-up links that you can paste into your site. You have two options when it comes to collecting your money: You can download their free software and print out your own checks, or opt for them to mail your checks twice a month (for an added fee of 36¡Ë per transaction).

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