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How eCheck Works
Step 1A buyer initiates an electronic check transaction, with authorization to charge their bank account, via website, non-swipe mobile app or mail order/telephone order.
Step 2Order and payment information is securely transmitted via the Internet to the eCheck processing Payment Gateway. The transaction is accepted or rejected based on initial data validation and security criteria defined by the payment gateway.
Step 3If accepted, eCheck processing formats the transaction information and sends it as an ACH transaction to its bank (the ODFI) with the other electronic check transactions received that day.
Step 4The ODFI passes the transaction information to the ACH Network for settlement. The ACH Network uses the bank account information provided with the transaction to determine the bank that holds the buyer's account (the RDFI).
Step 5The ACH Network instructs the RDFI to charge or refund the buyer's account (the buyer is the Receiver).
Step 6The RDFI passes funds from the buyer's account to the ACH Network. The RDFI also notifies the ACH Network of any returns (in the event that funds for a transaction could not be collected from the buyer's bank account) or chargebacks (in the event that a buyer disputes a purchase). In the event of a returned transaction, eCheck processing will post the return to the seller.
Step 7The ACH Network relays the funds for the transaction to the ODFI (eCheck processing bank).
Step 8The ODFI passes any returns to eCheck processing.
Step 9After the holding period, eCheck processing initiates a separate ACH transaction to deposit eCheck funds to the seller's bank account.
Working Days/Hours: Mon to Fri 9.00 AM to 4.30 PM (PST)
Please note that all our orders are filled and shipped from approved fulfillment centers around the world including, but not limited to Singapore, Italy, Israel and the United States. The items in your order may be filled and shipped from any one of the above jurisdictions. The products are sourced from various countries as well as those listed above.