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eCheck Online - Rates & Fees

Our ACH Account includes the following features:

  • Virtual Terminal to key-enter Checks By Phone or by Fax.
  • API/Gateway to process online checks via your web site.
  • Improved Cash Flow. Get access to funds within 48 hours.
  • Online reporting tool to track all your transactions.
Small Business Enterprise Specialty Risk
Activation Fee $0.00 $0.00 Review
License Fee $97 $197 $347
Monthly fee $49.95 $67 $97
Transaction fee* $0.00 ** $0.19 to * Review*
Discount Percent of Sales fees* 0% 0% Review*
Per Transaction Limit * * *
Limit on number of transactions No No No
Ability for customized Accept / Decline URL's Yes Yes Yes
Ability to void pending transactions Yes Yes Yes
Ability to override declined transactions Yes Yes Yes
Merchant settlement by pre-authorized paper drafts Yes Yes Yes
Optional Electronic Check Processing Settlement
(ECP - ACH Service) Option
Yes Yes Yes
Settlement by file Yes Yes Yes
Secure hosted payment/gateway page Yes Yes Yes
Ability to host secure payment/gateway page on your servers Yes Yes Yes
Batch / bulk file check processing Yes Yes Yes
Automated NSF Representment Yes Yes Yes
Customizable payment/gateway page Yes Yes Yes
E-mailed merchant new payment notifications Yes Yes Yes
Embedded shopping cart function Yes Yes Yes
Transaction fraud scrub Yes Yes Yes
Address / Telephone Verification Service Yes Yes Yes
Positive search on bank routing number Yes Yes Yes
Negative data scrub Yes Yes Yes
Positive real-time bank verification Yes Yes Yes
Ability to block consumer accounts Yes Yes Yes
Transaction history displayed Yes Yes Yes
Secure Merchant Utilities Access (admin / reporting) Yes Yes Yes
Download reports in plain text Yes Yes Yes
Advanced searchable reporting Yes Yes Yes
Ability for scheduled / prearranged payments Yes Yes Yes
Customizable payment/gateway page Yes Yes Yes
Developer's Package Yes Yes Yes
Virtual Terminal allowable Users 3 Unlimited Unlimited
Virtual Terminal Yes Yes Yes
API for Internet transaction processing Yes Yes Yes
API for Express Verification Service Yes Yes Yes

*Based on Underwriting and Volume.

**Includes 100 free transactions/month. $0.45 per transaction thereafter

There is No cost or obligation to find out how much you qualify for.


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