How to Create a Website With Electronic Checks

Electronic checks are an often-overlooked online payment option. If you have a product to sell online, you need a website that accepts digital payments. Credit and debit card vendors are an obvious choice, but another choice that web masters sometimes forget to offer customers is electronic checks. Paying with an electronic check requires providing a checking account and routing number. The check is processed electronically rather than needing to be physically deposited into a bank account.

Difficulty:Moderately Easy1

Go to a website that offers electronic check payment options. Three solutions are PayByCheck.com, Authorize.net and iCheckGateway.com. These websites will process payments and deposit the money into your bank account, for a fee. There is a set-up, monthly and per-check fee to be paid. The payments, as of December 2010, are: PayByCheck.com, $149.95 (start-up), $19.95 (monthly) and $0.50 (per check); Authorize.net, $99.00 (start-up), $20.00 (monthly) and $0.10 (per check); iCheckGateway.com, $49.95 (start-up), $19.95 (monthly) and $0.45 (per check).

2

Click "Apply" or "Sign Up." Enter your business information, such as your name, the business's name, tax ID, address (physical and mailing) and contact data.

3

Pay for the start-up fees (with credit, debit or check). Copy the code given to you and insert it in into your website ("CTRL+C" to copy and "CTRL+V" to insert). This code creates a payment page for your customers. Whenever someone pays for your product via electronic check, the payment will go through the processor.