The online check (eCheck) payment option is provided for customers who do not have access to a credit card or online check account. This option allows US based customers to transfer funds directly from their bank account to 2Checkout. Because this option is only available for US based customers, we provide international customers with the option to make bank transfers by FX Source wire transfer.

It is important to note that online checks are one time payments and cannot be used to pay for recurring products.

Online check orders are handled differently from any other payment option and can take up to 10 business days to deposit. Because of this, our purchase routine handles online check orders differently. If a customer elects to pay by online check they will be sent back to the Pending URL instead of the Approved URL. This will allow you to provide instructions for the customer that they can follow after the check has cleared. If no pending URL is setup in your account the customer will be directed to our order processed page that explains the deposit process to the customer.

When an online check order goes through both the supplier and customer are notified by email. As with any other payment option, the supplier will not be assessed a transaction fee until the payment deposits. If the check clears the bank, the suppliers account is assessed the standard 5.5% and $0.45 per transaction. If the check does not clear the bank, the supplier does not pay the 5.5% or the $0.45 transaction charge.

Since their is no guarantee the online check will clear and the deposit time will vary from bank to bank, 2Checkout provides our suppliers with the ability to receive order status notification by using our Instant Notification Service. This will allow the suppliers site to be notified when the order deposits or is canceled. If a supplier has opted in, the message type “Invoice Status Changed” will be sent to their script to notify them of any changes in the orders status.