eCheckPlan: A Smarter Way to Accept Secure Digital Check Payments

As businesses look for reliable alternatives to card and ACH payments, digital check solutions are gaining renewed attention. eCheckPlan is a U.S.-based payment platform designed to help businesses accept secure bank payments through legally compliant digital and electronic checks, fully aligned with Check 21 regulations.

Built for control, compliance, and flexibility, eCheckPlan empowers merchants to accept payments with fewer returns, greater transparency, and complete ownership of their transaction flow.

What Is eCheckPlan?

eCheckPlan is a digital check generation and payment platform that enables businesses to create Check 21–compliant substitute checks using an RCPO-based workflow. Unlike traditional payment processors, eCheckPlan does not rely on card networks or ACH rails.

Merchants generate checks digitally, verify bank details in advance, and retain full control by printing and depositing checks themselves. This approach reduces settlement uncertainty and provides a dependable option for industries that face processing limitations.

Core eCheckPlan Services

1. Digital Check Generation: Create legally valid digital checks through a secure virtual terminal. Checks are formatted to meet Check 21 requirements and can be used for one-time or recurring payments.
2. Virtual Terminal & Invoice Links: Accept payments remotely by generating checks via a virtual terminal or sending invoice payment links to customers, making it easy to collect payments without in-person interactions.
3. Substitute Check Creation (Check 21): All generated checks qualify as substitute checks under federal law, ensuring compatibility with standard banking and deposit processes.
4. Recurring Check Payments: Set up recurring payment schedules for memberships, subscriptions, retainers, and installment-based services—without relying on cards or ACH.
5. Bank Account Verification: Verify customer bank details before accepting payments to reduce failed transactions and payment returns.
6. Check Verification Tool: Use eCheckPlan’s built-in verification system to improve payment reliability and reduce risk before check generation.

Designed for High-Risk and High-Value Businesses

eCheckPlan is particularly effective for:

High-ticket transactionsRecurring billing modelsRestricted or high-risk industriesBusinesses seeking alternatives to card declines and ACH limits. By using digital checks instead of cards, merchants gain greater acceptance rates and long-term payment stability.

Why Businesses Choose eCheckPlan

• Check 21–compliant digital payments.
• No ACH or card dependency.
• Signature-free bank payments
• Lower payment return rates
• No setup or monthly fees
• Free website integration

Full control over funds and deposits. This combination makes eCheckPlan a practical and cost-effective payment solution for U.S. businesses and international companies operating in the U.S. market.

A Payment Solution Built for Control and Compliance

eCheckPlan bridges the gap between traditional paper checks and modern digital payments. By combining compliance, verification, and flexible payment tools, it delivers a stable alternative for businesses that need more control over how payments are accepted and processed.

Whether you are collecting one-time payments, managing recurring billing, or operating in a restricted industry, eCheckPlan offers a dependable, Check 21–aligned solution built for real-world business needs.