eCheckplan

• Range of Merchant Services
• eCheckplan Transparent Pricing Structure
• eCheckplan Encryption Technology
• eCheckplan Fraud Protection
• Simple User-Friendly Interface

Range of Merchant Services

eCheckplan offers a robust lineup of services designed to simplify and secure financial transactions for businesses of all sizes, including the following:

• eCheck payment processing — allows businesses to accept electronic check payments via websites, mobile apps, or telephone without any setup or monthly fees
• Credit card processing — includes competitive rates and a secure verification system to ensure each transaction is valid
• Check verification services — helps businesses confirm the authenticity of paper checks before accepting or depositing them
• Business incorporation support — guides customers through the legal steps needed to formalize or expand their operations

Behind these services, eCheckplan offers a dedicated account manager to assist with setup and ongoing needs, plus seamless integration via a powerful API that works with existing websites and apps. All clients benefit from 24/7 support through live chat, email, or phone to resolve issues swiftly. In addition, merchants gain access to rate negotiation that leverages the best possible interchange deals — a feature especially valuable for businesses with high payment volumes.

eCheckplan Transparent Pricing Structure

eCheckplan's transparent pricing structure is designed to be both straightforward and advantageous for businesses of all sizes. Customers benefit from the following:

• Free sign-up process
• No setup or monthly fees
• Pay-as-you-go model
• Low transaction fees

This pricing approach ensures that businesses only pay for what they use, avoiding hidden charges or complex tiered pricing that can often obscure the true cost of payment processing. In addition, eCheckplan’s pricing structure fosters trust, making it easier for customers to budget and plan without worrying about surprise costs.

eCheckplan Encryption Technology

eCheckplan’s encryption technology plays a crucial role in delivering secure, efficient, and user-friendly digital check processing services. As the digital counterpart to traditional paper checks, eChecks rely heavily on robust encryption methods to ensure every transaction is safeguarded from fraud and cyber threats. 

When a user initiates a payment via eCheckplan, the system uses encrypted channels and digital signature technology to authenticate user identities and protect sensitive banking information. This encryption is active throughout the transaction cycle — from authorization and check verification to final confirmation via the ACH network — making eCheckplan a reliable and secure platform for processing both domestic and international payments.

What sets eCheckplan apart is how seamlessly its encryption and verification protocols integrate into a streamlined user experience. Users can effortlessly set up an eCheck account with a free sign-up, identity verification, and rapid account activation — all within a system built with security at its core.

eCheckplan Fraud Protection

eCheckplan places a strong emphasis on fraud protection to ensure secure, reliable, and trustworthy eCheck transactions for businesses and its customers. Recognizing the growing risks in digital payments, eCheckplan has implemented multiple layers of defense that actively detect, prevent, and respond to potential fraudulent activity throughout the entire transaction cycle.

Some of eCheckplan’s primary fraud protection practices include the following:

• Multi-level verification — Every eCheck transaction begins with the payer authorizing the payment via a secure form (through the website, email, or phone), ensuring that only approved individuals can initiate payments.
• Digital signatures and encrypted transmissions — eCheckplan utilizes digital signatures and encrypted transmissions to protect the integrity and confidentiality of every transaction. This means sensitive data such as bank account numbers and personal details are shielded from interception or tampering.
• Account identity verification — During the onboarding process, eCheckplan confirms business credentials and verifies the individual’s identity before approving an eCheck account.
• Suspicious activity monitoring — eCheckplan flags potentially fraudulent behavior such as unusual transaction amounts or repeated failed authorization attempts. These alerts can trigger additional checks or pauses in processing to prevent losses.

By combining real-time verification, encryption, behavioral monitoring, and a secure onboarding process, eCheckplan offers a payment processing solution that’s not only fast and convenient but also highly resistant to fraud — providing peace of mind for both merchants and payers.

Simple User-Friendly Interface

eCheckplan’s user-friendly interface is designed to make digital check processing effortless for businesses of all sizes — whether you're a startup just starting out or a well-established enterprise looking for a simpler way to handle payments. From account setup to payment submission, the platform prioritizes clarity, speed, and ease of use, helping users complete tasks with minimal clicks and zero confusion.

The eCheckplan dashboard for both businesses and users is intuitive and neatly organized, allowing you to view your transaction history, manage clients, and initiate new payments without needing any technical know-how. Forms are streamlined and easy to navigate, whether you're filling out an eCheck request, verifying payment details, or uploading authorization documentation. In many cases, the system can even auto-fill fields using previously submitted information, further reducing manual entry and saving valuable time.

• Specific Rates and Fees Undisclosed
• US-Focused Service
• Dependence on Integration

Specific Rates and Fees Undisclosed

While eCheckplan’s transparent pricing structure includes a free sign-up process, a pay-as-you-go model, no setup or monthly fees, and low transaction fees, the company doesn’t provide specific rate structures, fees for individual services (like credit card processing), and terms may not be readily available online without contacting sales. This lack of fee information could be inconvenient for some businesses doing early comparisons.

US-Focused Service

eCheckplan primarily operates within the United States, so international businesses or those seeking global payment solutions may find the platform limiting.

Dependence on Integration

While the eCheckplan API is promoted as easy to use, businesses without in-house development support may need help integrating the payment gateway into their website or app, which could incur extra costs or delays.