ACH Transfers Digital Check Solution

Sending digital checks instantly and electronically online has never been easier with the Checkissuing Digital Check Platform. With Checkissuing’s end-to-end digital payment solutions, payees can deposit their emailed eChecks in just a few seconds. No more trips to the bank. Payors only need to know the Payee’s Name, Email, and Dollar Amount (no bank account info needed). If you send eChecks online instantly, there are no material or postage costs, as they are sent through email.

Checkissuing’s simple solution to send online check payments is changing the way individuals and businesses manage their check processing services and receive payments.

Effortless Digital Check Processing via ACH Transfers

Curious how digital checks work? With ACH Transfers, recipients can deposit digital checks electronically using their bank’s mobile deposit feature or by printing and depositing at an ATM or local bank. All that’s needed is the recipient’s name and email address—no banking details required. Our system is designed to bypass spam filters, delivering checks directly to inboxes. ACH Transfers simplifies digital payments and enhances your payment workflows with fast, reliable processing.

Our client dashboard is built for ease of use. ACH Transfers uses secure Plaid integration to authenticate bank accounts. Trusted by over 15,000 financial institutions across the U.S. Simply log in using your existing bank credentials via Plaid, or choose to verify using micro-deposits, which are confirmed the next business day. Either way, account setup is fast, secure, and seamless, allowing you to start sending digital checks without delay.

Need to send high volumes? Whether you're distributing dozens or thousands of digital checks, our platform supports instant bulk processing. You can track every payment in real time via our dashboard or connect directly through our API. ACH Transfers makes large-scale payment handling efficient, secure, and straightforward.

Online ACH Transfers Features

ACH Transfers differ from traditional methods because they can work with accounts that may not be ACH-enabled, such as Money Market Accounts, small banks, or credit unions.

Need to send multiple ACH Transfers at once, or want to issue a payment instantly? Upload a CSV file with the recipient’s name, email address, and amount, then click send or use our API to automate the process. ACH Transfers can be delivered quickly and efficiently via email, simplifying online payment distribution.

No Physical Address Required. Send ACH Transfers using only an email address.

Recipients receive their digital payments instantly in their inbox and can choose to deposit online, print the check, or convert it into a direct deposit. There’s no need for the recipient to register, sign up, or download any apps.

Use the Checkissuing API to automate a digital payment system that fits your business and customer needs. ACHTransfers.com makes sending payments online easy, secure, and efficient with powerful processing tools.

ACH Transfers Positive Pay Protection

Positive Pay is a fraud prevention process that works in coordination with your issuing bank to help safeguard your digital payments. It involves submitting a file to your bank containing key details—such as check number, issue date, and amount—of all issued digital checks. When a payment is presented, the bank compares the ACH Transfer details against the submitted data. If there’s a mismatch, the transaction is flagged and held for your review.

This process helps prevent fraudulent or altered ACH payments from being processed using stolen account information or modified checks. It also stops unauthorized edits to the amount or recipient details. Whether you're sending 10 or 100,000 payments, ACH Transfers provides a simple, efficient way to manage Positive Pay and protect your outgoing digital checks.

Automated or Manual Positive Pay File Upload – ACH Transfers supports both manual and automated file submission. You can upload your bank’s Positive Pay file format directly to our system, or configure it for automatic delivery to your financial institution. Files can also be downloaded for manual upload. Our digital payment infrastructure integrates seamlessly with your existing financial processes—boosting security, reducing risk, and improving operational efficiency.

Secure Encrypted Administration System for ACH Transfers

Our administration system and API provide a secure way to upload and process both bulk and single ACH Transfers. You can manage transactions, generate reports, set user permissions, and more, all from your desktop, tablet, or mobile device. From invoice approvals to scheduling ACH payments and running detailed reports, our dashboard gives you full control to process thousands of transfers with just a few clicks.

Upload CSV files using our Secure EV-SSL 128-bit encrypted file upload system, either manually through the dashboard or automatically via our modern API. ACH Transfers are sent using your preferred payment method, no need to log into separate portals, making the entire process streamlined and efficient. With enterprise-grade security verified through regular SOC audits, your financial data remains fully protected. Our digital payment platform is built for reliability and scalability, supporting secure ACH transaction processing for businesses of any size.

Checkissuing Digital Check White-Label System

Checkissuing can customize and white-label the entire digital check customer experience, including:

Text in email

Portal domain

Terms and Conditions text

Payment options

Email address

Check background image

# of times permitted to be downloaded.

Customizing and branding the process the customer goes through to honor the digital checks payment strengthens your branding and prevents the potential of any traffic leaks. Our digital payment solutions, also availanle through our Echecks brand, ensure a seamless and secure experience, reinforcing trust and consistency in your online check payments.

Tracking

Have full visibility on the following information in the form of timestamps:

When the digital echeck has been sent to the recipient.

When the echeck has been accepted by the recipient's email provider.

The sections of the echeck that were accessed and/or downloaded.

As well as location information on the area the digital echeck was accessed from.

Platform Integration, Payment Innovation

Over 92% of businesses still prefer to pay vendors and suppliers by check, even though check fraud targets over 70% of businesses. Checkissuing’s online digital checks service lets your customers go paperless, marrying all the familiarity of traditional business checks with the safety, speed, and security of modern digital payment solutions—all from within one combined business solution, with no postage costs. With our secure check processing services, businesses can confidently manage online check payments and reduce fraud risks.

Industries That Can Be Benefit From Using Digital Checks

Below are some of the industries that can benefit from Checkissuing’s ingenious and safe digital echeck solution:

Education

Using digital checks can greatly benefit schools, universities, and other educational institutions. Since electronic checks provide an efficient, safe, and faster way to process payments, they can help improve cash flow management while minimizing processing costs. Educational institutions can also use digital payment solutions to comply with the Federal Reserve Regulation and other industry regulations.

Real Estate

Most real estate transactions involve an excessive amount of money, and using conventional paper checks can be costly and time-consuming. An eCheck can be a convenient and quicker way to transfer funds. It also eliminates the risk of fraud. Title companies, property management companies, and real estate agents can benefit from Checkissuing’s online check payments service.

Retail

Brick-and-mortar stores, e-commerce companies, and other forms of retail businesses can also use digital checks to their benefit. Aside from being straightforward to use, eChecks can also help improve customer satisfaction and streamline check processing services for businesses of all sizes.

Finance

Credit unions, banks, and other financial institutions are now using electronic checks to reduce costs and streamline the processing of payments. Financial institutions can also leverage digital payment solutions to comply with industry regulations, such as the Check 21 Act, which enables the processing of checks electronically.

Government Agencies

Many local municipalities, tax authorities, and other government agencies are now using digital checks to ensure the efficient and secure processing of payments. Aside from ensuring government agencies comply with industry regulations, check processing services can also keep processing times to a minimum.

Healthcare Providers

Traditional paper checks can be a source of frustration for providers and patients, especially those that deal with complex payment systems. The use of electronic checks can help streamline the processing of payments and ensure everything is done quickly and efficiently. Using digital payment solutions in dental practices, hospitals, and insurance companies has undoubtedly been a massive game-changer.

Next-Generation Digital Payment Technology

Checkissuing provides you with the safest, easiest, and fastest way to send a check online—all you have to do is click “Send.” Your recipient’s digital check is instantly delivered! Our digital payment solutions, also known as echecks, combine everything you love about checks with the speed and ease of email.

We offer the perfect online check payments solution for enterprise businesses that execute a large number of eChecks each month:

Send hundreds, thousands, or hundreds of thousands of electronic checks in just seconds

Streamline processes, reduce costs, and improve cash flow management

Integrate quickly and easily into your current processes using our full-featured API and check processing services

For over 14 years, Checkissuing has been providing best-in-class digital payment solutions to both major and small businesses. Digital checks are the next evolution, offering security, control, ease, and flexibility unmatched by other popular payment methods.

Frequently Asked Questions

What is a Digital Check?

A digital check is sent electronically, which can be cashed the same way as standard checks, without the costs of USPS First-Class postage. Also known as an electronic check or echeck, digital checks are commonly used for bill payments, online purchases, and other electronic transactions. Using digital checks is also considered a secure and convenient way to transfer money from one bank account to another.

What are the benefits of using a Digital Check?

One of the primary benefits of using a digital check is it can be sent instantly without the costs of USPS First-Class postage. Using digital checks is also secure, convenient, cost-effective, and accessible. In essence, using digital checks can simplify the payment process significantly.

How can you send a Digital Check?

A digital check can be sent online over email to the recipient, who can cash it in an ATM with a bank teller or by using the bank’s image capture software on their smartphone. You just need to provide the payee’s name, email, and dollar amount for payment transactions.

How long does it take to deposit a Digital Check?

The time needed to deposit a digital check can vary depending on the recipient’s bank and policies. Typically, it can take a business day or two for the digital check to clear and for the fund to be successfully transferred to the recipient’s account.

Why is a Digital Check better than a paper check?

Digital Checks are similar to paper checks; only they can be sent to the recipient instantly. Digital checks are also more secure since they cannot be stolen or lost in transit. Plus, they are cheaper to process since there’s no physical cost for printing and mailing the check.

How are Digital Checks secured?

Digital checks are secured through authorization, authentication, and encryption. Typically, digital checks are stored in an encrypted and protected database to avoid modification or unauthorized access.

Why choose Checkissuing Digital Check Solution?

Checkissuings Digital Check Solution is a secure, instant way to pay your recipient at a low cost compared to paper checks. With Checkissuing’s digital check service, sending digital checks has never been easier!