Frequently Asked Questions

eCheck processing allows businesses to accept electronic checks securely online, by phone, or mail. Funds are transferred directly between bank accounts through the ACH network, providing a cost-effective alternative to paper checks and credit cards.

Yes, Virtual Check uses bank-level encryption and our proprietary CheXshield verification system for comprehensive fraud prevention. Every transaction is verified against multiple databases in real-time to protect both merchants and consumers.

Virtual Check makes it easy to get started with secure eCheck processing. After your account is set up and your bank account is linked, you can begin accepting payments with real-time verification through a streamlined, business-ready platform. If you need assistance, our team is available to support you throughout setup and ongoing processing.

Log in to your Virtual Check dashboard, enter payee details, set the amount, and send your eCheck securely. Transactions typically settle within 1-3 business days, and you can track every payment in real-time from your dashboard.

ACH processing is the electronic transfer of funds between bank accounts through the Automated Clearing House network. An eCheck is a specific type of ACH payment that serves as a digital alternative to a paper check. Put simply, ACH is the network, and eCheck is one type of payment processed through it. While all eChecks are ACH transactions, ACH also includes other payment types such as direct deposit and bill payments.

Our pricing is transparent with no hidden fees. Plans start with a low monthly fee plus a small per-transaction rate. Setup fees vary by plan. Visit our Pricing page for a full breakdown or contact our sales team for a custom quote.

Standard ACH and eCheck transactions settle within 1-3 business days. Expedited settlement options may be available depending on your plan and processing history. Same-day ACH is supported for qualifying transactions submitted before the daily cutoff.

Yes. Unlike many processors, Virtual Check specializes in high-risk merchant accounts. Our eCheck product is purpose built for industries that traditional card processors decline, including CBD, firearms, adult entertainment, online gaming, and more.