Accept ACH eCheck Payments
Increase United States checkout conversion with Authorize.net eCheck.Net
Allow eligible customers to pay directly from US bank accounts through the ACH network.
CartDNA can assist in determining whether Authorize.net eCheck.Net is compatible with your ecommerce and Shopify payment architecture.
Official Shopify App Store listing
Install Authorize.net eCheck.Net for your Shopify store
Open the official Shopify App Store listing, review the details, and install in a few clicks.
Fast setup. Secure install. Opens in a new tab.
Payment Method Details
Market Fit
Capabilities
United States focus
Strong local relevance for merchants targeting United States.
Standard coverage
Standard payment coverage without an additional assurance layer.
Other authentication
Uses a other flow to complete the customer payment step.
ACH and electronic bank account payments positioning
ACH and electronic bank account payments with strong domestic checkout fit for United States.
Accept ACH eCheck Payments
Increase United States checkout conversion with Authorize.net eCheck.Net
Allow eligible customers to pay directly from US bank accounts through the ACH network.
CartDNA can assist in determining whether Authorize.net eCheck.Net is compatible with your ecommerce and Shopify payment architecture.
Conversion insight
Why Authorize.net eCheck.Net can improve local checkout performance
A local payment method can remove hesitation at the final payment step. For merchants selling into United States, the gain is usually less about adding another button and more about matching buyer expectation, pricing context, and local checkout trust.
Market fit
United States
Designed for local checkout familiarity in United States.
Currency readiness
USD
Supports local pricing expectations and payment operations.
Checkout confidence
Standard
Built to reduce friction and improve payment trust at the final step.
Payment stack strategy
Local + global balance
The strongest setup usually combines a trusted local method with broader international coverage. For United States, that often means leading with Authorize.net eCheck.Net while keeping cards and PayPal available for wider buyer preference coverage.
Get started today
Ready to add Authorize.net eCheck.Net to your Shopify checkout?
Install Authorize.net eCheck.Net on ShopifyFast setup. Secure install. Opens in a new tab.
What Authorize.net eCheck.Net is
Authorize.net eCheck.Net is an ACH-based electronic check service for US businesses.
Authorize.net eCheck.Net is an ACH-based electronic check service for US businesses. Instead of using a credit or debit card, customers authorise a payment directly from an eligible US checking account. Merchants can process eCheck transactions through Authorize.net APIs, recurring billing, Virtual Terminal, invoicing and other supported gateway interfaces.
For Shopify and ecommerce merchants, eCheck.Net's value depends on whether the business is eligible for US ACH processing and whether customers are willing to pay directly from a bank account rather than a card.
US ACH bank payments
Customers pay directly from an eligible US checking account instead of a card.
Recurring billing support
Automated Recurring Billing supports scheduled eCheck payments.
Multiple integration routes
API, Virtual Terminal, payment links and invoicing are all supported.
Why Authorize.net eCheck.Net matters
ACH can reduce reliance on card payments and can be particularly useful for recurring billing, B2B payments, invoices and higher-value transactions.
Lower-cost alternative to cards
ACH can be more economical than card processing for higher-value transactions.
Strong recurring billing fit
Subscription and membership businesses can utilise scheduled ACH debits.
Supports B2B and invoicing
CCD transactions and invoicing support business-to-business payment flows.
Different risk profile than cards
ACH transactions can be returned after submission, so fulfilment and reconciliation processes need to account for this.
How Authorize.net eCheck.Net works
eCheck.Net combines a separate merchant application with ACH-specific authorisation and processing steps.
Apply for eCheck.Net
The merchant submits a separate eCheck application and completes Authorize.net underwriting.
Obtain ACH authorisation
The customer authorises the merchant to debit the relevant US bank account under applicable ACH rules.
Submit the eCheck transaction
The merchant sends the bank-account payment through Authorize.net's API, Virtual Terminal or another supported interface.
Authorize.net sends the ACH entry
The eCheck transaction is processed through the US Automated Clearing House network.
Monitor settlement and returns
The merchant tracks funding, returns, Notices of Change and chargebacks through Authorize.net reports and transaction tools.
Reconcile merchant funding
Cleared funds are deposited to the merchant's configured bank account according to its eCheck risk and funding settings.
When to use Authorize.net eCheck.Net
eCheck.Net is most beneficial for eligible US merchants wanting ACH bank payments alongside card acceptance.
Ideal scenarios
- US ecommerce merchants
- Subscription businesses
- B2B invoice payments
Not ideal
- High-risk sectors where chargeback exposure is a primary concern
Merchant considerations
eCheck.Net should be evaluated for eligibility, risk and operational fit before rollout.
US-only ACH product
eCheck.Net is a US ACH payment product and customers need an eligible US bank account.
Separate application required
Merchants must separately apply and be approved for eCheck.Net.
Authorisation must be retained
ACH authorisation must be obtained and retained, generally for two years.
Returns can occur after submission
Transactions can be returned after submission; chargeback and return fees may apply.
Limits are merchant-specific
Per-transaction and monthly volume limits are merchant-specific and set during underwriting.
Funding timing varies
Risk reserves and fund-holding periods may apply depending on the merchant's risk profile.
Shopify support needs verification
Authorize.net has a Shopify integration, but public documentation does not confirm eCheck.Net as a supported Shopify checkout tender.
Compare Authorize.net eCheck.Net with common alternatives
Authorize.net eCheck.Net is the best choice when local checkout fit in United States matters more than generic international coverage.
Integration pathway
Enable via your processor
Add the method through your payment service provider or processor configuration.
Connect it to Shopify checkout
Configure the Shopify-compatible payment flow so customers can see the method at checkout.
Optimise with CartDNA
Use CartDNA to prioritise local relevance, compare payment fit, and improve checkout performance.
Frequently asked questions about Authorize.net eCheck.Net
What is Authorize.net eCheck.Net?
Does eCheck.Net support recurring payments?
Do customers need a US bank account?
Does eCheck.Net support refunds?
Can eCheck transactions be returned?
Does eCheck.Net have chargebacks?
Does Authorize.net support eCheck tokens?
Does eCheck.Net support business bank accounts?
How long does eCheck settlement take?
Does Authorize.net eCheck work with Shopify?
Is there a public eCheck API?
Increase United States conversions with Authorize.net eCheck.Net
Enable local payments and reduce checkout drop-off.
Authorize.net eCheck.Net can enhance checkout fit for eligible US merchants when used in the right commercial and operational context. CartDNA assists merchants in deciding which payment methods to prioritise, how to localise checkout, and where payment method expansion is likely to improve conversion. Start optimising in minutes with your existing Shopify setup.