Card fees are a percentage, so every time your ticket goes up, the fee goes up with it. Sell something for $10,000 and about $290 disappears into credit card fees just for processing the payment. eChecks charge a flat $0.75. The ticket can be $500 or $50,000 — the fee doesn't move.
The fee stops growing. The ticket doesn't.
Card processing at 2.9% + 30¢, next to eCheckOnly's flat $0.75:
| Ticket | Card fees | eCheck | You keep |
|---|---|---|---|
| $500 | $14.80 | $0.75 | $14.05 |
| $2,000 | $58.30 | $0.75 | $57.55 |
| $10,000 | $290.30 | $0.75 | $289.55 |
On a $10,000 sale, cards take $290.30 — nearly a third of a thousand dollars, gone. The eCheck costs less than a candy bar. And our pricing is exactly this: $0.75 flat on tickets over $200. We put you on the rate that saves you more; you never pick a plan.
Where it fits best
- Professional services — agencies, consultants, legal, accounting
- Wholesale and distribution — large orders, repeat buyers
- Contractors and home services — project deposits and final payments
- Big-ticket retail — furniture, equipment, specialty goods
The pattern: anywhere a percentage fee eats real money. If your average ticket is over $200, you're on the flat $0.75 rate — and the bigger the ticket, the bigger the win.
Handling the "is this legit?" moment
Some sellers worry customers will balk at entering bank details. In practice, they don't — because they already do it constantly. They pay vendors by bank transfer. They pay utilities and taxes from their checking account. They've written paper checks with the same numbers printed right on them.
What you're asking for is familiar: routing number, account number, done. The entry happens through an encrypted checkout, the payment runs through the regulated ACH network under Nacha rules, and settlement takes the usual 2–3 business days. And you can always keep cards as an option — the customers who choose eCheck are the ones saving you money.
Frequently asked questions
QIs it safe to ask customers for their bank details?
Yes. Customers enter routing and account numbers through an encrypted checkout — the same numbers printed on every paper check. Payments run through the regulated ACH network under Nacha operating rules, and the data never sits in your inbox or on paper.
QWhat if my customers hesitate to pay by bank transfer?
Most don't — they already pay vendors, utilities, and taxes by bank transfer every day. Keep cards as an option and let customers choose; the ones who pick eCheck save you the card fee each time.
QHow fast do I get paid on a high-ticket eCheck?
Typically 2–3 business days, the same as any ACH payment. On a multi-thousand-dollar sale, that's the same settlement window as cards — at a tiny fraction of the cost.
QDo customers need a special account to pay by eCheck?
No. Any standard U.S. checking or savings account works. They enter the routing and account numbers they already have — nothing to sign up for, nothing to download.
QCan I keep accepting cards alongside eChecks?
Absolutely. Most businesses offer both. Present eCheck as the default or encouraged option and keep cards for anyone who prefers them — every sale that moves to eCheck protects your margin.
Where else eChecks win
High-ticket sales is one of three places cards overcharge the most. The others: recurring billing and B2B invoicing.
Start accepting eChecks
Tell us your average ticket and monthly volume — we'll confirm your details and get you live in days.
Apply now