While they might not be popular as the digital payment methods, eChecks are becoming increasingly popular in the e-commerce sector with over 6 to 8 consumers making eChecks payments monthly.
Usually, PayPal is the service that facilitates eCheck payments when it comes to using it for online payments—but you can still get around PayPal to make the payment directly.
So in today's guide, I'll be showing you the online stores that accept eChecks without PayPal.
What To Know About Online Stores That Accept eChecks Without PayPal
An e-check, also called an electronic check, is a digital form of a traditional check that can be used for making payments online.
e-checks use the Automatic Clearing House (ACH) for making debit payments from the checking account to which they are issued into the retailer's business bank account.
Online stores that accept e-checks without PayPal might accept them either directly, through a bank transfer (using routing and account numbers) or through a call to the customer service which will guide you in mailing them the e-check.
Always read the online shop's terms and conditions, and payments FAQs pages to understand more about how to better make them e-check payments.
8 Best Online Stores That Accept eChecks Without PayPal
If you prefer to pay with eChecks without using PayPal, you'll still find many online stores that accept this traditional payment method directly.
It doesn't matter whether you don't have a PayPal account or simply prefer to pay with eChecks directly, here are some online stores that accept eChecks without PayPal:
- Amazon (Bank transfer).
- Walmart (Bank transfer).
- Target (Bank transfer).
- Wayfair (Pay by check).
- Cabela's (Phone call).
- Foot Locker (Bank transfer).
- Milanoo (Bank transfer).
- B&H (Phone call).
Let's see how each of these stores accept PayPal.
1. Amazon
Amazon is the world's leading online retail giant, focusing on e-commerce, cloud computing, and online advertising, among other services.
Almost everybody has bought something from Amazon — according to Businesswire, over 92% of online shoppers in the U.S. have used Amazon.
If you're someone who shops frequently at Amazon and you got an e-check, then, you'll be happy to know that Amazon is one of the best online stores that accept eChecks without PayPal.
However, that is only possible through bank transfer.
To pay at Amazon using eCheck without PayPal;
- Shop your favorite product and proceed to checkout.
- At the Shipping & Payment section of the checkout stage at Amazon, select the "Add a checking account" option.
- Now, enter your routing and account number together with your name, address, and driver's license or state ID number.
- Complete the payment and get your item delivered.
2. Walmart
Walmart is a well-known American multinational retail giant that operates a chain of grocery stores, supercenters (also called hypermarkets), department and discount stores, and neighborhood markets.
Being a direct competitor to Amazon doesn't come like that — you get many things including; family apparel, health, and beauty aids, home furnishings, sporting goods, jewelry, and housewares among others at Walmart catalogs at affordable prices.
Walmart was one of the first online stores that started accepting eCheck payments, which are processed by the Certegy PayNet platform (designed for managing customer-not-present transactions), and you'll be happy to know that you wouldn't need a PayPal account to pay at Walmart with your eCheck.
All you'll need to do is add your checking account to your Walmart profile.
3. Target
Target is another American retail giant that is popular among online shoppers specialized in selling a variety of food, household goods, clothing, and electronics.
Target is another great online store that accepts eChecks without PayPal through your checking account.
However, you'll be limited to using your checking account (eCheck) when looking to buy gift cards and wholesale items.
4. Wayfair
Wayfair Inc. is an American e-commerce company that provides customers with a one-stop shopping experience that lets them purchase home goods, furniture, and appliances online.
Wayfair also accept eChecks without PayPal since it allows you to pay with your check directly or through a bank transfer.
Keep in mind, however, that, Wayfair holds check payments for 15 days from the time the check is received to allow for the check to clear and also to prevent fraud.
5. Cabela's
If love camping and wildlife, then, you've certainly come across Cabela's merchandise for gearing up your hunting skills.
Cabela's is an American retailer that focuses on quality hunting, fishing, camping, recreational shooting, and outdoor gear at competitive prices.
Cabela's is accepts eChecks without PayPal, but for this to be possible, you'll need to call Cabela's customer service at (800) 237-4444 to set up an electronic check payment.
6. Foot Locker
If you're an athlete looking for an online store to get some top sneakers and other sportswear then pay with your eCheck, then Foot Locker is the ideal option for you.
Foot Locker is a leading American retailer that focuses on athletic footwear and sportswear and has around 3,000 stores in operation worldwide with a headquarters in New York City, United States.
Foot Locker accept eChecks without PayPal through bank transfer—you'll need to add your checking account to Foot Locker and use an eCheck.
7. Milanoo
Milanoo is a Chinese discount online clothing retailer that sells everything from wedding dresses to women's clothing to shoes and handbags.
Just as many stores on this list, Milanoo accepts eChecks without PayPal through bank transfer.
With that said, you'll need to use your checking account at Milanoo at the checkout stage to pay with eCheck through it.
8. B&H
If you're on the lookout for a photo and video equipment retailer that accepts eChecks, then B&H is a retailer you'd surely love.
B&H Photo Video (also known as B&H Photo and B&H and B&H Foto & Electronics Corporation) is an American photo and video equipment retailer founded in 1973, based in Manhattan, New York City.
To use your eChecks without PayPal on B&H, you'll need to call their customer service for instructions on how to pay with your check.
Jewelry Stores That Accept eChecks
Many Jewelry stores accept eChecks directly and that includes some in your location. That said, here's a list of some of the popular options you should expect to see:
- Agalil Online Jewelry Store
- James Allen
- JM Bullion
- Classic Diamond House
Is An eCheck The Same As A Regular Check?
eChecks are more like regular checks, however, the main difference between them is that regular checks require the use of a checkbook meanwhile with an eCheck, you'll only need to provide payment information through an eCheck authorization form.
Can You Bounce An eCheck?
Yes, eChecks can be bought when the payment information isn't entered correctly.
Is An eCheck The Same As A Wire Transfer?
No eChecks are not the same as Wire transfers.
eChecks use an Automated Clearing House (ACH) for debiting payment amounts from a checking account while Wire transfers typically involve the transfer of funds from one bank account to another.
Frequently Asked Questions
Can I use an electronic check at Walmart?
Yes, you can use an electronic check at Walmart as the retail giant accepts e-Checks through Certegy Inc who processes the payments.
How are eChecks verified?
Payment processors use powerful tools to confirm identification information, bank account number, bank account status, and sufficient funds to verify eChecks.
Will an e check clear with insufficient funds?
If there are not enough funds on an e-Check at time of payment, the e-Check would be declined after processing.
Does Amazon accept eChecks?
Yes, Amazon does accept eChecks through checking accounts.
How do I transfer money using eCheck?
Provide the e-Check's payment details in the form when looking to send money to a seller and then complete the payment. If everything goes well, the money will be transferred from your bank account to the sellers business bank account.
Final Thoughts
Online shopping is continuously gaining traction nowadays.
While most online stores accept bank payments through bank cards, there are a couple of online retailers that accept eChecks as payment method.
Since most of these stores accept eChecks through PayPal, finding one that accepts eChecks without PayPal can be quite a hassle.
Thankfully, this guide compiles the best online stores that accept eChecks without PayPal directly, through bank transfer, or through phone call.