Verify and accept
eChecks securely
Take electronic checks online, by phone, or by mail — verified in real time and deposited to your bank within one business day. Starting at $29.99/mo.
99% approval rate · Next-day funding · Same-day setup
First Ridge Bank
Electronic check · No. 1042
Date
Today
Pay to the order of
Sterling Ridge
$2,450.00
Two thousand four hundred fifty and 00/100 dollars
Routing
⋯⋯1234
Account
⋯⋯5678
Authorized signature
Today
Check accepted
Today
Verified instantly
Tomorrow · 9:00 AM
Funds deposited
From bank details to deposit
in one business day
Enter bank details
Your customer provides their routing and account number — online, by phone, or through a payment link. No paper, no postage, no trips to the bank.
Instant verification
Sterling Check verifies the account and flags bad or closed accounts in real time — before the check is ever accepted. That's how our merchants cut returned checks by 63%.
Settlement & deposit
The eCheck is processed electronically and funds are deposited to your bank account within one business day. No holds, no waiting on the mail.
Every tool you need
to get paid by check
Virtual Terminal
Key in checks taken by phone, mail, or fax from any browser.
Real-Time Verification
Catch closed and invalid accounts before you accept the payment.
Payment Links
Send a secure link and let customers pay from any device.
Bulk CSV Upload
Process hundreds of checks at once from a single spreadsheet.
Recurring Billing
Automate weekly, monthly, or custom check payment schedules.
Stored Payment Methods
Vault customer bank details securely for repeat billing.
Email Invoicing
Invoice by email and get paid online — no more chasing checks.
Cart & API Integrations
Connect your shopping cart or build custom flows with our API.
Signature Capture
Collect and store customer authorization signatures digitally.
Capture Authorization
Documented, compliant proof of authorization on every payment.
Avoid expensive credit card fees
Card processing eats 2.9% or more of every sale — on a $5,000 invoice, that's $145 gone. eChecks typically cost under 2%, and often a simple flat fee. For invoices, rent, retainers, and high-ticket sales, the savings compound every single month.
Save up to 2% per transaction
Enjoy 99% approval rates
Turned down for card processing? eCheck accounts are approved for nearly every business type — including high-risk industries and merchants with prior terminations. Most accounts are set up the same day you apply.
99% approved same-day setup
Works with the tools you already use
WooCommerce
Shopify
WordPress
NMIand many more...
Simple plans,
no surprises
No setup fees. No cancellation fees. No reserve. No transaction limits. Verification on your first check is free — pick the plan that fits your volume today and upgrade whenever.
Business
$29.99/mo
Everything you need to start accepting checks online.
- Same and next-day deposits
- No setup or cancellation fees
- No reserve required
- No transaction limit
- Hosted payment page
- Recurring payments
Pro
Most popularCustompricing
For growing teams that automate collections at scale.
- Everything in Business
- Payment links
- Bulk CSV upload
- Stored payment methods
- Full API access
Enterprise
$100k+/mo volume
Dedicated infrastructure for high-volume operations.
- Unlimited checks
- Advanced verification
- Manual entry
- Bank balance confirmation
- Dedicated support
Years in business
Dollars processed
Transactions verified
Saved on postage
Get paid today!
Stop waiting for checks in the mail.
Every paper check is postage paid, days waited, and a trip to the bank. Sterling Check turns all of that into a next-day deposit.
Funds deposited within one business day
Real-time verification — 63% fewer returned checks
Save up to 2% versus credit card fees
No setup fees, no reserve, no transaction limits
Accept checks online
in 60 seconds or less
Tell us about your business and a payment specialist will get your Sterling Check account live — usually the same day. No paperwork marathon, no long-term contract.
- Save up to 2% on processing fees
- Next-day funding to your bank
- Same-day account setup
Create Business Account
Start verifying and accepting eChecks today — first check verified free, from $29.99/mo, no hidden fees.
eCheck questions,
answered.
An eCheck (electronic check) is the digital version of a paper check. Instead of writing and mailing a check, your customer provides their routing and account number, the payment is verified and processed electronically over the ACH network, and funds are deposited to your account within one business day.
Your next check could clear
tomorrow morning.
Open your Sterling Check account today — verified payments, next-day deposits, from $29.99/mo.
Get StartedNo long-term contracts · No setup fees · No cancellation fees