• For all intents and purposes, eChecks are the same as paper checks. 
  • All eChecks take at least 4 business days to clear and process after the registration or transaction is processed. 
  • When a customer opts to pay by eCheck, only their account and routing number entered are validated; money is not actually deducted from their account at the time of payment, much like a paper check. 
  • Credit and debit purchases occur in real time and thus, the funds are deducted almost instantaneously.