The Electronic Check Service is the electronic network which transfers and clears funds between banking institutions on behalf of merchants and their customers. Each transaction takes approximately 48 hours to clear, and we strongly suggest that merchants wait five days from the initial transaction date before shipping any goods. This leaves two days to debit the consumer's account, two days to deposit the funds into the merchant's account, and one day for the bank to post the transaction. Because of this unavoidable delay, Electronic Check Service should not be used by merchants who sell soft or digital goods that are normally downloaded immediately upon completion of the sale.

• What is Electronic Checks?
• Features and Benefits of ACH Electronic Checks