Since 1997, PayByCheck.com has make it possible for merchants to accept check payments for transactions over the internet, by phone or by fax.

Their system includes multiple negative and positive databases and a proprietary address verification system (AVS) to help lower fraudulent transactions.

Shoppers simply use their existing (FDIC insured) checking account to pay for items in their shopping carts. No need to register for an additional account.

PayByCheck is one of the many payment processors supported by the ecommerce shopping cart software.

Simply use the hosting control panel to instruct the shopping cart software to use their services.

Note that PayByCheck can be used as a primary or secondary payment processor. This means you can tell the webstore software to accept both credit cards and checks as payment. This would require a credit card merchant account to process the credit card orders.