tensportslivestream.stream's complete guide to explaining what an eCheck is and how it works. What is an 'Electronic Check'. An electronic check, also referred to as an e-check, is a form of payment made via the internet, or other data network, designed to. An eCheck (or electronic check) is an electronic version of a paper check used to Anyone with a checking account can pay by eCheck through CitePayUSA. A small device which can read cards fits on to a smarthphone and can be used to take payments. Echecksquite simply, are digital versions of the old paper check. The only disadvantage was that you could only accept payments online. Paypal eChecks can take up to 7 days to clear and are not instant. Your information is private and secure.