eCheck and Paper Checks eCheck is a digital version of paper checks. It is faster, more secure, and more reliable. It reduces the chances of errors and information theft. It directly debits from the customer's account and immediately transfers the money to the merchant account. eCheck and Debit Cards Businesses prefer to pay via debit card relatively less, when paying at the retail point-of-sale. As a result, eCheck serves as an effective alternative used by business owners.