REST API

Introduction to the eCheck Service {#echeck-txnprocess-intro}
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The eCheck payment service enables merchants to accept electronic check payments using a variety of methods, including mail, telephone, and online orders.  
There are two main types of eCheck transactions:

* A charge is initiated to take money from a customer's bank account and transfer it to the merchant's bank account. Most eCheck transactions are ACH charges.
* A credit or refund is initiated to transfer money back to the customer's bank account.

eCheck information can be used in a range of reports. For further information, see [eCheck Reporting Fields](/docs/vas/en-us/echeck/user/all/rest/echeck-user-guide/echeck-reports-intro/echeck-reporting-fields.md "") and [eCheck Reconciliation Reporting Case Study](/docs/vas/en-us/echeck/user/all/rest/echeck-user-guide/echeck-reports-use-case-intro.md "").