As an online casino player, you’re constantly faced with choices. You have to decide on which game you’re going to try your luck, the promotion to claim to get a boost and the payment solution to use to get safe transactions. And while the first two things are important, there’s nothing more important than choosing the right payment method, because after all, you must take care of your money.
When choosing a payment method to use, you have to consider many things, to ensure that the one you chose would provide you with the safety and security you need. You cannot just go with the first payment solution that you see on the list of accepted ones at an online casino. You have to explore a few options, learn more about them and only then, choose the most suited one for you. That’s why we’ve created this page, to present to you two perfectly safe solutions to use, ACH and eCheck. Continue reading, and you’ll learn the answer to the question: why would ACH and eCheck be great payment methods for you?
ACH vs. eCheck – Introduction
ACH and eCheck, as introduced, are banking methods that would provide you with safe transactions across online casinos. But you should know right away that both of them are rather traditional payment solutions because they are both directly connected to banks. They are not alternative solutions like eWallets where you can make transactions without involving the bank; they are the opposite of that. And in that sense, they are pretty similar. There are a few distinctions, but in reality, they both function in a pretty much similar way.
ACH…
…is a payment processing system. It is kind of like a service that works directly with banks to process your transactions. Its acronym stands for Automated Clearing House, which means it is a system that checks, verifies and clears the payment you request and makes sure your bank sends it to the right destination. It makes payments easier than those requested directly from the bank, because the bank needs more time to process them, and ACH speeds up this process. As long as you have money on your bank account, you request a payment and you approve it when asked, you can make a deposit at any online casino that accepts it as a payment method.
If you’re a US player…
…though. The solution is only available in the USA, and only US bank account holders can use it. This is one of the things that may bug you if you're not a US player. But if you are, you should seriously consider using it, because deposits with it would be a piece of cake. It will do all the hard work for you, it will make sure the payment goes through and it will do that without asking you to step a foot in your bank. No matter the account you want to send the money to, ACH will process it and ensure that the money gets safely to any destination.
On that note…
...because the payment processing system would have to do the hard job, it would take a few days before the money arrives at the desired destination. This is one of the main reasons why players refuse to use it for deposits, but love using it for withdrawals. Players usually want to start playing their favourite games in an instant, right after they request a deposit. But they don’t mind waiting a few days to get their winnings cashed out. Nevertheless, if you are cool with the waiting time, you won’t need to bother about anything, and you’ll be able to make perfectly safe transactions with ACH without worrying about your money.
eCheck is a solution…
…that actually collaborates with such processing services. It is an electronic check, which pretty much functions like regular paper cheques. If you know how paper checks work, then you know that banks need to approve them before you can cash them out. So, in order to use eChecks, you need to have a bank account. You would need to share your bank account details to use it, though, but you can rest assured that those details would be highly protected with both the bank's and the eCheck's security measures. Therefore, you can rest assured that this solution would provide you with seamless, secure transactions to and from online casinos.
It is a solution accepted across many casinos…
…as it can be used by any player from any of the countries with legal gambling, countries that use electronic checks, and paper checks for that matter. That’s one of its advantages, the fact that it does not come with any particular country restrictions. The only condition to use it, really, is to have a bank account. Your bank would make sure the money gets processed, even though it would use the aid of several other financial institutions, institutions like ACH. As you will soon learn, to make a transaction with eCheck, a background process will be set in motion where services like ACH help the bank process the money better. For now, all you need to know is that transactions with eCheck won’t be instant, either. It would take 3 to 5 days for it to process deposits, and up to 7 days to process certain withdrawals.
But the silver lining is, both of these payment solutions are safe, and they can both be used for deposits and withdrawals across online casino sites. Keep on reading to figure out how to get started with each of them.
Getting Started
As you will see…
…you can get started with these two solutions pretty easily, and they would be the ones that would do the hard job for you. They will do their magic and process your transactions safely without bothering you with any details.
To get started with ACH…
…you won’t need to move your finger. You won’t need to fill out applications or register accounts. You will only need a bank account, a US bank account. Hence, you would need to be a US player holding an active bank account. As long as you have one, ACH will allow you to request a deposit or a withdrawal and at a really low cost, you’ll be able to transact money from and to your bank, without even contacting the bank, and without visiting it. ACH will do everything that’s needed to be done in order for your transaction to go through.
It will deduct…
…the money from your bank account, upon your approval, and will add money to your bank account after you request a withdrawal and the casino approves it. As easy as that. All it takes for the money to be moved is your request and approval. The rest is history.
Getting started with eCheck…
…is as easy. In a similar fashion, as soon as you request a deposit via it, you will set in motion a background process that would make that transaction successful. This process involves several third parties, as mentioned before.
Once you enter the required personal and bank information, that information will be sent to an intermediary. Services like Authorize.net process your information into a more compact, more useful one that would be easier to be further processed by another third party involved, one you're already familiar with. That's right, Automated Clearing House Network. This is a network comprised of many financial services and institutions which have a sole purpose of clearing electronic checks. Once your information is verified and confirmed as legit, it is finally sent to the bank.
The bank takes it from there…
…reviews your request, and if everything is in order, approves your eCheck and transfers the money you requested to it. As soon as you have your eCheck in order, you can start using it to play all your favourite slots, scratchcards, video poker or Live Casino games.
Depositing and Withdrawing
You have probably gathered by know…
…that depositing and withdrawing with both of these solutions would be extremely easy, for you. You won’t need to think about the background processes involved, you would just need to join an online casino that accepts them and proceed.
To make a deposit with ACH…
…you just need to go to the Cashier page at your chosen casino and chose it as your default payment method. You need to enter your bank account details. As soon as ACH processes your request, it would ask you for confirmation. And, as soon as you confirm, it will deduct the money from your bank account. In a few days, up to 5, the money will arrive on your online casino account.
Withdrawals with it…
…are as simple. You basically need to repeat the same procedure. You need to choose ACH from the accepted methods list in the Cashier section, request a withdrawal and wait. This time, though, you will be waiting for the casino to check your request and see whether you have won the amount you’re requesting to withdraw. Considering you do, ACH will take it and transfer it to your bank account directly, and in a matter of a few days, you’ll be able to cash it out. You should know that with ACH, you can withdraw large amounts of money, and that’s why it is one of US players’ favourite withdrawal methods. Say, you won a jackpot prize. Using other solutions, you would need to withdraw the money in batches. With ACH, you can withdraw it all at once.
eCheck deposits…
…are also pretty straightforward. You go to the Cashier page, click on its logo and enter your personal and bank account details. Specify how much you’d want to deposit on your online casino balance, and wait for the third parties to do their job. The money will arrive on your casino account in 3 to 5 days.
Withdrawing with it…
…is even simpler. You need to go through the same process again and wait for the casino to approve the amount you specified you wanted to withdraw. The money will be transferred to your bank account in up to 7 days after the casino’s approval. It will be immediately available for you to cash out, with no further delays.
Advantages and Disadvantages
Knowing the benefits you get with each payment method is essential for you to make the right choice. But you also need to know the downsides to them, so that you can be ready that not everything would be perfect.
ACH and eCheck share one downside…
…considering deposits and withdrawals with both of them take days. They are not instant solutions like most modern, alternative payment methods are today. And while the wait certainly pays off, some players are quite impatient and want to have their money ready instantly. The wait can seriously affect your game if you're on a streak and you need to deposit money momentarily.
While on the subject of disadvantages…
…it is undeniable that ACH comes with another one. Its country restriction makes it impossible for players other than the US to use it. If you’re a European player, for instance, and you don’t have a US bank account, you cannot use it.
On the plus side, though…
…playing with either of these payment methods allows you to have quite the convenient online banking and quite the effortless transactions to and from online casinos. All it takes is an active bank account for you to request deposits and withdrawals. Both of these payment methods do the job for you, while you're directly transacting to and from your bank account in the safest way possible. You never step foot in your bank and you still get to move the money to and from your account whenever you want to. Plus, both of these payment solutions come with really low fees, so if you're a US player, consider ACH. If you're from anywhere else across the globe, use eCheck. You won’t regret it!
Payment Methods Comparison | ||
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Payment methods name | ACH | eCheck |
Available accounts | n/a | 1 account |
Link to terms & conditions | http://www.achpaymentsolutions.com/ | https://www.authorize.net/en-us/payments/echeck.html |
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