In today’s digital age, it is common to think of checks as a thing of the past. However, many online stores still accept checks or their online counterparts, called eChecks, as a form of payment. Whether you prefer using checks for budgeting purposes or simply do not have a credit or debit card, this option is still available.
In this post, we will explore some of the top online stores that accept checks, making your shopping experience a little bit easier. So, sit back, grab a hot cup of your favourite drink, and let’s dive into the world of online shopping with checks!
How to Pay with a Check Online?
The majority of online retailers accept payments made with major debit and credit cards, and many now also accept contactless payments made with Apple Pay, Google Pay, and PayPal. Although not so common, some will also accept checks as payment.
Here are three ways you can pay with a check online:
1. Mailing a Personal Check
In rare instances, you might be able to place your order online and subsequently send the store a paper check. The store/retailer will send the purchased items to you after it has received and processed your check.
Some e-commerce stores offer the option to pay via electronic fund transfer (EFT) from your checking account, either as an eCheck or bank transfer. It usually involves entering your checking account and routing numbers at checkout or contacting your bank to make the transfer instead of using a credit or debit card.
3. eCheck using PayPal
To pay using an eCheck through PayPal, you must have a PayPal account and a checking account linked to it. All you have to do is visit the checkout page on the online store and select ‘PayPal’ as your payment method. Next, Choose ‘eCheck’ to pay through PayPal.
The availability of eCheck as a payment option may vary depending on the store and your location. Additionally, using an eCheck may take several days for the payment to clear, as opposed to using a credit or debit card which is usually processed instantly.
List of Stores that Accept Checks Online
Here is a list of some of the popular online retailers that accept personal checks or eChecks as payment:
With its user-friendly interface and a vast selection of products, shopping online at Amazon has become a popular choice for many customers. Customers can easily browse the website or use the search bar to find the products they wish to purchase.
Amazon accepts e-checks as a form of payment through its ACH (Automated Clearing House) direct deposit system. To use this payment method, customers need to link their bank account information to their Amazon account. The funds are then transferred directly from the customer’s bank account to Amazon at the time of purchase. However, this payment method can only be used for purchases made on Amazon.com and not for in-store purchases or purchases made through third-party sellers on the Amazon marketplace.
As a well-known online marketplace, eBay provides various payment methods for its customers, including personal checks and e-checks (PayPal). If the seller agrees to accept personal checks as payment, you will have the option to use this method after winning a bid or purchasing a fixed-price item. When paying by check, it is advisable to bring it along when you go to collect the item and make sure to get a receipt from the seller.
Checks, along with money orders and bank wire transfers, are not allowed for most eBay purchases. Nevertheless, you can use these payment methods to buy vehicles, capital and business equipment, real estate, and items you pick up in person.
QVC is a multi-channel retail company that specializes in televised home shopping and accepts payments in the form of personal checks and eChecks via PayPal.
To make a check payment to QVC, you can follow these steps:
- Shop on QVC’s website or through its TV channel and add the desired items to your cart.
- When checking out, select ‘Check/Money Order’ as your payment method.
- Complete the checkout process, including entering your shipping and billing information.
- Write a paper check made payable to QVC.
- Mail the check to QVC’s payment centre, along with a copy of your order confirmation. The address can be found on QVC’s website.
- QVC will process your payment once they receive and clear your check. Your order will be shipped once payment is confirmed.
It is important to note that your order may be delayed while QVC waits for the check to clear. Also, QVC will cancel your order if it does not receive the check within ten days.
Cabela’s is a speciality retailer of outdoor recreational merchandise which operates an online store that provides customers access to a wide range of outdoor gear and apparel. Its products include hunting and fishing equipment, camping gear, boating, and marine supplies, firearms, and ammunition, among others.
Cabela’s accepts paper checks by mail on its website. Simply place your order online, print out a copy of the order confirmation, and mail it along with your check to the address specified on Cabela’s website. To make an electronic check payment, contact Cabela’s customer care at (800) 237 4444.
B&H, a large electronics retailer, accepts personal checks as well as e-checks via PayPal. You should contact B&H’s customer service line at (800) 952 3386 to place an order and make payment by check. A customer service representative will provide the relevant mailing address and the order number to include on the check to prevent any delays.
B&H does not accept eChecks through PayPal unless there is a valid credit card linked to the account (as a backup). Therefore, PayPal may request you to add a valid credit card to the account to complete the transaction.
Shopping at Walmart can be done in-store or online, with the option for curbside pickup or home delivery for added convenience. Walmart accepts checks as a form of payment for in-store purchases. Customers can pay for their purchases with a personal check, provided they have a valid government-issued photo ID. Although for online purchases, Walmart does not accept checks as a form of payment. Online transactions at Walmart are primarily covered using credit/debit cards, Walmart gift cards, and PayPal. You can still pay for your purchases using an eCheck through PayPal.
Some Frequently Asked Questions
Which online stores do not take PayPal or eChecks?
Several online retailers do not take PayPal, personal checks, or eChecks. These typically only accept major debit and credit cards as forms of payment. Among them are Costco, Kohles, Tiger Direct, and Big Lots.
It is difficult to provide a comprehensive list of online stores that do not accept eChecks, as the acceptance of payment methods can vary depending on the store and location. Hence, it is best to check the payment options available at an online store before making a purchase, either by reading the store FAQs or checking the payment methods available during the checkout process.
How do I add a checking account on Amazon?
To add a checking account as a payment method on Amazon during checkout, follow these steps:
- Go to Amazon and login to your account.
- Start the checkout process by adding items to your cart and proceeding to the ‘Place your order’ page.
- Under the Payment Method section, select the ‘Add a new payment method’ option.
- Click on the option ‘Add a checking account’.
- Enter the required information for your checking account, including the bank routing number, account number, and driver’s license or state ID number.
- Verify the information entered and complete the process of adding the checking account as a payment method.
Note: Availability of this payment method may vary based on factors such as the type of purchase, the total amount, and the shipping address.
How do I link a checking account to your PayPal account?
To link a checking account to your PayPal account, follow these steps:
- Log in to your PayPal account.
- Go to the “Wallet” section.
- Click on “Link a bank.”
- Enter your bank’s routing number and your checking account number.
- Confirm the bank account by following the prompts to verify the two small deposits made by PayPal to your checking account.
- Enter the amounts of the two deposits in the “Confirm Bank Account” page in PayPal. After confirming the bank account, it will be linked to your PayPal account and you’ll be able to use it to make payments through PayPal, including using eCheck.