Only a few major online stores let you pay by eCheck directly. The most reliable are Amazon, Walmart, Etsy, and Costco Business Delivery — each accepts a bank-account (ACH) payment at checkout with no PayPal required. Two more, B&H Photo Video and Appliances Connection, take bank payments by phone. The verified list is below.
Most big retailers do not accept eChecks. eBay, Newegg, Zappos, and Nordstrom take cards, digital wallets, and sometimes PayPal or buy-now-pay-later instead — and Blue Nile and eBay explicitly refuse ACH and paper checks. If the store you want isn't on this list, you have two common workarounds: fund a payment from your bank account through PayPal (PayPal's version of an eCheck), or use your bank's online bill-pay to send an ACH payment where the merchant accepts one.
To pay by eCheck at the stores below, choose "bank account" or "pay by check" at the payment step and enter your routing and account numbers. The payment clears in a few days, not instantly — see how long an eCheck takes to clear. New to eChecks? Start with our plain-English eCheck guide.
Amazon
Amazon lets US customers add a bank account and pay by eCheck (ACH) at checkout — mainly for shoppers without a card on file, on eligible orders.
Walmart
Walmart.com offers Pay by Bank at checkout: link a bank account and pay straight from it, with no card or PayPal needed.
Etsy
Etsy accepts bank-account (ACH) payments through Stripe Link at checkout, shown alongside cards and separate from PayPal.
Costco Business Delivery
Costco Business Delivery lets you pick ACH / eCheck at checkout and pay from your bank using your routing and account numbers.
B&H Photo Video
B&H accepts bank wire transfers on phone orders (call 800-606-6969). Its online eCheck option is processed through PayPal.
Appliances Connection
Appliances Connection accepts personal checks (arranged by phone) and bank wire transfers, alongside cards and financing.
Frequently asked questions
Which online stores accept eChecks?
Amazon, Walmart, Etsy, and Costco Business Delivery accept a bank-account (ACH) payment at checkout. B&H Photo Video and Appliances Connection take bank payments by phone. Most other large retailers do not offer eCheck.
Does Amazon accept eChecks?
Yes, in a limited way. Amazon lets US customers add a bank account and pay by ACH, mainly when there's no card on file and on eligible orders.
Can I pay by eCheck without PayPal?
Yes, at Amazon, Walmart, Etsy, and Costco Business Delivery, which take bank/ACH payments directly. At many other stores, the only electronic-check option is funding a PayPal payment from your bank account.
Why don't more online stores accept eChecks?
eChecks clear slower than cards (about 3–5 business days) and can be returned for insufficient funds, so many retailers only take cards, digital wallets, and buy-now-pay-later. Some, such as Blue Nile and eBay, explicitly do not accept ACH or checks.
How do I pay by eCheck at checkout?
Choose "bank account" or "pay by check" at the payment step, then enter your bank routing number and account number. The store debits your account over the ACH network, so it clears in a few business days.
Was this list helpful?
Thanks — noted. We re-check flagged lists against live sources.
Other eCheck Accepted categories: