est online shopping app in india

Online shopping is the most happening trend in the Indian market at present. Almost every alternate day, an online shopping app is introduced in the market. Online shopping apps in India have brought about a lot of change in the way we buy things and make payment, e-checks is one of them. E-Checks are a very convenient mode of payment in today’s world, where one can buy items and pay for them. This wasn’t an option that was available earlier, but is now highly preferred by customers. When shopping online, you might choose not to use your debit or credit card. Some of the best online shopping apps in India allow you to use e-checks for your payment. Paying with e-checks is a simple process that allows more variety while shopping online. 


Electronic checks, also known as eChecks, are getting used in online shopping in India more and more. They are the digital counterparts of physical checks. When a buyer uses an eCheck to pay for a service, the money gets automatically transferred from the buyer’s checking account and is sent over to the payee’s account. It is another form of payment, just that done via the internet or another data network, designed specifically to perform the same thing as a conventional paper check. 

Electronic checks use the Automated Clearing House (ACH) to direct debit from a customer’s checking account into a merchant’s business bank account, with the help of a payments processor. E-Checks are transmitted electronically so it is quicker, safer and hassle free. 


Some of the best shopping apps to buy online are now offering e-checks option for payment. But how they need to get prepared to accept payment in this mode. 

In order to accept eCheck payments, an online shopping app in India must first obtain the customer’s information including their bank routing and checking account numbers. This information can be obtained online, by phone or in person via a paper form. Using this information, the merchant’s bank can interact directly with a customer’s bank. Once the funds are verified, the direct debit happens via ACH. 

Following parties are needed in ACH echeck payment processing :

  • An Originator
  • The Business Bank
  • An ACH Operator
  • The Customer’s Bank

These are the steps to process an echeck :

  • Request Authorization
  • Payment Set-up
  • Finalize & Submit 
  • Fund Deposit 

Electronic checks play a very important part in online shopping in India. This is happening due to so many benefits that both the sender and receiver are gaining from this mode of payment. In our next blog we will discuss many benefits of Electronic checks. Till then stick to this space for more information on online shopping apps and trends in India.

Do you prefer online shopping over the offline one? Or is it the other way round? Share your thoughts in the comments section.

Read our article on:- “Online Grocery Stores Vs Offline Grocery Stores

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