Clothing Stores And Echecks
There are a huge amount of opportunities online nowadays for picking up all manner of apparel and clothing. And one of the compelling methods of payment for online clothing that is often overlooked is that of echecks.
Which Clothing Stores Accept Checks Online?
These days, most people are familiar with shopping at clothing stores online with debit or credit cards. But did you know you can also use checks to shop for clothes online?
Some clothing stores accept checks or electronic checks as payment for your online purchases. There are various stores that accept checks, and various ways to pay with checks at these stores. This is very convenient for people who don’t want to pay by credit or debit card, or currently don’t have one.
There Are Different Ways to Pay with Checks Online
Shopping online is obviously different from in-store shopping. Most online stores let you pay with major credit and debit cards, but there are some that will let you pay by check.
You can pay with the following kinds of checks at clothing stores online:
- Electronic check (eCheck)
- Paper check sent by mail
- Check via PayPal
Here are the ways you can pay by check at clothing stores that accept checks online:
Electronic Check (eCheck)
Checks have been a common method of payment for decades, but echecks completely update the concept. Echecks makes it possible to electronically transfer money from a current account, with the payment being transferred via the national automated clearing house network.
Merchant accounts are also available for echeck payments, making it possible for businesses to tap into this technology as well.
When processing echecks, businesses essentially agree authorisation with a customer, which is usually completed via an online payment form. However, it is also possible for this authorisation to be granted by telephone conversations, or traditional signed paperwork.
Some online stores let you make payments via electronic funds transfer (EFT). EFT payments are sent from your checking account either as an eCheck or bank transfer.
Once this authorisation is granted, the echecks payment can be set up via processing software. Once this is saved and completed, the automated clearing house network process will be initiated.
Final confirmation will then be sought from the customer’s bank, before funds are finally deposited. This entire process usually takes around three business days.
The checkout window of the online store will probably ask for you to enter your checking account number and your bank’s routing number. They might also want you to contact your bank to approve the transfer.
Difference Between Echecks and Personal Checks
Echecks are intrinsically associated with personal checks, but there are obvious differences between the two. Aside from the paperwork and processing time associated with personal checks, these paper checks have also traditionally had details such as name, address, and bank account number printed on them.
Increasingly, it should also be noted that personal checks are being rejected by a variety of retailers, as they become obsolete compared to the more advanced echecks system.
Even cashiers’ checks, which were traditionally used for large transactions such as house purchases, are becoming increasingly rare.
Advantages Of Echecks
There are several benefits to sending echecks, not least that they prevent the unwanted use of resources that are associated with personal checks.
Echecks are more efficient and quicker than using personal checks, while also handing the power to customers to pay in a matter of seconds. Customers also save money when paying via echecks, as there is no need to pay for the envelope, stamp, and so on.
Paper checks also require a raft of manual steps in order to prepare and execute the transaction, whereas this simply doesn’t apply to echecks. Echecks are also noted for being safer and more secure than traditional paper checks, as it is impossible to intercept them.
Even if hackers are able to get hold of echeck information, it is all unusable details, meaning that they are particularly safe.
Echecks make it possible to pay from anywhere at any time, and the transactions can be processed in a shorter period of time than is possible with traditional checks.
There are also no costs associated with receiving echecks, and no sign-up or sensitive data required. There are many advantages to echecks, which is why they are becoming ever more popular.
Paper Check Sent by Mail
Some stores let you order online and then mail a paper check to the company. This may take some time, but once your check has been received and processed, your purchase will be shipped back to you.
Using A Check via PayPal
PayPal uses funds drawn directly from your checking account. You can use your PayPal account to pay online at stores that accept this method. You will need to set up a PayPal account linked to your bank account so you can make these payments.
Here are the clothing stores that accept checks online using one of the above methods
There are a variety of clothing retailers that accept echecks, so here are some of the most notable.
Abercrombie & Fitch
Abercrombie and Fitch accept PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
This casual clothing retailer makes it possible to use echecks via a PayPal checking account. Aeropostale is known for its casual apparel and accessories, principally targeting young adults.
While Amazon doesn’t accept PayPal, its website does embrace echecks. This can be entered via a checking account during the checkout process. Amazon is the world’s largest retailer, and offers a wide variety of clothing.
American Eagle Outfitters
American Eagle Outfitters enables echecks via a PayPal option during checkout. This clothing store has become renowned for its sturdy and affordable apparel. American Eagle accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
Bloomingdale’s is one of the biggest names in luxury retail, and the department store has also made the wise decision to accept echecks. This is one of the many retailers that makes echecks available via a PayPal option. Bloomingdale’s accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
Source: Bloomingdale’s Customer Service
Cabela’s mail-order catalogs are shipped to 50 states and 120 countries, and this retailer makes it possible to pay via echecks by calling their customer service department.
Shop online at Cabelas
JCPenney is a major name in department stores, with 865 locations in 49 US states and Puerto Rico. JCPenney also makes it possible to pay via echecks, using a PayPal option on its website. JCPenney accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
Source: JCPenney payment options page
At Fashion Nova its easy and affordable to be your own fashion icon. Boasts the no 1 searched fashion brand in google search 2018. Offers plenty of various payment options.
Macy’s is an upscale American department store chain founded in 1858, and has become the most prolific department store by retail sales. The company also accepts echecks as a method of payment. Macy’s accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
Source: Macy’s Customer Service FAQs
Newchic is one of the most popular online fashion shopping stores, offers millions of products with great deal and high-quality in all categories like women’s fashion clothing, men’s fashion clothing, bags and shoes.
Nine West offers a hugerange of shoes for women, and has also made the visionary decision to enable echeck payment when checking out. Nine West is purely an online retailer, having closed its final retail stores in 2018.
This luxury department store has also approved echecks as a method of payment. The company generates over $15 billion in revenue annually. Nordstrom accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
Source: Nordstrom Method of Payment page
The QVC shopping channel has been around for many years now, and has revolutionised clothes shopping for many people. QVC also enables customers to pay via echeck.
Saks Fifth Avenue
In common with many other retailers, Saks Fifth Avenue uses PayPal linked to checking accounts in order to make echeck payment possible. Recently purchased by the Hudson’s Bay Company, Saks Fifth Avenue is known for its high-end items. Saks accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
Source: Saks Customer Service FAQs
Target is always a popular outlet on Black Friday, and those looking to pick up a bargain can rest assured that echecks are accepted. Target accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
Source: Target Accepted Payment Methods
Arguably the biggest name in American retail, Walmart is one of many stores to accept echecks as a form of payment. Walmart accepts PayPal linked to your checking account. At checkout on the payment window, choose the PayPal option and sign into your account.
You can also pay with “cash” online. Select Pay With Cash at checkout, and then pay with a check at your nearest Walmart location.
Source: Walmart Accepted Payment Methods
So If you don’t have a debit or credit card, you can still shop online at many clothing stores and pay by check. Most online clothing stores that allow check payments use PayPal to process the purchases, but a few stores accept electronic checks – and some allow you to mail paper checks after you have made your purchase.
Article By Chris Morris: I am a full-time, experienced and published writer in both book and article form. I have a BA in English Literature.I have had several thousand articles published professionally. I have been regularly published by Yahoo. I have written for several other major publications including the FT. I am currently the Editor of The Healthcare Times.
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