There is an option within 2checkout.com options where I could choose to accept payments with digital check. Ok, I know how to enable this, but what I want to know is how this exactly works on the side of a buyer.
I mean, I have a buyer that wants to pay me by regular check. The problem is that I am in Europe and buyer is from USA. First his check will travel week or two until I will have it. Then I need to present this check to my bank. Then bank sends check to the original bank in USA for clearance. This proccess is about 4 weeks until I will be finaly payed by my bank. All this services will cost about $50 or more and as you see I need to wait for about 45 days for payment. This is too long to wait.

So, that is why i want to know what exactly mean digital check for the buyer (as he only wants to pay me by check). If someone payed by digital check, can you please send me some details how is this working on your side (buyer side). What is the proccess. From where money comes ?

The digital check means that your buyer will provide his personal details and check details (account number + routing number) to a check processor. The processor will do some checks to make sure the check details are valid and pulls the data to a processing network. Usually in 5 days the money is debited from the buyer's check account and credited to your account.

But what is the difference between paying by wire transfer from checking account to my checking account and this what you described ? I mean, you are saying that money is coming from buyer check account.
Why would he use digital check option f this is the same as paying by wire transfer (account to account).
If this is the way of digital check, then this is not quite clear to me yet.

The digital check is more convenient for buyers. In order to do a wire transfer, a buyer must show some papers to a bank or fill a wire transfer order and moreover pays the wire transfer fees. 2co will process the digital check for you and then send all revenues to your bank account. The digital check paying process looks like the buyer pays by credit card: fast, secure and there aren't too many movements

The digital check is more convenient for buyers. In order to do a wire transfer, a buyer must show some papers to a bank or fill a wire transfer order and moreover pays the wire transfer fees. 2co will process the digital check for you and then send all revenues to your bank account. The digital check paying process looks like the buyer pays by credit card: fast, secure and there aren't too many movements


Dont forget the big difference- digital check is almost non reverseable- you must show the bank it was fraud and ACH is reverseable in anytime

Dont forget the big difference- digital check is almost non reverseable- you must show the bank it was fraud and ACH is reverseable in anytime

i agree, accepting credit card is risky. i have been doing it for 5+ years.
recently i discovered escrow.com and will not accept credit cards for any big ticket items. i will only use escrow.com for anything over 250$