You already do it. Now do it for the better.

eCheck is simply a way for your customers to make online purchases directly through their checking account. It may sound unfamiliar to some, but your customers already do this to pay for things like bills, utilities, and rent, or via a platform like PayPal.

We believe eCheck is the best method of payment, saving your company and customers money that would otherwise go to merchant fees. That said, eCheck isn’t for every business (yet), and it’s important to understand the pros and cons to make sure it works for yours.



  • For Businesses: There are little to no fees associated with collecting payment via eCheck or check. This means businesses save incredible amounts of money each and every year.

  • For Customers: Paying by eCheck ensures customers don’t overspend or live beyond their means. U.S. consumers currently have almost $1 trillion in credit card debt, and the average US household has over $16,000 in credit card debt and pays over $1,200 in interest each year.


  • For Businesses: eCheck technology is still developing to verify that funds exist in bank accounts. At this time, many businesses where there are small or infrequent transactions or where there is not a strong relationship between buyer and seller may not be well-suited for eCheck. It can also take up to 7 days for eCheck transactions to clear.

  • For Customers: Customers may lose out on loyalty or points programs associated with their credit card. However, we believe that trading these points in exchange for less consumer debt is a worthy endeavor.

Credit Cards


  • For Businesses: Credit cards can be a surefire way of getting paid. A buyer’s credit is verified instantly, and funds are transferred into your account within a day or two.

  • For Customers: Credit cards give consumers access to point and loyalty programs, insurance, and other protections, as well as the ability to cancel a payment or protest it.


  • For Businesses: The cost of accepting credit cards is extremely high. For small businesses, it is typically a minimum of 2.9% plus $.30 per transaction. For many businesses where margins are tight, such as retail or food service, the difference between profit and loss is 3%+.

  • For Customers: Paying by credit card can give customers a false sense of true spending ability. Furthermore, businesses may be forced to inflate prices in order to account for the additional merchant fees. This explains why many businesses charge a convenience fee for credit card transactions.

Some Facts We Learned About the Credit Card Industry

We believe in credit. Without credit, our economy would crash. But many times either the cost of credit is too high, or those who are not right for credit are getting it. The result is a system that is likely ready for a change. Here are some interesting facts:

  • The average interest rate on a credit card in the US is over 15%. (Source)
  • The average U.S. household has over $16,748 in credit card debt. The average household pays over $1,200 in interest payments each year. (Source)
  • U.S. consumers have $1 trillion in credit card debt. (Source)

So what if we turned these stats into a global giving network that changes the world? That’s where Give, You Get steps in. It all starts with you.

Ready to Give and Get Back? Take the pledge today.