Move from checks to ACH Payments
without the risk

Eftsure helps finance teams migrate vendor payments from paper checks to ACH in structured, manageable batches, with built-in fraud controls, secure vendor onboarding, and visibility at every step.

Trusted by CostCo, Sony, Chobani and 3,500+ more

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Trusted by 3,500+ finance teams to protect their payments

CostCo 7Eleven Cushman Wakefield SONY Chobani BlueScope
THE CHALLENGE

Paper checks are costing you
more than you think

Check fraud is rising year over year. But migrating to ACH without the right controls exposes your organization to new risks.

Check fraud is surging

Check fraud remains the most common form of payment fraud in the US, with losses exceeding $24b last year. Staying on paper checks means staying exposed to interception, forgery, and check washing.

ACH migration stalls without structure

Most teams know ACH is faster and cheaper, but the switch stalls. Vendors don't respond, teams lack bandwidth, and past fraud incidents create hesitation.

Unverified bank details create new risk

Without independently verified vendor bank accounts, moving to ACH can expose you to BEC fraud and payment redirection. The transition needs controls, not just intent.

WHY EFTSURE

Fraud controls built into every step of your ACH transition

Moving to ACH shouldn't mean trading one risk for another. Eftsure's platform verifies vendor bank accounts against millions of verified records, flags anomalies in real time, and keeps sensitive payment details out of email inboxes. With the Eftsure Guarantee providing up to $1M in coverage per customer for social engineering fraud, your transition is protected from day one.

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COMPARE

Paper checks vs. ACH with Eftsure

Paper checks vs. ACH with Eftsure Let's break down the key differences, risks, and real costs between paper checks and verified ACH payments.

Paper Checks ACH with Eftsure
Cost Per Payment $3-6 per check based on AFP data $0.29-$0.50 per ACH transaction according to NACHA
Fraud Exposure 63% of organizations hit by check fraud in 2024. Losses projected at $24B+ Every vendor bank account is independently verified against before payment is released
Processing Speed 5-10+ business days including mail transit, processing, and clearing 1-2 business days standard. Same Day payment available
Fraud Recovery Only 22% of organizations recovered 75%+ of fraud losses in 2024 Prevention-first approach with real-time verification and backed by a $1M Guarantee
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Converting our vendors from check to ACH wasn't just about efficiency — it was about security. With Eftsure verifying the banking details independently, we know we're paying the right supplier, not a fraudster.

Beth Donovan
Vendor Management, Signode
HOW IT WORKS

A structured, safer path
from checks to ACH

Eftsure supports your transition using a practical, controlled approach that fits your team's capacity — just like we did for Signode.

01 - Plan your migration

During implementation, we work with you to decide on a monthly batch size based on your vendor mix and internal bandwidth. You prioritize the vendors and set the pace of the rollout.

02 - Onboard vendors securely

Send secure onboarding invites individually or in bulk from the Eftsure portal. Automatic follow-ups and expert communication strategy mean you're not chasing non-responsive suppliers.

03 - Verify and pay with confidence

All bank details are submitted through Eftsure's secure portal and independently verified before payment. No email attachments, no spreadsheets, no back-and-forth.

FAQ

Common questions about
check-to-ACH migration

How long does the check-to-ACH migration take?

It depends on your vendor mix and team capacity. Eftsure works with you to set a manageable batch size - typically monthly - so you can migrate at a pace that works for your team. Most mid-market companies (100-1,000 vendors) see meaningful progress within 3-6 months. Signode, a global manufacturer, uploaded 1,500 vendors at once and converted approximately 1,000-1,250 from check to ACH within the first year across 13 business units.

What if vendors don't respond to onboarding requests?

This is one of the most common barriers - and Eftsure is built to solve it. The platform includes automated follow-up sequences, expert communication strategy, and status tracking so your team isn't manually chasing suppliers. Vendors receive clear advance communication explaining the process, and expectations are set upfront: ACH is the new standard. At Signode, the AP team used automated emails, resending requests, and direct outreach - escalating only when necessary. The result was a repeatable onboarding engine, not a time-intensive, one-at-a-time effort.

Isn't ACH also vulnerable to fraud?

ACH has a significantly lower fraud rate than checks - 63% of organizations experienced check fraud in 2024, compared to 34% for ACH debit and 19% for ACH credit. The vulnerability isn't in the ACH network itself - it's in how organizations collect and manage vendor bank account information. When bank details are exchanged via email or phone, they're easily intercepted. Eftsure eliminates this risk: all vendor data is collected through an encrypted portal and independently verified against 7.5M+ records before any payment is released. Plus, the Eftsure Guarantee provides up to $1M in coverage for social engineering fraud losses.

We've tried ACH before and had fraud issues. How is this different?

Most failed ACH attempts lack independent verification - teams collect bank details via email or phone and have no way to confirm they're paying the right entity. Research shows 67% of all payment fraud is linked to payments to newly added payees, which represent just 7% of total payments. Eftsure addresses this directly: every vendor bank account is independently verified through a multi-layered process before payment is authorized. No verification, no payment.

How does Eftsure integrate with our existing systems?

Eftsure integrates with major ERP and AP platforms with minimal disruption to your existing workflow. Implementation is designed to require very little investment of time from your team. Signode successfully deployed Eftsure across 13 separate ERP systems across the Americas. The Eftsure support team assists with template setup, file uploads, and change management - equipping your AP team to operate independently over time. New Nacha rules taking effect in 2026 will also require proactive fraud monitoring for ACH payments - Eftsure helps you stay ahead of these requirements.

Ready to modernize your payments?

Every organization's path off checks looks different. Book a demo to discuss your vendor mix and build a migration plan that reduces risk while saving time.

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