Manchester – October 16, 2026 -- HelloNation has published an article featuring Eric Miltner of PayPact in Manchester, New Hampshire, arguing that eCheck payments can speed collections and reduce manual work for local small businesses still relying on paper checks.
Paper checks slow cash flow and add error risk for New Hampshire businesses
Mailing, depositing and manual recordkeeping extend the payment cycle, according to the article. Contractors, medical offices, property managers and professional service firms are most exposed to delays from mail delivery, manual deposits or payment posting errors.
eCheck payments move through the ACH network, but the terms are not identical
An eCheck is the customer's payment method, drawing funds directly from a checking or savings account. ACH is the bank network that processes the transfer. The article stresses that the two terms are often used interchangeably but describe different things.
Electronic records simplify invoice matching and recurring billing
Digital records make it easier to match invoices, deposits and customer accounts. Businesses can identify completed, pending or overdue payments without handwritten notes or manual spreadsheets.
For monthly billing such as rent, memberships, maintenance plans, tuition or professional services, a customer's one-time authorization lets a business process future withdrawals on a schedule. It does not need to request payment details repeatedly.
Security depends on authorization, encryption and account verification
The article describes eCheck payments as safe for online use when businesses deploy secure systems with those controls. It advises against collecting bank details by unsecured email or handwritten forms. For larger invoices, ACH and eCheck payments may also carry more predictable processing costs than certain card transactions.
Miltner urges gradual adoption rather than wholesale replacement
The article frames digital payment modernization as a gradual effort and not an immediate overhaul of every process. Miltner advises businesses to understand settlement timing, authorization requirements and recordkeeping practices before integrating eCheck and ACH payments into daily operations.