e-ValuCheck is the ultimate electronic lockbox for paper checks. e-ValuCheck allows online customers to pay for purchases by paper check and allows merchants to accept paper checks as payment for purchases, donations, and payments of all types. The merchant will also recognize significant savings from the operational benefits of the e-ValuCheck system as they will never see, touch, or deposit a paper check using this system. The merchant will also never experience the handling, accounting, or collection nightmares associated with return items. With the optional e-ValuCheck check guarantee program, there are no return items to the merchant's account. The e-ValuCheck system requires zero development time, hardware investment, or change to current practices for the merchant.