ecash is not popular because there is no universal system that facilitates pier to pier money transfers. Businesses would have to sign up for and integrate with a company that provides the service and then be subject to the same fees as with processing a credit card or check online. There are also not a lot of people that use these programs, so it is essentially a big waste of time and resources. There is also little protection from fraud for businesses or consumers unlike credit cards.
As far as the e-check vs. normal check question. Accepting an echeck will include a fee to process it just like when a credit card is processed. Many businesses want to avoid as many fees in every area as possible. I would imagine that the fees, as well as fraud prevention are the main reasons against echecks. echeck acceptance is also fairly new and is growing, so I think that its popularity will be growing a lot.
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