# Deluxe Payment Exchange Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Deluxe Payment Exchange the right Payment Processing solution for you? Explore 28 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/166710/ConvertKit/reviews --- Deluxe Payment Exchange 3.8 (28) [View alternatives](https://www.capterra.com/p/166710/Deluxe-eChecks/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Deluxe Payment Exchange Ease of use 3.8 Customer Service 3.6 ## Pros and Cons in Reviews AC Audrey C Radio BroadcasterBroadcast Media, 11 - 50 employeesUsed the software for: 6-12 months. “Ease of use. When you receive the notification email that you've got a check ready, you can simply log in, print the check and deposit in your bank account. “ May 6, 2024 FG Francesca G ICT DirectorInformation Technology and Services, 2 - 10 employeesUsed the software for: 1-2 years. “Also, they should work on their customer support as they are very reluctant in responding to customer questions.“ April 29, 2024 DS Dennis S DirectorInformation Technology and Services, 11 - 50 employeesUsed the software for: More than 2 years. “I'm also enjoying their friendly interface that does not require technical knowledge to use basic features.“ August 16, 2024 MB Mariah B Toddler TeacherEducation Management, 5,001 - 10,000 employeesUsed the software for: Less than 6 months. “It’s been a month deposit never hit my account, Investigation has been open I’ve been given no new information“ October 29, 2020 ## Showing most helpful reviews Showing 1-25 of 28 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Gabriel A. President/CEO Used the software for: 2+ years ### "Great service that makes paying out people WAY easier than issuing paper checks" April 5, 2018 5.0 They need to finish some basic functionality and integrations, but once that is done, this is a total 10/10 service Pros This has totally changed our payout process, allowing us to quickly and instantly pay out a lot of clients. It's a really fantastic solution that has saved us money and improved our service. We are really happy with it! Cons There are some drawbacks though: 1) It's been around a few years but still lacks a lot of features. You cannot filter our, search, or even go to a particular page on the payees list. We have 40 pages of payees and if I want to find "John Smith", I literally have to keep clicking page over and over and over. I'm dead serious! 2) Very large checks may have difficulty cashing. Review Source DS Dennis S. Director Information Technology and Services Used the software for: 2+ years ### "Easy to pay and receive payments digitally without papers" August 16, 2024 5.0 I have enjoyed working with paperless checks for years now and am loving how to send checks and track them online. I'm also enjoying their friendly interface that does not require technical knowledge to use basic features. Their ACH transactions are a game changer in securing direct transfers at reduced times. Pros Payment processing is great with this system Faster and reliable ACH check transactions they have amazing recurring billing, mobile payments and their customer support Cons I find it to be a great software but very lack checks can experience cashing difficulties. Review Source FG Francesca G. ICT Director Information Technology and Services Used the software for: 1-2 years ### "Good but Needs to Improve especially with Features and Customer Support" April 29, 2024 3.0 Using the existing features works greatly but for a while until you realize how limited their features are. Also, they should work on their customer support as they are very reluctant in responding to customer questions. Pros It is easy to set up and the available features works as expected. Cons Their customer support is lacking, they do not respond to client questions in time. In addition, they have limited features. Review Source IT Isaac T. Finance Manager Utilities Used the software for: 1-2 years ### "Defined and Consolidated Accounting Solution " May 6, 2024 5.0 Pros Deluxe Payment makes the process of accounting super transparent, and there is an incredible automation to improve performance. Cons Deluxe Payment is imperative, and complete, without challenges. Review Source AD Annah D. Sales Manager Transportation/Trucking/Railroad Used the software for: 1-2 years ### "Functional and Ideal Form of Reliable Payment " May 6, 2024 5.0 Pros Deluxe Payment Exchange has managed all the data, where recording of transaction is well accredited. Cons Deluxe Payment Exchange is conventional, faultless and determined. Review Source RM Roberto M. Marketing Director Food & Beverages Used the software for: 1-2 years ### "Inclusive Approach for Payment Assistance " April 25, 2024 5.0 Pros Deluxe Payment gives a focused form of payment, where suitable and controlled measures are fully deployed. Cons Deluxe Payment brings an assertive way of customer payment assistance without errors. Review Source AC Audrey C. Radio Broadcaster Broadcast Media Used the software for: 6-12 months ### "Perfect if you work for companies in multiple states." May 6, 2024 5.0 Customer service is top notch. I once had trouble logging in, so I emailed Deluxe Payment Exchange and got a quick response from customer service and the issue was resolved in no time. Pros Ease of use. When you receive the notification email that you've got a check ready, you can simply log in, print the check and deposit in your bank account. Cons I have not found anything to dislike about Deluxe Payment Exchange yet. Review Source VR Verified Reviewer Chief Operating Officer Commercial Real Estate Used the software for: 2+ years ### "Simple, Quick, and Easy to use." December 4, 2018 5.0 Very positive experience with Deluxe eChecks. Have called their customer service department and found them to be very positive and helpful. Pros Love the simplicity, the user interface, and the service of E Checking. I have used Deluxe E Checking for 5 years with no errors. Cons The cost per check is a bit expensive, but the trade off in convenience is worth it. Review Source VR Verified Reviewer president Machinery Used the software for: 1-2 years ### "Horrible" September 1, 2021 1.0 Extremely negative Pros Nothing it is a bad product to avoid at all costs Cons Horrible web site, Rude customer service Review Source Jessica A. Customer Care Agent Banking Used the software for: Less than 6 months ### "Not Complicated, But Time Consuming" August 27, 2019 4.0 I hated ordering checks because of the time it took to go through every step, it feels like it could be streamlined. However it's a pretty clean program and support is helpful when you can get it. Pros It was pretty straightforward to use, the interface wasn't super busy or dated. There were also some customization features. Cons It took like 20 minutes to order checks for a customer if it was their first order, and who likes to be on a call with an agent that long? The customer support could be difficult to reach at times as well. Review Source DH Daniel H. Owner Food & Beverages Used the software for: 2+ years ### "Stay Away! Too much hassle. Not easy to use anymore." September 3, 2022 1.0 Garbage. Pros Wt one time it was easy to print and email checks from anywhere. Cons 2 factor authentication. Must call them during their regular business hours for password and account assistance. Cross your fingers you dont have issues on a weekend! Review Source CC Charles C. Owner Motion Pictures and Film Used the software for: 2+ years ### "Archaic and a complete inconvenience. " May 27, 2023 2.0 I am to the point of dropping a vender if they continue to use Deluxe Checks as a payment system. Pros Easy if you are paying someone. That is about it. Cons As someone who receives deluxe checks, it is much more difficult to get your money without being sold additional services to get your money quicker for a fee. Review Source RD Rodney D. Owner Human Resources Used the software for: 2+ years ### "Worst Customer Support I have EVER Experienced!" July 9, 2021 1.0 Worse Customer Service Experience Ever. I have been LOCKED out of my account for over a month. And they don't care. Pros I loved the software and service until I had an issue (I was a user for over 10 years) Their Customer Support is the absolute WORSE I have ever experienced! EVER. Cons Horrible. Incompetent. Customer Service! Reason for choosing Deluxe Payment Exchange I knew the developers. Review Source SS SHELLEY S. Financial Administrator Religious Institutions Used the software for: Less than 6 months ### "Same as the cost of a stamp!" August 28, 2018 5.0 This program costs the exact same or less than a stamp, and in addition to saving my company money, it saves me time. It also saves my colleagues the stress of waiting for a check in the mail. I was able to still reimburse one person after she had to take an emergency flight out of state due to a parent's stroke, and I know having those funds quickly was helpful at that time. I love that I can send all of the emails, regardless of how many, at the click of a button, and only one of my colleagues (who uses an online-only bank) has had an issue depositing the check on his end. I would recommend this program to ANYONE who reimburses employees, even if they're all in the same office. Pros I love basically everything about this software - ease of use, the cost, the time it saves me. I work out of a different location than the majority of the rest of my colleagues, and using Deluxe eChecks enables me to make sure they are reimbursed quickly without the risk of their check being lost in the mail. It integrates almost seamlessly into Quickbooks, and I'm nowhere near an expert in Quickbooks. Cons Customer Service (both the support pages and the live chat) was less than desirable when I first added the program to Quickbooks - the issue was simple: I needed to add bank account information to my chart of accounts, but the level of service I was treated to during that process was not up to the same standard that the product maintains. Review Source AM Ari M. Engagement Coordinator Non-Profit Organization Management Used the software for: 1-2 years ### "Easy for me to receive my checks through work!" February 5, 2019 5.0 Pros This is such a quick and easy solution for me to get my weekly checks Cons none. this service has given me no issues Review Source CM Christoph M. Notary Public Legal Services Used the software for: 6-12 months ### "Not everybody accepts eChecks" June 14, 2021 5.0 I contacted the Customer Service twice and even though they could not resolve the issue they responded very quick and seemed to take the requests seriously. Pros If your bank accepts the checks, it is very easy and straight forward to get to your payment: download - print - cut it out - deposit via mobile banking Cons Unfortunately my bank stopped accepting them. After numerous calls I found out that they stopped taking those checks because the bounce rate of these checks was too high for them and therefore they want to protect their customers. Also most grocery stores that offer money services refuse to take them. Review Source BV Barbara V. Director of Property Management Hospitality Used the software for: 2+ years ### "E-Checks" June 3, 2019 5.0 Overall i love the swiftness of payment and no long time periods waiting for a check via snail mail. Pros It is a fast and easy way to get paid. I am a mobile notary and I absolutely loved getting paid via echeck. It is very convenient and you get your payment right away. Cons I have not had a negative experience so far. Great service. Review Source PL Philippe L. CTO Machinery Used the software for: Less than 6 months ### "Can't accept their checks through banking apps, support's solution "drive to the bank"" June 6, 2023 1.0 At every turn, a bummer. Their website is janky, and overall the platform seems old. Sounds like the leadership is out to lunch. Look elsewhere. Pros Nothing so far. I was able to reach their support fairly quickly, even though they were not helpful. Cons Unhelpful support, general lack of attention to the overall user experience. Using a banking app saves a trip to the bank. Banking apps require both front and back to be able to deposit the check electronically. "Deluxe" Payment Exchange doesn't provide the back of the check, which means you have to drive to the bank as a payee OR pay them money to process your payment otherwise. Review Source TP Troy P. Accountant Accounting Used the software for: Less than 6 months ### "Garbage" September 13, 2022 1.0 Support was as bad as the product. If you want to make your vendors unhappy, pay them this way. If you like your vendor SEEK another payment method. Pros Pros? Not here. I wish I could at least say something positive here but i REALLY CANNOT. This product is neither easy nor attractive from a price point. The user interface is daunting and complex when it should not be. Cons Takes WAY too long to receive payment, only to find out that printing checks while 'immediate' they will not deposit as printed to major banks. Their electronic ach costs 2.99% for a check - they have to be kidding Review Source TW Tina W. CEO Used the software for: 1-2 years ### "Experience has been awesome." March 13, 2018 5.0 Pros Customer service is very helpful. Easy to track checks. Page is very easy to read and navigate. Time saver. Review Source LW Lea W. Owner Used the software for: 2+ years ### "Great option for e-checks!" March 20, 2018 5.0 Pros Deluxe eChecks is an easy way to create checks digitally. One of their best features is the ability to also create and send checks through their Checkbook app on the go. Cons The only con so far is the pricing of the checks. They are significantly more expensive than paper checks and some other computer checks. Review Source RW Rachel W. Bookkeeper Religious Institutions Used the software for: 1-2 years ### "Great to order checks" May 7, 2019 5.0 Pros I love that it is easy to reorder checks from before, and it's great to customize what we want Cons They aren't the cheapest, but the customer service is great and I love the product Review Source VG Vanessa G. Account Manger Construction Used the software for: 1-2 years ### "Got me out of a pickle" August 23, 2022 4.0 Pros You can print or send an e-check that the receiver will pay for deposit. I liked this because I ran out of checks and it was a friday. This helped me because banks were going to close and I had no time to go to bank and come back to make a check. Cons I think its too expensive. You pay for 50 checks plus every individual check you make. Its excessive. Review Source SA Samantha A. Owner/Operator Hospitality Used the software for: 6-12 months ### "Cut our Payroll lead time by 75% - What used to take 6 hours now takes under 2. " August 2, 2018 5.0 #1 reason; time saver! Also easy to track history of check activity. Pros Easy to use, special features make sense and security is stellar. Staff can only download checks once - whether links or pdfs are sent. Cons I have had NO discrepancy since we started using Jan 2018. New hires are surprised to hear we "email paychecks" however once their hired in, they find it reliable and convenient since US Mail is not always on time. It's a great idea and glad it's here. Review Source LR Lori R. Office Management Consumer Electronics Used the software for: 1-2 years ### "DELUXE E-CHECKS are EASY!" April 10, 2019 5.0 I wished more businesses were aware of this service because it would allow faster pay out to the payee. Fast, convenient, easy and cost effective. Pros I appreciate the ease in use of the software. Being able to email the e-checks had made our daily AP processing faster and easier. I wished more businesses were aware of this service because it would allow faster pay out to the receiver. Cons I do not have any dislikes toward this software. Review Source Similar Products Featured