Clothing Stores That Accept Checks Online in 2025: Your Shopping Guide

In 2025, while digital payments like credit cards and mobile apps dominate online shopping, some clothing retailers still accept checks or electronic checks (eChecks) for those who prefer traditional payment methods. Paying by check offers a paper trail and avoids credit card debt, but it’s less common due to slower processing and fraud risks. This guide lists top clothing stores accepting checks or eChecks, explains how to pay, and covers benefits, limitations, and tips for secure transactions.

Why Use Checks for Online Clothing Purchases?

Checks remain appealing for shoppers avoiding digital fraud, lacking credit cards, or preferring direct bank payments. eChecks, processed via the Automated Clearing House (ACH), are faster and more secure than paper checks, taking 1-3 days versus 7-10 for mailed checks. However, only about 3% of retail transactions use checks due to declining popularity and retailer restrictions. Using PayPal linked to a checking account also expands options, as many stores accept PayPal but not direct eChecks.

How to Pay with Checks Online

There are three main ways to pay by check at online clothing stores:

• eChecks: Enter your bank routing and account numbers at checkout for direct ACH transfer. Verification takes 1-3 days.
• Paper Checks: Place an order online, select “Check/Money Order,” and mail a paper check to the retailer’s address within 7-15 days, or the order may be canceled.
• PayPal-Linked Checks: Link your checking account to PayPal, verify it (3-5 days), and use PayPal at checkout for stores accepting it. This draws funds directly from your bank.

Always confirm the store’s payment policy, as some require ID details (e.g., driver’s license) or limit check payments to specific items.

Top Clothing Stores That Accept Checks Online

Below are leading clothing retailers in 2025 that accept checks, eChecks, or PayPal-linked checks, ordered by variety and convenience:

Retailer	Check Type Accepted	How to Pay	Notes
Amazon	eCheck, Amazon Pay	Add checking account at checkout; enter routing/account numbers. Amazon Pay uses linked bank account.	Wide clothing range via third-party sellers; no PayPal.
Walmart	eCheck, PayPal, Paper Check	Select PayPal or eCheck (via Certegy PayNet) at checkout. For paper checks, choose “Pay with Cash” and pay at a store.	Affordable clothing; eCheck for most items, paper check limited.
Macy’s	PayPal-linked eCheck	Choose PayPal at checkout, sign in, and select linked checking account.	Upscale fashion; no direct eCheck option.
Abercrombie & Fitch	PayPal-linked eCheck	Select PayPal at checkout and use linked checking account.	Trendy casual wear; no direct checks.
QVC	Paper Check	Choose “Check/Money Order” at checkout; mail check within 10 days.	Fashion and accessories; no eCheck option.

Benefits of Paying with Checks

Using checks for online clothing purchases has distinct advantages:

• No Debt: Avoid credit card interest, ideal for budget-conscious shoppers.
• Paper Trail: Checks provide clear transaction records, unlike digital wallets.
• Accessibility: Great for those without credit/debit cards or digital payment apps.
• Security: eChecks via ACH reduce fraud risk compared to mailed checks.

Limitations of Paying with Checks

Despite benefits, checks have drawbacks:

• Slow Processing: Paper checks delay shipping (7-15 days); eChecks take 1-3 days.
• Limited Acceptance: Only 3% of transactions use checks, and many retailers (e.g., Target, Gap) ban them online.
• Fraud Risk: Mailed checks can be lost or stolen; eChecks require secure platforms.
• Verification Delays: PayPal or eCheck setup takes 3-5 days for new accounts.

Tips for Secure Check Payments

Maximize safety and efficiency with these tips:

• Verify retailer policies on their payment FAQ page or via customer service.
• Use eChecks over paper checks for faster, safer transactions.
• Link PayPal to your checking account for broader store access (e.g., Macy’s, Abercrombie).
• Double-check routing/account numbers to avoid delays or rejections.
• Mail paper checks via tracked shipping to prevent loss (e.g., for QVC orders).
• Monitor your bank account for unauthorized transactions after paying.

UK and Global Context in 2025

In the UK, check usage is even lower than in the US, with digital payments like Apple Pay and debit cards dominating. However, retailers like Amazon UK accept eChecks via bank transfers, and PayPal-linked checks work globally. In regions with less digital banking access, checks remain vital, but online clothing stores increasingly favor faster methods. Check acceptance varies by region, so always confirm with the retailer.

Final Thoughts on Shopping with Checks

In 2025, clothing stores like Amazon, Walmart, and Macy’s offer check payment options, primarily via eChecks or PayPal, with QVC accepting mailed checks. These methods suit shoppers avoiding credit or digital wallets, providing a secure, debt-free way to buy fashion. However, limited retailer acceptance and slower processing make checks less convenient than cards or apps. Use eChecks for speed, verify store policies, and consider PayPal for flexibility. With careful planning, checks can still power your online wardrobe upgrades.