#30unit 2e commerce payment system
Digital checking payment system
Electronic checks that debit bank accounts.
Paying a bill via EBPP
A consumer logs in to their bank's online bill-pay service, views their electricity bill, and authorises an electronic funds transfer from their checking account — no paper check and no credit card involved.
Bank online bill-pay, Dwolla, and biller-direct sites (e.g. utility company portals) are digital checking examples.