Online transactions are a revolution, and there are many great websites that offer the best methods for transactions. However, waiting for the check and cash can be a bit irritating. That is why check 21 was made. This method allows the person to make electronic payments to the merchant as many times as he wants. It is faster and cheaper than other transactions too. It requires only one day for transactions. There is no third person involved, and the transaction occurs directly from the customer to the merchant’s account. The customer has to debit his account first for the transaction to take place.