eCheques are payments from buyers who have attached their bank details to their PayPal account, but do not have a valid backup funding source such as a credit or debit card. It may also be that the backup card for the account has expired. So to ensure that a secure payment can still be made, an eCheque is generated. eCheque payments normally take around seven to nine working days to clear. To avoid sending eCheques, make sure you add or update a valid credit or debit card to your PayPal account. However, there are occasions when eCheques are generated due to other security reasons and therefore cannot be avoided.