Security and efficiency of the payment system is critical to the financial and economics development. In comparing electronic-base and paper-based payment tools, the former possesses advantages in high efficiency, safety and convenience. Many countries, therefore, are putting their best efforts to promote the electronic-base payment system. In Taiwan, the government started to run e-check on September, 2003, hoping to replace paper checks requiring men-handling. However, market reactions to e-check is not as promising as expected, with only limited amount or number of payment, users and financial institutions participating in this system. This article explores e-check practice from regulation, usage and clearing house practice, SWOT analysis in line with the innovation theory. The study found that of the low utilization rate of e-check in Taiwan are attributable to inconvenience and high cost, which both failed to satisfy users' need. Finally, the study also suggests increasing channels of usage, establishing common platform for system network to educate and promote users at simplify the born ends operating process, are all critical to the development of e-check in Taiwan,