Yes usually talking to a human
But I've also got wire transfers from customers where I give them a account number and bank name and it's basicly the same thing,
The only catch is a trust level to where the correct amount is taken from your account in the e-check deal,
I have used an automated system to pay by check too it works just fine not a whole lot different than paying with a debit card
No 3 number security code on the back of the card to enter but numbers wise it's similar
Routing number and account/ amount = done.
Hope for the best