Accept check by phone /fax/e-mail payments fast!
Deposit same day. No transaction fees!
Discover an effective debt collection software solution through CHAX Check by Phone. It allows for fast and secure payment reception via phone (even fax or email), streamlining your debt collections and boosting cash flow. Check out our user-friendly features to see how it can become a valuable addition to your business processes, ensuring timely payments and better financial control.
CHAX Debt Collection Software is the best value in check by phone, check by fax, and check by e-mail funds transfer system available.
With CHAX check by phone software, accepting check payments fast is as easy as 1-2-3.
Enter your customer’s check info
Print your checks
Deposit checks to bank
Now, collecting payments by check has never been easier or more convenient. When a customer says, “I’ll put the check in the mail,” you just tell them to “CHAX IT!!” – by fax, phone, or e-mail.
With the help of CHAX debt collection software, simply input your customer’s check information into any PC, print out a check, and deposit it to your bank the same day, with no additional fees!. It doesn’t get any easier than that. Just about anyone can use CHAX, from a sole proprietorship to large corporations.
If you need to receive check payments fast, then you can use CHAX.
Watch the video below to learn what is CHAX, and how it can benefit your business.
30-day money back guarantee. Starting at $99 per license.
CHAX is not just a check by phone (check by fax) software; it’s a financial safeguard, a beacon of convenience, and a testament to your commitment to security and efficiency. Embrace the CHAX revolution and turn your financial transactions into a streamlined, secure, and stress-free experience. Why CHAX Checks Stand Out:
No Per Transaction Fees: Say farewell to the nuisance of per-transaction charges. With CHAX, process each payment without worrying about additional costs.
Zero Recurring Fees: Embrace the simplicity of a one-time purchase. CHAX doesn’t tie you down with monthly or annual fees, ensuring a cost-effective solution for your check processing needs.
No Bank Fees: Cut down on traditional banking fees associated with check processing. CHAX allows you to manage your check payments with fewer bank charges, keeping your finances fluid.
Eliminate Delivery Fees: Overcome the expense of check delivery. CHAX’s electronic transmission means you can dispatch checks without the overhead of delivery or postage fees.
With CHAX, you’re not just printing checks; you’re crafting a legacy of efficiency, security, and satisfaction. It’s time to revolutionize the way you handle financial transactions. Join the CHAX movement and let your business thrive in the era of digital finance.
Current features for CHAX Version 10
Bulk import check transactions via CSV file.
(new CHAX 10 feature)
Automatically keeps track of customer’s checking account information
Automatically populates fields from saved checking account information.
Multi-level user definable security settings with user names and passwords for different functions
Create, print, or export the historical transactions
Use with multiple users over a network or on the same machine. One license required per machine.
A common scenario would be to take a check by phone from your customers, this could be either an inbound or outbound call, depending on your business. While on the phone, you will take your customer’s name and/or company name and address which is printed on their check. The customer may also give you an optional check number. You will also need the 9 digit routing number and the account number printed on the check. Finally, the check amount must be agreed upon during the transaction.
Checks by phone only require verbal authorization from the paying customer. Recording the telephone authorization or receiving a written authorization is not required, but it is best to have one for your records.
When accepting checks by fax or e-mail, it is even better simply because you can visually see the check information so you can save it for later use and as a valid authorization document.
We recommend creating a standard check draft authorization form that your customer can print and fax back to you, or you can request the actual copy of the check to be faxed. After receiving the fax or e-mail copy of the check, you can print the draft check for immediate deposit.
Any business that accepts check payments can take advantage of CHAX check by phone. Common companies include insurance agencies, wholesale vendors, sales and marketing agencies, collection agencies, and many more. ACH transactions are governed by National Automated Clearing House Association (NACHA) operating rules, unlike check drafting software systems like CHAX.
All businesses can benefit from taking checks by phone. Check drafts have been in use since the early 1990s, and CHAX is a pioneer in this industry. Many businesses can use CHAX to take checks by phone from customers, tenants, patients, clients, policy holders, and even B2B (business-to-business).
Accepting checks by phone is the easiest and most popular method to use CHAX with. You can take debt collections, accept payment for goods or services, and cater to customers or businesses who do not use credit cards. Just enter info, print, and deposit. No transaction fees, no recurring fees.
Check by phone is an inexpensive and secure method of transferring funds. Taking checks by phone, fax, or online do not require a signature. The draft checks that you deposit are just like regular checks: without discount fees, charge backs, or lease fees. By comparison, a mailed check could possibly get lost in the mail or stolen.
Generally speaking, the length to clear and process a check (or check by phone) usually takes about two business days (or 24 to 48 hours) from deposit. In some instances, the check clearing will take up to five business days for the bank to receive funds. How long a check clears will depend on several factors, including your account status, the payer’s account status, and the check amount.
Since all checks created with the CHAX check by phone system are regular bank checks, they can be deposited using mobile banking apps or teller capture check scanning machines. There is no difference to the deposit checks.
Yes, printing checks with your own printer is perfectly legal. Using Check by phone, check by fax and check by online software and services are also completely legal. You must, however, use special paper used for check printing.
More commonly named “Draft Check” or pre-authorized paper bank drafts have been in use in the industry since the early 1990s. The main requirement for Draft Checks is that you need written or verbal pre-authorization from the primary checking account holder. After acquiring the pre-authorization, the banks will only need to see a stamp saying that the check was pre-authorized.
For just pennies a check, you can stop waiting for checks in the mail, eliminate wasting time on collection calls, and improve cash flow.
CHAX is a funds transfer software developed by CHAX Software, Inc. (formerly CHAX, Inc.). CHAX is a standalone software product that allows the user to create a pre-authorized check for deposit using their client’s checking account information.
CHAX is as easy as:
MultiCHAX and CHAX are two different software products for different purposes:
The CHAX user’s customer will typically send a payment for a product or service, either by credit card or by check. Using CHAX benefits the user and customer in multiple ways:
The Automated Clearing House or ACH is a network that is a secure and efficient nationwide electronic funds transfer system that connects all U.S. Banks. The ACH networks act as a central hub for all EFT (Electronic Funds Transfer) transactions throughout the U.S. ACH transactions are process in large batches for both credit and debit transactions. The ACH network is ruled and governed by the Federal Reserve and NACHA (National Automated Clearing House Association).
ACH transactions include:
It must be clear that it is very important to receive pre-authorization from the account holder before completing an ACH transaction, in accordance with the rules and regulations of ACH. Financial institutions will not be able to simply issue the transactions without this prior authorization.
Originator
Any individual, corporation or other entity that initiates entries into the Automated Clearing House Network
Originating Depository Financial Institution (ODFI)
A participating financial institution that originates ACH entries at the request of and by (ODFI) agreement with its customers. ODFI’s must abide by the provisions of the NACHA Operating Rules and Guidelines
Receiving Depository Financial Institution
Any financial institution qualified to receive ACH entries that agree to abide by the NACHA Operating Rules and Guidelines
Receiver
An individual, corporation or other entity who has authorized an originator to initiate a credit or debit entry to a transaction account held at an RDFI.
The answer is yes. The pre-authorized or “Draft Checks” are legal under the Uniform Commercial Code.
Title 1:
Section 1-201 (39) Signed includes any symbol executed or adopted by a party with present intention to authenticate writing…
Title 3 – Commercial Paper:
Section 3-401 (1) Any writing to be a negotiable instrument within this title must (a) be signed by the maker or drawer; …
Section 3-401 (2) A signature is made by the use of any name, including any trade or assumed name, upon an instrument, or by word or mark used in lieu of a written signature.
According to Section 3-403 (1) A signature may be made by authorized agents or other representatives… No particular form of appointment is necessary to establish such an authority…
To upgrade to CHAX® Version 9.x from an earlier CHAX® 8.0 Build, please contact support. You will receive download instructions by email.
The default username for the CHAX® software is Admin, and the password is Masteradmin (Note: The user name and password are not case sensitive).
Each check sheet has three different portions, and each portion penetrates. The top portion would be the confirmation of the check, that the merchant would send back to their customer. The middle portion is the actual check, the merchant would take to the bank to deposit. The lower portion would be the file copy of the confirmation that the merchant would keep for their own records (For a display of a sample check click here).
After you have initially logged into the system, click on the payee button in your toolbar. Next, click on the ‘Add New’ button. This will now take you to the field where you can enter your company’s information starting with your company’s name. Then tab and enter your company’s address, and tab once more to enter the company phone number. After you have entered your company’s phone number, click on the ‘Complete Update/Add’ button. You will now see your company add up to the list of company’s available to be pick as a payee. Now, click on exit, and you will see a program box appear, that states: “Do you want to make (your company) the new default payee”. Select yes to make the company just entered the default payee otherwise select no. You will now withdraw back to the “Enter Check Information” screen.
To add a new user, password, and/or select rights for a new/existing user, log into the CHAX® software, which will then take you to the “Enter Check Information” screen. Then click on the ‘Maintain Password’ button on the toolbar. This will now take you to the ‘Security Permissions’ screen. Now, click on the ‘Add New User’ button. Next, enter the User ID for the new user, then hit the tab key and enter the new user’s name.
Once you have done this, click on the ‘Continue’ button. Now, enter the user’s password, and then hit the tab and re-enter the password. To the right of that field, you will see the ‘Permission List’. Click in each box, you would like the user to have the rights to. If you select “Supervisory” the user will have all rights to the software and you will not need to select each of the other boxes.
If, you would like to change the password for an existing user, click on the ‘Maintain Password’ button on the toolbar. This will now take you to the ‘Security Permissions’ screen. Left-click on the user from the list of users under the ‘Supervisory Function’ field. Then, click on the ‘Update User’ button. Now enter the new password for the user and then hit the tab and re-enter the password. Next, click on the ‘Complete Update’ button and you have now changed the password for that user.
Before you enter the check information for a check or select a payer, you will notice that a dialog box will appear stating that you must enter a check number before you are able to enter check information or select a payer. This is a new feature for the software, design to add additional security to the software. Due, to the fact, that users reported incidents that they forgot to enter a check number for a check and in turn had their checks returned from the bank.
The name entry is case-sensitive. Enter starting with a capital letter.
This varies, depending on how often you use the software. However, we recommend at least once a week, especially before you make any significant system or network changes.