CHAX 11 / DEBT COLLECTION SOFTWARE
When a customer says the check is in the mail, take it by phone, fax, or email instead. Enter the authorized check details, print the draft, and deposit it with your bank, with no CHAX transaction fees.
Start Free Trial See PricingFrom $10.75/month, billed yearly, or $299 lifetime. No per-transaction fees.
CHAX charges no per-check or recurring transaction fees.
Take authorized check details however your customer prefers.
Deposit at a teller, by scanner, or through mobile banking.
Help from a team that knows check software.
COMPARE YOUR COSTS
Set the sliders to match your business and see what each payment method could cost you each year.
HOW CHECK BY PHONE WORKS
01
Take the details by phone with the script, or by fax or email with a signed authorization form.
02
Enter the details on any PC, review the check, and print it on blank check stock.
03
Deposit it like any other check. Clearing time and acceptance depend on your bank, so talk to them before your first deposit.
BUILT FOR COLLECTIONS
Bring in checks from a CSV file and print them in batches. Included in Enterprise.
CHAX keeps track of each customer’s checking account information.
Fill in new checks from saved account information to reduce retyping.
Control who can do what with separate sign-ins. Included in Professional and Enterprise.
Every edition keeps a transaction history and audit log. Professional and Enterprise add reports with PDF and Excel export.
Licensed computers can share one database over your network. Each computer needs its own license.
WHO IT’S FOR
If you collect overdue accounts or need check payments faster than the mail delivers them, CHAX fits. It also serves customers and businesses that don’t use credit cards.
PRICING
Pay monthly or yearly, or buy a lifetime license. CHAX adds no per-transaction fees.
$10.75/month
Billed yearly at $129
Save $51 a year
Or $15 month to month, or $299 lifetime
Choose Standard$16.58/month
Billed yearly at $199
Save $101 a year
Or $25 month to month, or $399 lifetime
Choose Professional$24.92/month
Billed yearly at $299
Save $181 a year
Or $40 month to month, or $499 lifetime
Choose EnterpriseServer Edition is also available at $75/month, $699/year, or $999 lifetime. Want to try it first? Start the free trial, with no card needed. Trial checks are watermarked and not valid for deposit.
| Feature | Standard | Professional | Enterprise |
|---|---|---|---|
| CAPACITY | |||
| Checks per month | 25 | 100 | Unlimited |
| Your companies (payees) | 1 | 2 | Unlimited |
| Customers (payers) | Unlimited | Unlimited | Unlimited |
| Licenses | 1 per computer | 1 per computer | 1 per computer |
| Computers sharing one database | Unlimited | Unlimited | Unlimited |
| Largest check amount | $99,999.99 | $999,999.99 | $9,999,999.99 |
| EVERY EDITION | |||
| Create and print checks with a live preview | ✓ | ✓ | ✓ |
| Recurring checks, reviewed before printing | ✓ | ✓ | ✓ |
| Bank routing lookups | ✓ | ✓ | ✓ |
| Transaction history and audit log | ✓ | ✓ | ✓ |
| Import your CHAX 10 data | ✓ | ✓ | ✓ |
| PRINTING | |||
| Check position on the page | Middle only | Top, middle or bottom | Top, middle or bottom |
| Fine-tune print alignment | — | ✓ | ✓ |
| Reprint or reuse past checks | — | ✓ | ✓ |
| Remove Printed with CHAX Software | — | ✓ | ✓ |
| RECORDS AND TEAM | |||
| Reports with PDF and Excel export | — | ✓ | ✓ |
| Export the database | — | ✓ | ✓ |
| Import routing directory updates | — | ✓ | ✓ |
| Staff sign-ins and permissions | — | ✓ | ✓ |
| HIGH VOLUME | |||
| Bulk import checks from CSV | — | — | ✓ |
| Batch printing | — | — | ✓ |
CUSTOMER STORIES
“Amazing experience as always with calling this company. Everyone is so very helpful and will walk through with me what needs to be done. The customer service with this company is beyond reproach and always available to assist with any situation.”
Cher Bell
Celtic Bookkeeping and Tax Service, LLC
“Your support is what sold me on your product. The fact that you answer the calls and hop on my machine and make everything effortless sold me on your product.”
Darlene Diemer
Diemer Accounting, Inc.
FAQ
Check by phone lets a customer pay by check without mailing one. You collect the authorized check details by phone, fax, or email, then CHAX prints a check draft for you to deposit with your bank. Businesses use it for everyday payments and debt collection.
Yes. Businesses use CHAX to take checks by phone from customers, tenants, patients, clients, policy holders, and other businesses. Check drafts have been in use since the early 1990s, and it helps to understand what Check 21 means for remote deposits.
Check drafts are a long-established payment method when the payer has given authorization, and CHAX supports this with a phone script and an authorization form. Read our check by phone guide for more, and confirm the rules for your business with your bank or legal advisor.
A mailed check can get lost or stolen, while a check by phone never travels through the mail. Professional and Enterprise also add staff sign-ins and permissions, and our guide to check printing security covers good practices for your stock and printers.
It usually takes about two business days from deposit, and sometimes up to five. Timing depends on your account, the payer’s account, and the check amount.
Checks created with CHAX are regular bank checks, so they can be deposited through mobile banking apps or check scanners, as well as at a teller. Talk to your bank before your first deposit.
You need CHAX on a Windows PC, a printer, blank check stock, and MICR toner. Our guide on what you need to print your own checks covers the details.
No. CHAX has no per-transaction fees, so your software cost stays the same as your volume grows within your edition. Your bank’s own deposit fees and your check supplies are separate.
Yes. The CHAX 11 trial has every feature unlocked, including printing, and no card is needed. Trial checks are watermarked and are not valid for deposit.
Choose CHAX to receive check payments from others. Choose MultiCHAX to print your own vendor and payroll checks from your accounting software.
More answers are in the full CHAX FAQ.
Try CHAX free, or talk to our team about the right edition.
Start Free Trial Contact Sales