Introducing CHAX: the most cost-effective check by phone and debt collection software solution today.

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.

What is CHAX? (check by phone)

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.

Check by phone


Enter your customer’s check info

Secure check printing


Print your checks

check by phone


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.

CHAX Debt Collection Software Explainer Video

Watch the video below to learn what is CHAX, and how it can benefit your business.

Buy CHAX: Debt Collection Software – Risk Free!

30-day money back guarantee. Starting at $99 per license.

Benefits of using CHAX: Check by Phone Debt Collection Software

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.

  • Time Efficiency: Streamline your financial operations with CHAX software. Say goodbye to the tedious tasks of writing, mailing, and reconciling checks. Reallocate those saved hours to propel your business forward, focusing on growth rather than paperwork.
  • Enhanced Security: With CHAX, your financial transactions are as secure as a vault. Enjoy peace of mind with instant confirmation of receipt, ensuring your checks never go astray.
  • Bypass COD Hassles: Free yourself from the constraints of COD charges. CHAX checks streamline your operations, ensuring smooth and uninterrupted business transactions.
  • Enhanced Record-Keeping: CHAX transforms your check management into a digital fortress. Easily store, search, and retrieve your financial transactions, making record-keeping a breeze and tracking every dollar a simple click away.
  • Instant Verification: Build stronger relationships with vendors and suppliers through the power of instant verification. CHAX provides immediate confirmation of payment, fostering trust and transparency in every transaction.
  • Remote Working Compatibility: CHAX embraces the modern workforce. Whether your team is across the hall or across the globe, CHAX facilitates check issuance from any location, ensuring business continuity and flexibility.
  • Customer Satisfaction: Delight your vendors and customers with the promptness of CHAX. Faster payment processing means happier partnerships and a reputation for reliability and efficiency.

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

How does CHAX work?

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.

Can you take a check over the phone?

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.

Is check by phone safe?

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.

How long does it take a check by phone to clear?

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.

Do CHAX checks by phone / fax / e-mail work with mobile banking?

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.

Is it legal to print checks at home?

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.

CHAX is the most cost-effective bank draft software solution.

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 trusted by these Fortune 500 Companies

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CHAX Frequently Asked Questions (FAQ)

What is CHAX?

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:

  1. Receive your customer’s check information by phone, fax, or web
  2. Enter the check information into the CHAX software
  3. Print your check for same day deposit

MultiCHAX and CHAX are two different software products for different purposes:

  • MultiCHAX is a check printing and writing software add-on for accounting programs to allow users to print your own checks on blank check stock to be used for payroll and accounts payable. Also works on pre-printed checks to add signatures and logos.
  • CHAX is a standalone funds transfer system that allows users to accept and print pre-authorized checks from their customers to be deposited the same day.

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:

  • There are no transaction fees for using CHAX. The user avoids expensive credit card transaction fees, and can easily pay for itself with savings within a few months.
  • Check customers avoid having to send checks and pay for postage or overnight delivery.
  • Sending checks by phone or fax is more secure than mailing. The checks will never get lost in the mail.
  • CHAX checks are safer than regular checks. When you send a CHAX check you are providing no more information than if you mailed the check. Checks can be intercepted or lost in the mail. CHAX are sent by fax and thus you have positive, instant confirmation of their receipt. CHAX checks look different from regular checks and so cannot be easily cashed but must be deposited into a bank account, leaving an audit trail.
  • You control your money. You control the float. Moreover, you can send the CHAX checks on the day you wish to release the funds. Also, you no longer have to build in extra time to cover delays.
  • You can eliminate the need to use an expensive overnight delivery service when you have to get a check dispatch in a hurry.
  • If you have merchandise on hold for receipt of funds, you can get it shipped the same day.
  • You can avoid COD charges and the problems of having to leave the check ready and waiting for the trucker.
  • Using CHAX checks instead of credit cards will not tie up your credit card available credit and will avoid the hassles of getting reimbursed for business purchases.
  • Keep your accounting simple. CHAX checks are generated by you just like regular checks (you create a regular check, fax it, and retain the original for your records). If you use CHAX instead of your credit card, you won’t have to analyze and allocate your credit card account statement for tax and audit purposes.

ACH (Automated Clearing House)

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:

  • Direct Deposit of payroll
  • Social Security
  • Tax refunds
  • Direct Payment of consumer bills such as mortgages, loans, utility bills, and insurance premiums
  • Business-to-Business payments
  • E-checks
  • E-commerce payments
  • Federal, state, and local tax payments

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.

ACH Terms and Definitions

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

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.

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.

For versions earlier than 8 you should order an upgrade from the CHAX online store

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.

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.

Ready to try CHAX?
Try our free demo or buy it now.