Check by Phone, Check by Fax Software

CHAX®: check by phone, check by fax, and check by internet is the most cost-effective system for receiving payments available today. Checks by phone, fax, or e-mail software allows you to enter your customer's check information, print the information on a blank check form, and deposit the check to any U.S. bank for deposit the same day.system available. Checks by phone, fax, or e-mail software allows you to enter your customer's check information, print the information on a blank check form, and deposit the check to any U.S. bank for deposit the same day.

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 web. With the help of CHAX® user friendly software, simply input the check information into any PC, print out a check, and deposit it. Then it's back to business as usual. It doesn't get any easier than that. Just about anyone can use CHAX®, from a sole proprietorship to major corporations, if you need to receive check payments, you can use CHAX®.

Why Use Chax®?

For any business, who needs to receive payment quickly and securely, CHAX® is a must have.  How many times has a company paid fees for electronics funds transfer, or to "overnight" a payment. With CHAX® this is unnecessary. Customers can call and provide their check information over the phone, fax in a check or through the internet, saving you time, money, and stress.

To survive in today’s business atmosphere all companies must have a laser printer, a phone or a fax machine.  That’s all the equipment needed to take advantage and implement the CHAX® software. Why not capitalize on this investment, save your customers money, and hassle to boot!!!  Collect money instantly!!! Chax® is also great for periodical debits and collections.

Is it Legal to use Checks by Fax, Checks by Phone, Checks by Internet?

Check by phone, check by fax and check by internet are completely legal. More commonly named "Draft Check" or pre-authorized paper bank drafts have been in use in the industry since 1996. 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. Read our "Drafting Checks - Legal?" page for more info.

No Signature Required!

Such as a credit card payment over the phone does not need a signature, so can checks. The banks only need to see on the check that it has been pre-authorized, so they can process the check. Depending on your bank, the only other thing they might need is the use of a MICR toner for the check.

Accepted by Banks Nationally (Large or Small)

CHAX® is not a drawing board concept. The program is in use and accepted all across the country. Your bank needs no special instructions. They will automatically accept your CHAX® Check-By-Fax as they would any check. Accepted in all U.S. banks, including the following:

  • U.S. Banks large and small all accept CHAX checks!

What are some of the features of the CHAX® software?

  • Easy to understand and very usable interface
  • Automatically keeps track of customer's checking account information
  • Automatically populates fields from saved checking account information
  • User definable security settings with user names and passwords for different functions
  • Full database accumulation of historical transactions
  • Full multi-user capability
  • Saves transaction history
  • Designed for Windows XP, also runs on Windows Vista
  • Numerous other features
  • Provides standard ACH compatible data files ready to be sent to the ACH ODFI of your choice. Hard copies are provided for your records, as well as transmittal reports, to let you keep control of the funds involved. To learn more read "What is ACH?"

CHAX® is Used by Major Corporations

  • PPG
  • Plus Many More


In this day of increased credit card fraud, customers are wary about giving credit card numbers over the phone.  With CHAX®, they are secure.  Using CHAX® is in fact much safer because, unlike a credit card number, a CHAX® check must be deposited in a bank account.


Consider this; for a low, initial cost and just pennies a check, you can stop waiting for checks, eliminate wasting time on collection calls, improve cash flow, and best of all, you'll never need to hear another person say, "the CHECK is in the mail," again.

Using CHAX® is as easy as 1-2-3

fax machine 4166

Your customer faxes, e-mails, or phones in their check information.

Input your customer's check information into your computer using the CHAX® data entry screens.

Print out a pre-authorized check on your laser printer, using CHAX® check forms, accepted at any bank in the United States!

What our customers say:

"CHAX has prove to be quite profitable...and we were surprised by how many want to use it."
-A Major Mail Order/Catalog Business

"CMAC members find that their clients like the system so much they request to have checks CHAXed on a regular basis."
-Credit Managers Association of California (CMAC)

Money-Back Guarantee

If you're still not certain that CHAX® is right for you, take us up on our risk-free offer. Try CHAX® in your business for 30 days. If you are not convinced that CHAX® is the fastest, easiest and most economical collection tool you've ever used, simply return the software within 30 days for a refund* (less shipping and handling). Please call us to request for a Return Merchandise Authorization (RMA) number. You will receive instructions for returning the software and accompanying items.


Standalone check by phone, check by fax software for accepting payments. Deposit same day with no fees.


The versatile check printing software compatible with accounting programs such as QuickBooks and Peachtree.


View our pantented check stock for use with CHAX & MultiCHAX software.