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.
Is it Legal to use Check by Phone, Check by Fax, 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®: Checks by Phone 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:
- BANK OF AMERICA
- FIRST INTERSTATE BANK OF CALIFORNIA
- AMERICAN SAVINGS BANK
- HUGHES AIRCRAFT EMPLOYEES FEDERAL CREDIT UNION
- U.S. Banks large and small, all accept CHAX checks!
What are some of the features of the CHAX®: Checks by Phone software?
CHAX® is Used by Major Corporations
- 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
- *NEW* ASC banking standard compliant for the External Processing Code (EPC)
- ABBOTT LABS
- THE DALLAS MORNING NEWS
- NEW ENGLAND BUSINESS SYSTEMS
- PUGET SOUND FREIGHT LINES
- FRUIT OF THE LOOM
- U.S. FOODSERVICE, INC.
- 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
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)
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.