Debt collection software helps a business or agency recover money it’s owed: tracking accounts, contacting the people who owe, and taking payments. CHAX 11 is the payment part. When someone agrees to pay, CHAX turns their bank details and authorization into a check drawn on their account, ready to deposit, and keeps the record.

Use it on its own, or next to the system you already use to manage accounts: Enterprise imports checks from a CSV export.

A payment taken over a call. The payer reads you the routing and account numbers from one of their checks and agrees, on the call, to a check for a set amount and date. You print that check yourself, drawn on their account, with “This payment has been authorized by your depositor” where a signature would go, and deposit it like any other check.

CHAX 11 builds the phone script from the check, so the call covers the amount, the date, the account and the payer’s yes. Keep a recording or your notes with the payment.

The same payment, authorized in writing. You send the payer an authorization form; they sign it, add their bank details or tape a voided check in the box by the signature, and fax, email or scan it back.

CHAX 11 prepares the form from the check as a PDF, for one payment or for a whole payment plan. When it comes back signed, print the check and keep the form on file.

It’s the check itself. A check you print on the payer’s account with their permission, without their handwritten signature, is called a remotely created check (RCC), a demand draft or a preauthorized draft. It clears through the banking system like any other check.

Because there’s no signature, the authorization carries the weight: under Regulation CC, the bank that takes your deposit warrants that the payer authorized the payee and the amount. That’s why CHAX keeps the authorization with every check.

Yes, when the payer clearly authorizes the amount and you can show it. Banks ask for that proof if a payer disputes a check. Debt collectors also follow the Fair Debt Collection Practices Act and Regulation F, and the FTC’s Telemarketing Sales Rule doesn’t allow remotely created checks as payment for goods or services sold by telemarketing.

Talk to your bank before your first deposit, and to your legal advisor about your own situation. This isn’t legal advice.

B2B is a business collecting from another business: invoices on terms, larger amounts, and someone signing for the company. B2C is a business collecting from a person: a patient, tenant, customer or debtor, often smaller amounts and payment plans.

CHAX 11 handles both. When you prepare an authorization, choose whether a person or a business is authorizing (CHAX guesses from the name), and the form and phone script are worded for them.

Yes. Turn any check into a recurring schedule, weekly, every two weeks, monthly and more, for a set number of payments or until you stop it. One authorization can cover the whole plan. CHAX prepares each check when it’s due and waits for your review; nothing prints on its own.

A Windows PC (a macOS version is coming in early 2027), a laser printer and blank check stock. Many banks also ask for MICR toner. Then the payer’s routing and account numbers and their authorization: CHAX finds the bank from the routing number and prints the MICR line along the bottom.

Most banks accept remotely created checks, but some have their own rules or ask you to tell them first. Talk to your bank before your first deposit, and print on check stock with MICR toner so the bank’s machines can read the bottom line.

It prints checks, but it’s built for collecting payments: checks drawn on your customer’s account with their permission. To print checks from your own business account to pay bills and vendors, see MultiCHAX 11, our check printing software.