Check by phone software that gets you paid on the call.
Accept a check by phone or fax with the payer’s authorization. CHAX 11 builds the phone script, prepares the form, prints the check and keeps the record.
Every feature unlocked. Download link by email, no card needed.
Phone
script built from the check
Fax
authorization form as a PDF
Full
audit trail on every check
$0
card fees, on any payment
Watch the demo
See CHAX 11 in action.
47 seconds, from chasing payments to printing the check.
Why CHAX 11
When they say yes, take the payment.
A promise to mail a check can wait for weeks. CHAX 11 closes the gap while your customer is still on the line.
A script for every call
CHAX builds it from the check, so the call covers the amount, the date, the account and the payer’s yes.
A form for every fax
Send a PDF authorization. They sign it and fax, email or scan it back, with bank details or a voided check.
A record for every payment
Every authorization, print and reprint is in the audit log if a payment is ever disputed.
How it works
How to accept a check over the phone.
Get the authorization, print the check, deposit it.
01Get the details
The payer gives you their routing and account numbers. CHAX finds the bank from the routing number.
CALL / FAX
02Get the authorization
Read the script on the call or collect the signed form, then review the check before printing.
AUTHORIZE / REVIEW
03Print and deposit
Print the check, deposit it like any other and keep the authorization with the payment.
PRINT / DEPOSIT
Take a look inside
Less explaining. More showing.
Real CHAX 11 screens, from entering a payment to cleaning up a batch.
A check. A clear preview.
Enter the payer, payee and bank details and watch the check build beside you. Find a bank by name or routing number, then add it to a batch or make it recurring.
Try it yourself
Who it’s for
For anyone who gets paid by phone or fax.
Business or consumer, the script and form are worded for whoever is authorizing.
Collection agencies
Take a check by phone while the debtor is on the call.
Accounts receivable teams
Collect overdue invoices with a signed authorization.
Medical and billing offices
Settle a patient balance by phone and keep the authorization with it.
Property managers
Collect rent and late fees from tenants who would rather pay by phone.
Wholesalers and suppliers
Let customers on terms pay by phone or fax, without card fees on large orders.
Accountants and bookkeepers
Collect for several client companies, with staff permissions.
The small things
Fewer clicks. Fewer surprises.
The everyday details that save a minute here and a mistake there.
WRITING CHECKS
-
A preview that keeps up
The check updates as you type, so you see it before anything prints.
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Find a bank without the number
Search by bank name, routing number or city, right beside the check.
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Bank details stay put
Account and routing numbers lock on saved payers, so they can’t change by accident.
PAYMENT PLANS
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See what’s coming
Every schedule shows its upcoming dates in plain English as you set it up.
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Stops when it should
Set twelve payments and the schedule pauses itself after twelve.
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No duplicate numbers
Check numbers count up on their own and skip numbers already used.
EVERY DAY
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Your month at a glance
Home shows checks this month, the amount printed and what’s waiting to print.
-
Imports that check themselves
Drop in a CSV and problem rows are flagged before printing (Enterprise).
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Keyboard shortcuts
Ctrl+N for a new check, Ctrl+I to import, Ctrl+T for transactions.
What you keep
Card fees grow with every payment. A CHAX check doesn’t.
Set the sliders to match your business and see what you’d keep each year.
Yearly estimate. CHAX cost is the edition subscription that fits your volume (Standard $15/mo up to 25 checks, Professional $25 up to 100, Enterprise $40 unlimited) plus about 25¢ of blank check stock and MICR toner per check. Bank deposit fees aren’t included. Your own rates will vary.
Saved vs card fees, every year
$15,420
That’s about $1,285 a month back in your business.
Cards
$16,020
ACH
$4,320
CHAX
$600
Pricing
Start with a subscription. Or own it for life.
25% off your first 3 months on monthly plans. Code CHAX11INTRO is applied at checkout.
Standard
Check printing for one company.
$15/mo
$11.25/mo for your first 3 months
- ✓ 25 checks per month
- ✓ 1 company (payee)
- ✓ Live preview, recurring checks, audit log
- ✓ Checks up to $99,999.99
Professional
Reports, staff permissions and more payees.
$25/mo
$18.75/mo for your first 3 months
- ✓ 100 checks per month
- ✓ 2 companies (payees)
- ✓ Reports with PDF and Excel export
- ✓ Staff sign-ins and permissions
- ✓ Checks up to $999,999.99
Enterprise
No monthly limits, built for volume.
$40/mo
$30/mo for your first 3 months
- ✓ Unlimited checks and companies
- ✓ Bulk CSV import and batch printing
- ✓ Everything in Professional
- ✓ Checks up to $9,999,999.99
Server Edition also available. Each computer running CHAX 11 needs its own license. Not sure which fits? Talk to us.
Try every feature before you spend a dollar.
Tell us a few details and we’ll email your download link. Checks print with a DEMO mark until you add a license.
Start your trialNo card needed · Windows PC · macOS coming early 2027
FAQ
Check by phone and fax, explained.
Still deciding? Talk to us and we’ll walk you through your first payment.
When they say yes, take the payment.
Start your trialSubscriptions from $15/mo · Lifetime licenses from $299