Debt collection software with check by phone.
Skip the card fees. Take a payment by phone or fax, print a check drawn on your customer's account with their authorization, and keep the record. Built for collection agencies, business owners and the accountants who run their books.
Every feature unlocked. Download link by email, no card needed.
$0.50
typical cost per check
$9.99M
max check amount (Enterprise)
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
Getting paid shouldn't cost you 3% of every payment.
Your customer agrees to pay. Then you wait on a mailed check, or hand a slice of it to a card processor. CHAX 11 takes the check by phone and closes the gap while they're still on the line.
Paid while they're on the call
CHAX builds the phone script from the check. Cover the amount, the date, the account and the payer's yes, then print.
Keep the fees you'd have paid
No card fees on any payment, large or small. On big invoices, that's real margin back in your pocket.
A record for every payment
Every authorization, print and reprint lives in one audit log with before-and-after values. Ready if a payment is ever disputed.
How it works
How to accept checks by phone or fax.
Keep the details in view, the next step obvious, and the final decision in your hands.
01Start with the details
Create a check from your payer and payee records, or bring in a whole batch. CHAX finds the bank from the routing number.
CREATE / IMPORT
02See it before you print
Review the preview, amount, printer and stock layout together. Print the check with the payer's authorization on file.
REVIEW / PRINT
03Pick up where you left off
Find past entries, reprint or reuse them, and prepare recurring checks when they're due. Nothing prints on its own.
FIND / REUSE
Take a look inside
Less explaining. More showing.
Real CHAX 11 screens, from entering a payment to cleaning up a batch of 47 checks.
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
Collections software for the people who collect payments.
Business owners, accountants and billing teams who get paid by phone, by fax or on a payment plan.
Accounts receivable teams
Accounts receivable collection software for overdue invoices, without waiting on the mail. Customers sign an authorization and fax, email or scan it back.
Accountants and bookkeepers
Run collections for several client companies. Staff permissions decide who can collect for which client.
Collection agencies
Collection agency software that takes a check by phone while the debtor is on the call. Turn a settlement into a plan of recurring checks.
Medical, dental and billing offices
Medical collections made simpler. Settle a patient balance by phone and keep the authorization with the payment.
Property managers
Collect rent, deposits and late fees from tenants who would rather pay by phone than mail a check.
Wholesalers and suppliers
Let customers on terms pay by phone or fax, so card fees don't eat into large-order margins.
The small things
Fewer clicks. Fewer surprises.
The everyday details that save a minute here and a mistake there.
WRITING CHECKS
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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.
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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 25Β’ 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. Every edition shares one database across your office.
Standard
Check printing for one company.
$15/mo
$11.25/mo for your first 3 months
- β 25 checks per month
- β 1 company (payee)
- β Live preview, recurring checks, audit log
- β Checks up to $99,999.99
Professional
Reports, staff permissions and more payees.
$25/mo
$18.75/mo for your first 3 months
- β 100 checks per month
- β 2 companies (payees)
- β Reports with PDF and Excel export
- β Staff sign-ins and permissions
- β Checks up to $999,999.99
Enterprise
No monthly limits, built for volume.
$40/mo
$30/mo for your first 3 months
- β Unlimited checks and companies
- β Bulk CSV import and batch printing
- β Everything in Professional
- β 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. Every feature works. Checks print with a DEMO mark until you add a license.
Start your trialNo card needed Β· Windows PC Β· macOS coming early 2027
FAQ
Debt collection software and check by phone, explained.
Still deciding? Talk to us and we'll walk you through your first payment.
Collect by check. All together.
Stop paying card fees on money your customers already agreed to pay. Download CHAX 11 debt collection software and print your first check today.
Start your trialSubscriptions from $15/mo Β· Lifetime licenses from $299