Accept Payment By Check with CheckWriter:

How do I accept payment by check?
What allows me to accept payment by check?
Can I accept payment by check online?

Overview:
All businesses can accept payment by check with ease. CheckWriter is the most popular way to accept payment by check remotely from customers, clients, tenants, policy holders, and patients.

How to:
You can accept payment by check from your customers by inbound or outbound call. Direct marketing, telemarketing, sales, collections, dating services, MLM, credit counseling, insurance agents, and just about any industry can accept checks by phone using CheckWriter software.  Unlike ACH systems that are governed by N.A.C.H.A. regulations, check drafting is not.

Over the phone, take the customer's name and/or company name and address that is printed on their check, then ask for the check number (optional), the 9 digit routing number  ex. |:123456789|: and the account number.  Be sure the customer agrees to the amount of the check, and you are done.
Fax checks are the easiest to process and the most accurate, because you have an actual picture of the check from the fax.  This way, there is no confusion as to what the routing number, the account number or even the check number are.  Just take the information from the face of the check yourself.

In addition to accuracy, when you accept payment by check via fax, it will create a paper trail where you the merchant will have written proof of authorization.  Although not required for check drafting, this is a valuable loss prevention tool, especially in industries that are considered high risk or may have potential for fraud or misuse.

What next:
After you accept payment by check via phone or fax, you use software like CheckWriter™ to enter the information you gathered, and then with  a laser or ink jet printer, you create a draft of the check, with no signature required.

CheckWriter™ will print a draft that you can then deposit into any U.S. bank the same day.  The draft will be treated just like a check you receive through the mail or over the counter.  Just endorse the back, and make your deposit.

Accept Payment by Check with Check by Phone - The Benefits:
Phone checks are easy to process and require only verbal authorization from the customer. Because N.A.C.H.A. regulations do not apply to check drafting, you do not need to record the telephone authorization.

In the name of accurate record keeping, you can enter notes about the conversation, or inbound caller ID information into the NOTES section of the CheckWriter software.  This can help to keep a record of how the transaction was initiated in case the customer has questions in the future.

CheckWriter™ software has built in routing number validation, so should you happen to transpose the routing number and account number when you accept check by phone details, or if you get the routing number wrong completely, the built in validation script will let you know.

Use CheckWriter Software to accept check by phone payments:
When you use CheckWriter™ software, you can enter this information into the main screen of the software while you are on the phone.  This way, you don't need to double-type the details, and there is less room for human error.  Just follow the prompts tab by tab and ask the check by phone customer the questions as they appear.  Once you finish completing the main screen, you can print the draft of your phone check immediately.

Conclusion:
CheckWriter™ software will allow you to accept check by phone payments, checks by fax, and checks online.  Taking a check by phone is the most popular method available because you can get impulse sales, take immediate collections, cater to non-credit card customers and there are no special procedures or cumbersome documentation requirements.  Just ask, enter, print and deposit.

For additional information about taking checks by phone, see the FAQ page.

Checks by fax:
Learn how to take checks by fax.
 

Not convinced? Click Here to see why you should choose CheckWriter™.