How Do You Accept a Check by Phone?

How Do You Accept a Check by Phone?

Accepting a check by phone is very easy if you know what to do. It’s about as difficult as doing manual credit card processing over the phone, and you’ll be following many of the same steps in regards to collecting information and ensuring that the funds are transferred to your account. Only those with merchant accounts are able to accept checks via this method, so be sure to have an account before trying this.


There are two different methods for accepting checks over the phone, and it largely depends on your processing system and merchant account. The most common way is to enter the check’s information via the computer, such as the routing number and personal details, so that the funds are added to your account. The other way is to enter the information, and then print out a physical check with all the numbers and details. You can then deposit this check into your account.

Both methods are considered safe and take about the same amount of time, though the former might take a day longer on average.


Merchant accounts are required for processing a check over the phone. Most accounts offer this as an optional feature, but you’ll typically have to pay a fee for using this tool. The fee depends on how many checks and how much money you intend on processing. One of the problems with this method is that you are limited based on your account, but this also prevents fraud and keeps both you and the customer safe. Be sure to set your account based on your realistic expectations. If you’ll only process $5,000 in checks every month, then there’s no need to set your account limit to $15,000.

Collecting Funds

This is very similar to manual credit card processing over the phone. The client will call you with the check’s details.
Just open your system, enter the details and process the payment accordingly. Like with most checks, you should have the money within a few days. There is the same amount of risk as accepting physical checks in general, and most merchants find this a reliable and safe way to collect money.


Accepting checks by phone is very easy. You just need the right account and system, which is generally provided by your financial institution, and then the details of the check to collect payment. Just be sure to set your account accordingly so that you don’t run into any issues.

Accepting Checks By Phone

A business owner will want to give his or her customers the opportunity to make payments in various ways. Accepting checks by phone is one way a business may decide to collect payment. The procedure can be tricky because of the verification issues that may arise during a phone payment. In other words, the business owner cannot truly verify over the phone that the person who is making the payment owns the bank account in question. Such a process is legal and acceptable, however. Many companies do accept checks by phone, and a large portion of such transactions goes smoothly. A business owner would need to take a few steps to obtain a customer’s verbal authorization for the charges. Having the appropriate software or merchant account in place can aid a business in avoiding messy transactions.

Credit card processing should be the primary payment choice for business owners with merchant accounts. However, some consumers prefer to use their checking accounts for over-the-phone payments. A number of consumers still has old-fashioned paper checks, and many consumers do not use credit cards, debit cards or cash to pay their bills.

A business should have check-by-phone software installed into its company computers. The special software will aid a person in entering information such as account number, routing number, check number, name, address, telephone number and so forth.The person who takes the payment should restate the charge, and he or she should ask the customer to agree to it. After the person receives transaction approval from the customer, he or she can submit the payment request. Advanced check payment software can check the consumer’s bank account for validity. It may also check the bank account to ensure that the balance is available. The software’s capability will depend on its manufacturer.

Merchant Accounts With ACH Processing

A business owner can elect to sign up for an ACH merchant account. It can serve as an alternative to credit card processing. Such an account would work by charging the merchant a flat fee for each electronic check that it processes. Paper checks would have a higher fee. Such accounts can benefit a business owner by providing failed payment notifications and non-sufficient funds transactions instantly. The business would know immediately if a check is bad, and if someone has to request an alternative payment from the customer. ACH payment processing software is available online for free demonstration.



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