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PhoneCHEQ™ transaction processing allows businesses to receive consumer CHEQ™ payments by telephone.

A one-time authorization enables you to debit the customer’s account and deposit the payment into your Merchant account.

Goods can be shipped faster since funds are collected faster. Returns are received within 48-72 hours as opposed to 5-10 days with paper CHEQ™ transactions.

PhoneCHEQ™ Benefits

  • Eliminate CODs
  • Enhanced cash flow
  • Potential to lower bank fees
  • Electronic items clear faster than paper items
  • Simplified “back office” processing
  • Convenient and faster processing of checks
  • Higher collections on returns
  • Automate the NSF collection process
  • Quicker collection opportunities on returns
  • Customized integrated Software solutions
  • Electronic Accounts Receivable file updates
  • Electronic batch processing
  • IVR PhoneCHEQ™ acceptance also available
  • Eliminate All NSF Returned Item Fees With CHEQRecovery

PhoneCHEQ™ Process

A PhoneCHEQ™ is the acceptance of checking account information over the phone for payment of goods and services or a payment on account. This transaction is processed via the ACH network as a TEL transaction. It can be tied via TCP/IP connection to our secure Internet gateway for automated processing and online reporting or it can be processed through our UniCHEQ software.

PhoneCHEQ™ Facts

Acceptance of a CHEQ over the phone has been utilized by several industries over the past 20 years — insurance, health clubs, and auto ship programs to name a few. The difference today, with a PhoneCHEQ from CHEQ Processing, LLC., is the ability to process all the transactions as electronic items.

No paper drafts, No NSF fees related to paper item processing and No time delay in the receipt of your funds.

As with our other CHEQ services, CHEQrecovery is a part of the PhoneCHEQ process. Authorization is obtained at the time of the call, or in advance in the order process, returned items are handled according to
eRecovery guidelines.