"As a commercial collection agency, taking checks by phone, fax, e-mail, and via our website is one of the most important and powerful tools we can give our collectors to get payments made immediately. We can also receive payments from our clients when they are paid direct and we have to invoice them. We just include a Check by fax or e-mail form, which I created, with our invoice or we refer them to our "Pay by Vcheck" link on our website. For debtors it gives them the opportunity to pay their account without ever speaking to a collector on the phone.R. Eskin, United States Credit Adjustment Corp.
I have been in collections for over 35 years, and this is by far the best program of its kind I have ever used. On the VERY rare occasion, I need assistance; I receive a call very promptly and have never had an issue the support department could not talk me through. I give Vcheck my highest recommendation! I could not imagine having to run this agency without having Vcheck. Ninety percent (90%) of my debtor payments are paid via Vcheck. You do the math!"
Overview of How Checks by Phone Works
Since 1996, our checks by phone, checks by FAX, or checks by Internet software system has been used by thousands of insurance agencies, government agencies, and businesses - small and large alike. There is never a per check, per transaction or discount fee!
Vcheck is absolutely the best system for instantly accepting checks online, by phone, or by fax. It includes a secure online form for your customers to complete (along with a special form for your staff to use for checks by phone or fax orders), you are instantly notified of new checks via email, and no re-keying of data is required. Your checks are created in ready-to-print PDF format - just print and take to the bank or via your bank check scanner or photo deposit! This system is much faster and less expensive than ACH or EFT check transfers!
Vcheck is NOT an ACH (Automated Clearing House) or EFT (Electronic Funds Transfer) system. In fact, our Vcheck | Echeck system is faster, much less expensive and puts you in direct control of your incoming checks!
In essence, our system is simple, yet very full-featured. First, let's look at what happens when your customers click on the "Pay By Vcheck" link we provide you to put on your own website:
- Your customer enters their check information via an easy-to-use secure online form.
- The system produces an instant, printable receipt for them that resembles their check.
- A confirmation Email is instantly sent to the customer. A new check notification message is instantly sent to you.
- You login into the secure Vcheck system. Your new checks are listed and ready to print in PDF format.
- You print the check and deposit it into your checking account just as you would had it arrived in the mail.
For Checks by Phone or Checks by FAX, we provide you with a special version of the secure online check form that does not require the customer's Email address. Therefore, a receipt confirmation message is not sent to them. If you have the customer's Email address and wish them to receive the confirmation message, you can just use the standard online check form.
With ACH or EFT transactions, they are not processed until approximately midnight of each business day and it can take up to 5 business days for the transfer to actually be deposited into your checking account. Most ACH or EFT systems charge you a monthly gateway fee in addition to a per check fee and/or a percentage of the transaction - similar to a credit card merchant account.
Completely. To banks, these are known as "Demand Drafts" or "Sight Drafts", with millions being processed every year. Our system has been used to process hundreds of thousands of checks totaling more than 3 BILLION US Dollars.
Hundreds of Insurance Agencies use our system along with many hundreds of businesses, organizations & government departments, including the Treasurer and Tax Collector, the Department of Public Works and the Business License Division of Los Angeles County! You can see a partial list of our customers on the Who Uses It page.
You can process up to *200 checks per month for only $139.95 PER YEAR! And there are NO additional per check, per transaction or discount fees! *See the Pricing page for complete details on higher levels of service and optional upgrades.
We've been in the Internet Software business since 1996 and only want Win-Win relationships with our customers. That's why we offer a full 30-day Satisfaction Guarantee on Vcheck. We’ll return your money, no questions asked, if you’re not 100% satisfied.
Yes! We offer two ways to get a better visual idea of how the system works.
After you have gathered all the details you need from the many pages in this website, you can view a screenshot slideshow of the general business version of the system here. These 6 screenshots give you a quick overview of the check submission and printing process.
Or, if you want to walk through the actual system for one of the industry specific versions we offer, you can go through the live system using a test account. The test account used on the Live Demo is visible to all users, so please don't use actually checking account information on your test checks.