Checks by Phone: Take Checks by Phone, Checks by Fax or Checks Online | ChecksByPhone Merchant Account

Checks by phone and checks by fax are two great ways to accept payment from customers, clients or collection accounts. Get an edge and use our secure payment gateway  or virtual terminal, rather than a conventional ACH merchant account, and get your money faster, with lower fees. We offer Checks By Phone merchant account services to all business types including High Risk and Low Risk merchants alike – Fast Approval and no hassle 1 page application !  Contact us now to get started or APPLY NOW online. 


Checks by phone payment processing check services allow any merchant business trype to accept checks over the telephone - by internet - or through our virtual terminal safely and securely. We accept High Risk merchants as well as other business types that that sell goods or services that are deemed too risky by credit card processors or as unacceptable business types - FAST APPROVAL in 4 to 6 hours - same day account activation - next day deposits to your business checking account.

Checks by Phone


Accept checks by phone, checks by fax or checks online. Unlike an ACH merchant account,   multiple day settlement times, and a long list of requirements and regulations, once you open your Checks By Phone Account, you can start using it the same day. There is no long merchant account approval process required with Checks By Phone .

** You can take the customer’s checking account details as a check by phone, by fax or online through our secure payment gateway and virtual terminal.

   The advantages of using Checks by Phone

* No Reserve’s

* Fast Approval !  Up and Processing in 4 to 6 hours

* Funds deposited to your Business Checking the Next Business Day

* High Risk Business Accepted

* Checks By Phone is NOT regulated by NACHA, therefore calls do not need to be recorded for verification

* No Signature Required

Accept checks by telephone for call center operators and outbound telemarketing as well as all high risk merchant types. We accopt Terminated Merchants and High Risk Business Types

Accept Checks by Phone


Acceptable Business Types


  • Outbound / Inbound Call Centers
  • Telemarketing
  • Continuity Programs / Scheduled Product Fulfillment
  • High Risk Merchants
  • Terminated Merchants
  • Collections Agency / Rebilling
  • Medical Discount Cards
  • Travel Vouchers
  • Time Share Sales / Rentals
  • Online Pharmacy
  • Adult Merchandise / Services
  • Advanced Booking – Reservation
  • MLM
  • Sports Forecasting
  • Tobacco Sales
  • Ecigs / Electronic Cigarettes / Vapors
  • Pseudo-pharmaceuticals Anti-Aging / Sex Nutrients / Hair re-growth / Skin Treatments
  • Odds Making – Sports Predictions
  • Home Delivered Product sales
  • Magazine Subscriptions
  • Buyers Clubs
  • Pyramid Sales
  • Biz Opps / Motivational Programs
  • MLM Auto ship Products
  • Vitamin Sales / Dietary Supplements
  • Diet and Weight Loss Programs
  • Herbal Remedies – Mail Order / Telephone Order / Internet
  • Bail Bonds
  • Import / Export
  • Wholesale Distributors
  • Grants / Loans
  • Payday Loans / Collections
  • Rentals / Leasing 
  • …..etc…. If you don’t see your business type here please contact us