Top Reasons to Start Accepting a Check by Phone Today!

In today’s fast-moving business world, speed and convenience matter more than ever. Customers expect simple, secure, and quick payment options, while businesses are always looking for ways to get paid faster without increasing costs. One method that often gets overlooked is accepting a check by phone. It’s not just an old-school solution—it’s a powerful payment option that works for both traditional and digital-first businesses.

In this article, we’ll explore why adding Check by Phone payments to your business can help you save time, cut costs, and give customers the convenience they want.

1. Faster Payments Without the Wait:

When a customer mails a paper check, you could be waiting days—or even weeks—before it arrives and clears. With a check by phone, you can process the payment right away.

Here’s how it works: the customer calls you, provides the required check details (such as routing and account number), and you enter them into your payment system. The payment is processed electronically, often clearing within 1–2 business days.

Why it matters:

• No waiting for mail delivery.

• Quicker access to funds.

• Better cash flow management.

2. A Low-Cost Payment Option:

Credit card processing fees can quickly add up, especially for small businesses. Check by Phone transactions usually cost less to process than credit card payments.

Many payment processors offer flat fees for ACH or eCheck payments, which can mean significant savings, especially on larger transactions.

Example: If you process a $2,000 sale, a 3% credit card fee costs $60. With Check by Phone payments, you may pay just a few dollars in processing costs.

3. Easy for Customers to Use:

Not every customer wants to pay with a credit card, and some may prefer using their checking account. For them, Check by Phone is a familiar, simple option.

There’s no need for customers to visit your store or log in to an online portal. They simply call, provide their details, and the payment is complete.

Customer benefits:

• No extra accounts or apps to download.

• Works for customers without credit cards.

• Convenient for those who prefer direct bank payments.

4. Expands Your Payment Options:

Every business benefits from offering multiple payment methods. By adding check by phone option to your lineup, you make it easier for customers to pay in the way they prefer.

For example, you may already accept:

• Credit and debit cards

• Online payments

• In-person cash or checks

Adding phone check payments fills a gap for customers who want to use their bank account without mailing a physical check.

5. Reduces Late Payments:

For service-based businesses, late payments can cause cash flow headaches. Customers who forget to mail a check or delay online payments may push back your payment schedule.

Check by Phone offers an instant solution: call the customer, take the payment details, and process them immediately. This reduces payment delays and maintains a steady cash flow.

6. Secure and Compliant:

Modern check by phone transactions use encrypted payment gateways and comply with banking regulations like the Check 21 Act. This means your customer’s information is protected, and the payment process meets industry security standards.

To build trust, always:

• Use a reputable payment processor.

• Clearly explain your payment process.

• Provide receipts or confirmations to customers.

7. Works for All Business Sizes:

Check by Phone payments aren’t just for big companies. Small businesses, freelancers, and service providers can all benefit.

Common examples include:

• Home service providers (plumbers, electricians)

• Subscription-based businesses

• Healthcare providers

• Nonprofits accepting donations

Whether you’re processing 10 payments a month or 1,000, the flexibility of phone check payments makes it a smart option.

8. Great for Recurring Payments:

If you bill customers regularly—such as through monthly subscriptions, memberships, or installment plans— check by phone makes it easy to set up recurring payments.

With proper authorization, you can schedule automatic deductions from a customer’s bank account, saving time for both you and them.

9. No Need for Expensive Equipment:

Unlike some payment methods that require specialized point-of-sale systems or card readers, Check by Phone can be managed with your existing computer and payment processing account.

All you need is:

• A secure internet connection

• A payment processor that supports phone check payments

• Proper verification procedures

This makes it an affordable payment method to implement.

10. Keeps You Competitive:

In a competitive market, giving customers more ways to pay can set you apart from competitors who only accept cards or cash.

Customers appreciate flexibility, and businesses that offer multiple payment channels are more likely to earn repeat business and customer loyalty.

Final Thoughts: –

Accepting a check by phone isn’t just an old-fashioned payment option—it’s a smart, secure, and cost-effective solution for modern businesses. It speeds up payments, cuts processing costs, increases customer convenience, and keeps your cash flow healthy.

How eCheckplan Helps You Accept a Check by Phone: –

With eCheckplan, accepting a check by phone payments is simple, secure, and cost-effective. There are no monthly fees or setup charges, making it easy for businesses to get started without extra costs. The platform includes a real-time check verification tool to reduce payment risks, invoicing options for quick billing, and recurring payment features to automate collections. You can also manage sub-members under one account, perfect for businesses with multiple departments or locations. Plus, eCheckplan offers seamless API integration, so you can connect the service directly to your existing systems for a smooth payment experience from start to finish.