Below is a list of frequently asked questions. If you don't see your question below, feel free to use our ‘Contact Us’ tab,
and speak with one of our representatives.

Question 1: How does it work?
Simple! Just type in the requested information such as the customers’ name, address, city, state, zip, phone number and email address.
Then provide the Bank name, account, and routing number. (Email notices will be sent to the customer informing about the recent debit. If valid email isn’t provided, CheckByPhoneOnline.com will use postal to mail a notice for a slight additional fee.)

Question 2: What does it cost?
Fees are based on the percentage of dollar amount processed, which means you are never charged for money that isn't processing.
There are no setup fees, no monthly fees, only a percentage based on the transaction amount and volume.

Question 3: How long does it take for my funds to show up?
Funds can take up to 48-72 hours to process, but most clear within 24 hours.
As part of CheckByPhoneOnline.com’s service, we will set up an auto-draft system that will place check images into the automated clearinghouse.

Question 4: What advantages do I have by offering this service to my customers?
Offering alternative methods of payment increases convenience for your customers and increases the
number of people eligible to purchase your goods or services.

Question 5: How does Check Scrub handle confidential information?
Confidential information is sent over a secure SSL connection to our encrypted database.

Question 6: Do I need a merchant account through my bank?
No, a standard checking account is all you need.

Question 7: When can I process a check?
CheckByPhoneOnline.com will process checks 24/7. Our business hours are from 8am-4pm (CST).

Question 8: How does Check Scrub handle bad checks?
CheckByPhoneOnline.com verifies every check through multiple national check databases for positive or negative
account information and risk level status. By verifying if the account exists, is closed, or
currently in a NSF status we, cut back significantly on check fraud. We also search a national database of
check writers to ensure that bank accounts do not have unpaid NSF fees with companies and banks.

Question 9: Can I get started today?
Yes! (click here)