We have used QChex for receiving payments for a couple of years. While I agree the site can be used for criminal activities, I would not place that blame on Qchex.

Setting up a Qchex account does lack a little in the way of security to determine the identity of the person or business that is initiating the check to be printed. However, your bank is as responsible for the fraud against you as Qchex.

The first time I took the Qchex into the bank to deposit, we had to provide our bank with information about the check and they actually put a 10 day hold on each check. The amount of the check was between $17.95 and $180.00 and they held the funds for 10 days. We have never had a Qchex dishonored, but we have had a couple returned for NSF.

Qchex does nothing to determine if the funds are available in the account. This is one drawback for our companies. We are moving towards a realtime electronic check processing system within the next month.

Blaming Qchex for people passing bad checks is a little like blaming the company that paves the roads for the accidents when a driver drives recklessly on those roads.

What I can not figure out for the life of me is why people would ever cash a check for someone and then wire some of the money back. A HUGE red flag should be flying anytime someone sends you a check for more then you expect and then ask for the difference to be wired back.