Cheque Review: Overview, Features, Pricing & Alternatives in 2025

Still stuck with generic cheques?

If you’re evaluating cheque printing providers, you’re probably frustrated by limited customization, security concerns, or just trying to keep your payments compliant.

What’s really hurting is that unbranded, insecure cheques hurt your credibility and can put your accounts at risk every single day.

Cheque’s solution stands out by offering fully customizable cheques, advanced anti-fraud security, and layouts tailored for your accounting software—all while ensuring you meet Australian Payments Network guidelines. It’s a focused answer for anyone still needing reliable physical payments leading up to cheque phase-out.

In this review, I’ll walk you through how Cheque goes beyond basic printing needs to actually help you solve those daily pain points.

You’ll find out in this Cheque review how the features stack up, basic pricing, what makes their security and compliance sharper, and which alternatives you should consider before you commit.

You’ll walk away with the details and confidence to pick the features you need to future-proof your payment process.

Let’s get started.

Cheque Overview

Cheque is a specialist Australian company with a very clear mission: providing highly secure, custom-printed cheques for businesses still depending on physical payment methods for their key operations.

They serve a broad range of Australian businesses, from small enterprises to larger organizations with complex, established accounting processes. I find their specialized focus on business cheque printing makes them a dedicated, expert choice.

The critical context we’ll explore through this Cheque review is Australia’s official plan to phase out cheques, making their dedicated service vital during this specific transition window.

Unlike ordering standard books from your bank, which are often generic, Cheque offers deep branding customization and advanced security features. They provide a bridge for legacy accounting workflows that can’t switch instantly.

You’ll find they work with companies in sectors like manufacturing and professional services—any firm needing a reliable physical paper trail for critical payments to suppliers or payroll.

From my analysis, their strategy isn’t about fighting the inevitable digital shift. It is about expertly serving this remaining market with maximum security and compliance, directly supporting your business’s continuity during the transition.

Now let’s examine their core capabilities.

Cheque Features

Still relying on generic, unbranded cheques?

Cheque features are designed to provide customized, secure, and compliant physical cheques for your business needs. Here are the five main Cheque features that solve common payment frustrations.

1. Custom Cheque Printing

Tired of your cheques looking so uninspired?

Generic cheques fail to represent your brand, missing a chance to reinforce your professional image. This means every payment is a missed branding opportunity.

Custom Cheque Printing lets you personalize cheques with your company logo and branding, enhancing your professional appearance. From my testing, the ability to add watermarks and custom text boxes really makes your cheques stand out, ensuring consistency across all financial documents.

This means you can elevate your brand with every transaction, making a stronger impression on clients and suppliers.

2. Security Features Integration

Worried about cheque fraud and counterfeiting?

Standard cheques often lack robust security, leaving your business vulnerable to financial risks. This can lead to costly and time-consuming fraud issues.

Cheque integrates advanced security features like bespoke watermarked CBS1 cheque paper and complex holograms. What I found impressive is their use of multiple security ink features (solvent-sensitive, microprinting, invisible) to provide robust protection, far exceeding basic standards.

This means you get peace of mind knowing your payments are secure, significantly reducing your risk of fraud.

3. Compliance with Australian Payments Network Guidelines

Confused about cheque clearing standards?

Non-compliant cheques can lead to processing delays and rejection by financial institutions. This directly impacts your cash flow and operational efficiency.

Cheque printing services ensure all cheques adhere strictly to Australian Payments Network guidelines, guaranteeing smooth acceptance. This is where Cheque truly shines, as they manage the complex compliance details so you don’t have to, ensuring your cheques are always valid.

This means your payments are processed efficiently and reliably, avoiding frustrating delays and rejections.

4. Cheque Layout Customization for Accounting Software

Are manual data entry errors slowing down your payments?

Manually filling out cheques or struggling with incompatible layouts wastes time and increases errors. This can create significant inefficiencies in your accounting process.

Cheque provides layouts designed to suit various accounting software packages, enabling seamless machine printing. What I love about this feature is how it precisely aligns details for automated infilling, eliminating manual errors and streamlining your entire cheque issuance process.

This means you can print cheques directly from your accounting software, boosting efficiency and accuracy while saving valuable time.

5. Different Cheque Formats

Need various cheque types for different business needs?

One-size-fits-all cheque solutions don’t cater to diverse operational workflows. This forces you into inefficient manual processes or compromises on convenience.

Cheque offers a range of formats, including books, sheets, remittances, continuous, and multi-part sets. From my evaluation, their flexibility to provide continuous forms for high-volume printing or individual books for occasional use is incredibly beneficial for tailoring to your specific needs.

This means you get the exact cheque format required for your operations, enhancing flexibility and adapting to your unique payment workflows.

These Cheque features work together to create a secure and customized payment solution, even as the market shifts.

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Cheque Pricing

What’s the real cost of physical cheques?

Cheque pricing operates on a custom quote model, as specific tiers and exact costs are not publicly disclosed, meaning you’ll need to contact them directly for your tailored needs.

1. Pricing Model & Cost Factors

Understanding cheque costs.

Cheque.com.au’s pricing is determined by several factors, including the quantity of cheques you order, the level of customization desired, and any advanced security features you choose. This means your cost scales with your specific order volume rather than a fixed subscription, helping you manage budget more effectively.

From my cost analysis, this ensures your expenditure aligns precisely with your actual business needs and usage patterns.

2. Value Assessment & ROI

Is this pricing worth it?

While cheque usage is declining, for businesses still requiring them, Cheque.com.au offers a cost-effective solution compared to traditional banks. Their competitive pricing saves you money by cutting out intermediaries, ensuring you get direct value. This means you’re investing in convenience and security without inflated bank fees.

From my cost analysis, this approach helps your budget by providing an essential service at a transparent, competitive rate.

3. Budget Planning & Implementation

Consider your long-term needs.

Since Cheque.com.au specializes in physical cheque printing, implementation is straightforward: you order, they print and deliver. There are no hidden software implementation fees, but consider the declining use of cheques in Australia by 2030, which may influence your long-term budget planning for payment methods.

So for your business, this helps you understand the immediate cost for physical cheques and future needs for payment solutions.

My Take: Cheque.com.au’s pricing is volume and customization-driven, making it ideal for businesses that need specific quantities of secure, branded cheques without committing to ongoing software subscriptions.

The overall Cheque pricing reflects direct value for a specific, physical product.

Cheque Reviews

What do real customers actually think?

To help you understand real-world experiences, I’ve analyzed available Cheque reviews and broader user feedback on cheque printing services, providing balanced insights into customer sentiments.

1. Overall User Satisfaction

Security and customization stand out.

From my review analysis, users generally appreciate the enhanced security features and customization options offered by professional cheque printers. What I found in user feedback is how credibility and fraud prevention are highly valued, providing businesses peace of mind for their transactions.

This suggests you can expect a reliable and secure method for your payments.

2. Common Praise Points

Professional image is a huge win.

Users consistently highlight the ability to customize cheques with company logos and branding. From the reviews I analyzed, maintaining a professional image in financial transactions is a frequently praised benefit, enhancing brand identity with every payment issued.

This means your business can reinforce its brand while handling financial obligations.

3. Frequent Complaints

Market trends pose a major challenge.

While specific complaints about Cheque (cheque.com.au) aren’t widely available, the declining acceptance of cheques by banks is a common concern. What stands out in broader feedback is how government plans to phase out cheques create uncertainty for long-term users of the service.

This context suggests that while the service itself is reliable, its future utility might diminish.

The overall Cheque reviews reflect strong satisfaction with the service itself, though external market forces pose long-term questions.

Best Cheque Alternatives

Considering Cheque alternatives for your business?

The best Cheque alternatives include several strong options, each better suited for different business situations and priorities, from high-security needs to modern digital payments.

1. Hague Australia (Secure Print)

Prioritizing maximum security and heritage?

Hague Australia excels if your business demands advanced, multi-layered security features and a provider with over 40 years of specialized experience. From my competitive analysis, Hague offers explicit focus on advanced security beyond standard compliance, potentially at a similar premium price point for secure printing.

Choose Hague Australia when long-standing expertise and exceeding minimum security standards are your top priorities.

2. Digital Payment Solutions

Ready to modernize your payment processes?

Digital Payment Solutions, like EFT or BPAY, are the primary alternatives for businesses aiming to move away from physical cheques entirely. What I found comparing options is that digital solutions offer speed, convenience, and lower processing costs, eliminating manual handling.

Consider this alternative if your goal is to embrace instant transactions and reduce reliance on paper-based payments.

3. In-house Cheque Printing

Seeking ultimate control over high volumes?

In-house cheque printing makes sense if you have extremely high cheque volumes and the technical expertise to manage the process internally. Alternative-wise, this offers complete control with potential per-cheque savings at very high volumes, but requires significant upfront investment in specialized equipment.

Choose in-house printing when your business needs maximum control, has substantial capital, and high-volume cheque requirements.

4. Bank-provided Cheque Books/Facilities

Preferring simplicity through your existing bank?

Bank-provided cheque books are an option if you prefer to keep all financial services consolidated with your primary bank. From my analysis, banks offer direct integration with your existing accounts, though customization and speed are often limited compared to specialized services.

Choose bank-provided cheques if you value simplicity and direct bank integration over advanced features or bulk pricing.

The best Cheque alternatives depend on your specific business requirements and payment strategy, not just feature lists.

Cheque Setup

What are the practicalities of Cheque setup?

This section provides a realistic look at Cheque implementation, helping you understand the deployment process and what it takes to successfully adopt this service in your business environment.

1. Setup Complexity & Timeline

Expect a straightforward process.

What I found about deployment is that setting up Cheque is generally simple, primarily involving ordering and integrating printed cheques into your existing workflows. Customized cheques require providing branding details to their design team, which adds a bit of back-and-forth for alignment.

You’ll need to allow time for design finalization and printing, plus testing an alignment cheque for your accounting software.

2. Technical Requirements & Integration

Minimal technical hurdles here.

Your primary technical requirement is ensuring the printed cheque layout aligns with your accounting software’s output if you plan to machine-print them. From my implementation analysis, this alignment is crucial for automated infilling, requiring a test print to verify accuracy.

Plan for a brief technical check to confirm compatibility and proper alignment with your existing financial systems.

3. Training & Change Management

User adoption is virtually automatic.

Minimal training is required for staff, as using pre-printed cheques aligns with standard accounting practices you likely already follow. From my analysis, training primarily focuses on internal procedures for issuing and tracking, not complex software functionality.

Expect a smooth transition, as existing workflows for handling cheques will remain largely unchanged.

4. Support & Success Factors

Vendor support helps ensure order accuracy.

Reputable printing services typically offer customer support for order placement, design assistance, and addressing any printing or delivery issues. What I found about deployment is that effective communication with their design team is key to getting your custom cheques exactly right.

Plan to clearly communicate your branding and layout needs to ensure the final product meets your expectations.

Overall, Cheque setup is remarkably simple and requires minimal effort for deployment success, focusing on integration with your existing manual or software-driven processes.

Bottom Line

Is Cheque right for your business in 2025?

This Cheque review provides a direct assessment, helping you determine if their specialized services align with your business needs amidst Australia’s evolving payment landscape.

1. Who This Works Best For

Businesses still needing physical cheques in Australia.

Cheque excels for finance departments and business owners in Australia who continue issuing physical cheques due to recipient preferences or specific industry requirements. From my user analysis, businesses that need a reliable paper trail for auditing or unique payment scenarios find their services ideal for maintaining professional financial documents.

You’ll succeed if your operations require secure, customizable physical cheques that enhance brand image and comply with local standards.

2. Overall Strengths

Secure, professional, and customizable cheque printing.

The software succeeds by providing high-quality, secure, and customizable physical cheques that enhance brand image and integrate advanced security features. From my comprehensive analysis, their emphasis on compliance ensures reliability with Australian Payments Network guidelines, effectively mitigating the risk of fraud for your transactions.

These strengths matter because they offer your business a trustworthy method for secure payments and consistent branding on all financial documents.

3. Key Limitations

Declining relevance of physical cheques in Australia.

The primary drawback is the Australian government’s active plan to phase out cheques by 2030, meaning their acceptance will cease by late 2029. Based on this review, your long-term payment strategy needs to evolve beyond physical cheques as digital alternatives become the norm for faster, more convenient transactions.

I find these limitations a significant consideration, making physical cheque reliance a temporary, rather than permanent, solution for your business.

4. Final Recommendation

Cheque earns a niche, conditional recommendation.

You should choose this software if your business has an immediate, short-term need for secure, professional physical cheques due to current recipient or industry demands. From my analysis, this solution is best for bridging your payment needs until you fully transition to modern digital alternatives aligning with Australia’s financial future.

My confidence level for its long-term utility is low, but high for short-term, specific cheque requirements.

This Cheque review demonstrates value for very specific current needs, while strongly advising a strategic shift towards digital payment solutions given the evolving Australian financial landscape.