Accept Payment By Credit Card
Accept payments by credit card to get paid faster through a simple, secure platform.
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Easy Payment Collection: Accept payments by credit card through a smooth, secure checkout experience.
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Flexible Payout Options: Receive your funds via ACH, wire transfer, or checks—based on your preference.
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No Merchant Fees: Collect credit card payments without extra merchant or setup charges.
OnlineCheckWriter.com- Powered by Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.
 
  
 
 
 
 
 
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TRUSTED BY MILLION PLUS USERS
Using Credit Cards to Save Money on Business Expenses
Accepting payments by credit card isn’t just convenient—it can also support smarter expense management and healthier cash flow.
Cash-Back & Rewards Potential
Earn Value on Spending: Business credit cards such as the Capital One Spark Card offer up to 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back on eligible spending.
Offset Processing Costs: Cash-back rewards can help offset the 2.90% processing fee, reducing the overall effective cost of transactions.
Tax Considerations
Deductible Processing Fees: Credit card processing fees may be recorded as deductible business expenses, helping lower taxable income.
Additional Tax Advantages: Depending on jurisdiction and applicable tax regulations, businesses may qualify for additional tax benefits when using credit cards for expenses.
Improved Cash Flow Control
Extended Payment Window: Credit cards typically provide a 30–45 day payment window, giving businesses additional time to manage outgoing payments.
Better Capital Timing: During this window, funds can remain available for operational needs or short-term revenue-generating activities.
Detailed Example: Capital One Spark Card
Process Fee: Standard credit card processing applies (2.90%)
Cash Back: Cash-back or rewards may reduce the effective cost (2%)
Tax Break: Processing fees may be recorded as business expenses (0.06%)
Final Fee: The overall cost can be lower than it appears at first glance (0.35%)
Additional Benefit: 30–45 days of payment flexibility supports cash flow planning.Actual fees, rewards, and benefits vary based on card issuer and usage.
Floating Revenue from Bank
Short-Term Cash Utilization: Funds retained in your bank account during the 30–45 day credit card cycle may earn interest or be used for short-term revenue opportunities.
Strategic Capital Use: The float period allows businesses to deploy capital more effectively for urgent expenses or growth opportunities.
Why This Matters
Accepting credit card payments gives you speed, flexibility, and financial control—without changing how your customers pay.
Additional Resources
Explore how accepting payments by credit card helps you get paid faster, improve cash flow visibility, and simplify payment management - without adding complexity.
Pay Using a Credit Card: Flexible Options for Payee
Many vendors hesitate to accept credit card payments due to transaction fees. With OnlineCheckWriter.com — powered by Zil Money — that friction is removed.
You can pay your payees using a credit card while they receive funds without additional transaction costs. Meanwhile, you keep the convenience of card payments and continue earning your credit card rewards.
Our Features AP/AR
OnlineCheckWriter.com - Powered by Zil Money offers a wide range of payment features to make your business transactions secure and flexible. Now you can pay and receive payments with the easy-to-use software and dive into the journey.
Check Printing
Create and print business checks at your office desk with a drag and drop design.
ACH
Pay or get paid one-time or recurring ACH/RTP with low transaction fees.
Integration
Integrate with the top third-party applications.
Pay Bill
Pay Bills Online, Schedule them, Manage suppliers, and reduce risk.
Payments by Credit Card
Now pay by credit card even if they don't accept them.
Wire Transfer
Transfer money electronically from one financial institution to other.
Deposit Slips
Instantly create & print the deposit slip of any Bank. Keep track & auto reconcile it.
Invoicing
Create invoice to your customer and send link through email.
Cloud Bank
Open an online checking account with no hidden charges.
Email Check
Send your checks as a one-time printable pdf with a tracking facility.
Payment Link
Create an HTML form or link to receive payments.
User/Approver
Give access to accountant or clients with a role based user and approval process.
Overnight Check Mailing
Overnight Check mailing without leaving your desk. We print and mail it by FedEx.
Digital Checks
Digitize your paper checks and make your payments via email or text.
Bank Data
Connect & reconcile, Categorize from Any Financial Institution automatically.
API/White Label
Interactive developer-friendly API. Complete white label solution.
One Stop Solution
OnlineCheckWriter.com — Powered by Zil Money — lets you pay and get paid using multiple payment methods, all from one platform.
Accept and send payments via credit cards, printable checks, eChecks, ACH, and wire transfers, with seamless access to over 22,000+ financial institutions. Connect multiple bank accounts and manage both outgoing and incoming payments with ease—without switching tools.
This unified setup makes it simpler for finance teams to stay organized while keeping payments fast, flexible, and secure.
MULTIPLE FEATURES, ONE PLATFORM
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CONNECT ANY BANK, PREVENT FORGERIES
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OPEN A MODERN CHECKING ACCOUNT WITH ZIL US
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Cross Platform Support
Access your account anytime, from any device. Use the platform across desktop, tablet, and mobile to manage payments and finances wherever you are.
The intuitive interface lets you track transactions, manage accounts, and stay in control—securely and without complexity.
Easy To Access
Instant Access To Your Account Anywhere, Anytime.
High Security
Secured With Encryption, Fraud Detection, and Infrastructure.
Easy Payment
Efficiently Transfer Funds To Where They're Needed.
Pay Your Payroll with Credit Card
Pay payroll on time, even when cash flow is tight. With OnlineCheckWriter.com — powered by Zil Money, you can use a credit card to fund payroll while employees receive their payments without delay.
This approach gives you added flexibility, helps smooth short-term cash flow gaps, and allows you to earn credit card rewards while keeping payroll schedules on track.
FREQUENTLY ASKED QUESTIONS
How to accept payment by credit card?
If you are a person who does not have a credit card, don't worry. Set up OnlineCheckWriter.com - powered by Zil Money, to accept credit card payments via ACHs, wire transfers, checks, eChecks, or virtual cards. You don't have to pay transaction charges to receive the payments.
How to accept credit card payments on my phone?
Install OnlineCheckWriter.com - powered by Zil Money's online app on your phone and log in to your account. You can send or receive payments instantly via the app.
Can I pay my bill with credit card?
OnlineCheckWriter.com - powered by Zil Money, allows you to pay your bills with a credit card. Whether it be an electricity bill, supplier bill, or rent - you can easily pay with a credit card and earn rewards on your credit card transactions.
Credit Card vs Expense Card
A credit card is a physical payment card that allows you to borrow money from a financial institution to make purchases and pay bills. There will be a certain period when you need to repay the money. With OnlineCheckWriter.com - powered by Zil Money, you can pay bills, rent, suppliers, and many more and earn rewards points on your credit card transactions. A expense card is a plastic card that allows you to make electronic transactions using money from your linked bank account. If there is no money in your linked account, you cannot make the transaction.
REVIEWS FROM ESTEEMED CUSTOMERS
I use Online Check Writer daily and I am satisfied that I selected that product
Danylo
Customer Support Lead at bafood
The practicality and ease of printing new checks. The platform is simply amazing. I can do everything, without having to travel to the place and having to spend hours in the online service.
Vanessa Silvestrin
Sales Manager at Crefisa
From the practicality and ease of being able to print new checks. The platform is simply incredible. I can do everything online, without needing to go anywhere and having to wait hours for service.
Karla
Administrative assistant at Sabin Medicina Diagnóstica