Accept Credit Card Payments With Secure Payment Links
Send a payment link, get paid instantly. Your customers pay by credit card while you receive funds via ACH or check-your choice. No merchant account fees or setup hassles.
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.
$1M+
Business Accounts
16M+
$91B+
Transaction Volume
80%
Check Cost Savings
Instant Setup
Start accepting payments in 5 minutes
All Major Cards
Visa, Mastercard, Amex, Discover
No Merchant Fees
Skip setup fees and monthly charges
Bank-Level Security
PCI-compliant, SOC 2 certified
How to Accept Credit Card Payments in 3 Simple Steps
Create Your Payment Link
Generate a secure payment link in seconds. Add your invoice amount, description, and customer details. Customize for one-time or recurring payments.
Send Link to Your Customer
Share via email, text, social media, or invoice. The link opens a secure checkout page where customers enter their card details safely.
Choose How You Get Paid
Receive funds via ACH bank transfer (1-2 days) or check delivery. You choose what works best for your business.
Why OnlineCheckWriter.com Is Different
Unlike traditional payment processors that require merchant accounts, OnlineCheckWriter.com lets you accept credit card payments and receive funds via ACH or check. You choose the payout method. No merchant account setup, no monthly fees, no long-term contracts.
Traditional Processors
- ✗ Merchant account required
- ✗ 3-7 day approval process
- ✗ $10-50 monthly fees
- ✗ 1-3 year contracts
- ✗ Bank deposit only
- ✗ Setup fees $0-500
OnlineCheckWriter.com
- ✓ No merchant account needed
- ✓ 5-minute instant setup
- ✓ $0 monthly fees
- ✓ Month-to-month, cancel anytime
- ✓ ACH or check (your choice)
- ✓ $0 setup fees
Everything You Need to Accept Credit Card Payments
Flexible Payout Options
Choose how you receive funds: ACH bank transfer or check delivery. You decide what works best for your business.
Transparent Pricing
To send payment -2.9% per credit card transaction, plus additional fees based on the selected method (ACH, wire transfer, or check mailing).
Recurring Billing
Set up automatic recurring payments for subscriptions, retainers, and regular services.
QuickBooks Integration
Sync payments automatically with QuickBooks, Xero, Zoho Books, and other accounting software.
Instant Notifications
Get notified immediately when customers complete payments. Track all transactions in real-time.
Mobile-Friendly
Payment links work perfectly on all devices. Customers can pay from anywhere, anytime.
Who Benefits From Payment Links?
Freelancers & Consultants
Accept client payments without merchant account overhead. Get paid 5x faster than traditional invoicing.
Transparent Pricing
2.9% per transaction with no hidden fees. No monthly charges, no setup costs, no surprises.
B2B Companies
Enable clients to pay large invoices by credit card. Accept payments of any size with bank-level security.
Professional Services
Law firms, accountants, and consultants can accept retainers and fees via secure payment links.
Real Estate & Property
Collect rent, deposits, and fees from tenants who prefer credit card payments.
Growing Businesses
Accept credit card payments from clients and customers. Fast setup with no merchant account required.
Bank-Level Security You Can Trust
PCI DSS Compliant
All payment data encrypted with 256-bit SSL. Card numbers tokenized and never stored in plain text.
FDIC-Insured Banks
Partner banks Texas National Bank and Lincoln Savings Bank provide up to $250,000 FDIC coverage.
SOC 2 Certified
Third-party audited security controls meet the highest industry standards for data protection.
Fraud Prevention
Address verification, CVV checks, and velocity monitoring protect against fraudulent transactions.
Additional Certifications:
ISO 27001
ISO 20000
ISO 9001
NIST 800-53
HIPAA
CCPA
FREQUENTLY ASKED QUESTIONS
Do I need a merchant account to accept credit card payments?
No. OnlineCheckWriter.com doesn't require a merchant account. Customers pay with credit cards, and you receive funds via ACH or check (your choice)—eliminating setup hassles and monthly fees.
How long does it take to receive funds?
You can choose how to receive funds: ACH bank transfer (1-2 business days) or check delivery (3-5 business days). Select the option that works best for you.
What credit cards can I accept?
All major credit cards: Visa, Mastercard, American Express, and Discover.
Can I accept payments without a website?
Yes. Payment links work without a website. Create a link in your dashboard and share it via email, text, social media, or invoices.
What are the fees?
2.9% per credit card transaction, plus any applicable additional fees based on the selected transfer method (ACH, wire transfer, or check mailing) used to deliver funds to the recipient.
Is customer payment data secure?
Yes. We're PCI DSS Level 1 compliant with 256-bit SSL encryption, SOC 2 certification, and bank-level security standards. All card data is tokenized and protected.
Start Accepting Credit Card Payments Today
Join over 1 million businesses using OnlineCheckWriter.com to get paid faster and manage cash flow smarter.
Real Stories, Real Results
Experience fast, secure, and cost-effective international transfers
Karla C.
"The best online software"
Save time
Chansa Catherine
"overall it was a good experience, loved the mobile app, came in handy when on the move out of the office"
Money arrives in minutes
Danylo
"I use Online Check Writer daily and I am satisfied that I selected that product"