Online Check Writer

Accept Payment By Credit Card

Accept Payment By Credit Card just got simple with the cloud-based banking platform. You can now send and accept money quickly without any stress. Pay your recipient even if they don’t have a credit card since they will receive the amount via ACH, wire, check, and more.

OnlineCheckWriter.com- powered by Zil Money is a financial technology company, not a bank or an FDIC member. OnlineCheckWriter.com offers banking services through partnership with FDIC member banks Silicon Valley Bank, Texas National Bank, and East-West Bank.

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Using Credit Cards to Save Money on Business Expenses

 

Cash Back Rewards

  • Earn Cash Back: Credit cards like the Capital One Spark Card offer 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back.
  • Offset Fees: Using a credit card with cash back can partially offset the 2.95% process fee, reducing the effective cost.

Tax Benefits

  • Tax-Deductible Fees: The 2.95% process fee can be filed as a tax-deductible business expense, offering some financial relief.
  • Additional Tax Breaks: Depending on the jurisdiction and tax codes, you may be eligible for additional tax breaks for using credit cards for business expenses.

Cash Flow Management

  • Cash Float Period: Credit cards often provide a 30 to 45-day payment window, allowing businesses to manage their cash flow better.
  • Utilize Funds: During this period, the funds can be invested in short-term opportunities or other revenue-generating activities.

Detailed Example: Capital One Spark Card

  • Process Fee: 2.95%
  • Cash Back: 2%
  • Tax Break: 0.06%
  • Final Fee: 0.35%
  • Additional Benefit: 30-45 days of cash flow management and float revenue.

Floating Revenue from Bank

  • Float Revenue - Cash Incentive Earnings: The funds in your bank account for 30 to 45 days could earn Cash incentive or be invested in short-term revenue-generating activities.
  • Capital Utilization: The cash float period allows you to strategically utilize your capital for other pressing needs or investment opportunities.
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Additional Resources

By combining these strategies, the actual cost of using a credit card to handle business expenses can be significantly reduced, while also providing the flexibility to manage cash flow more effectively.

Pay using a credit card The payee receives funds via check, wire transfer, or ACH

Pay Using a Credit Card: The Payee Receives Funds Via Check, Wire Transfer, or ACH

In the past, your vendor may have refused to accept credit card payments due to the associated transaction cost, or they may have required you to add a transaction fee. Don’t worry anymore because OnlineCheckWriter.com allows anyone to pay their payee using a credit card. There are no transaction costs for the payee when using credit cards, and you can keep your credit card reward points.

Our Features AP/AR

OnlineCheckWriter.com - Powered by Zil Money offers a wide range of banking 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 bank 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.

Check Mailing

Check mailing without leaving your desk for $1.25. We print and mail it by USPS/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 allows users to pay and get paid using credit cards, printable checks, eChecks, ACH, wire transfers, and more. The platform is integrated with over 22,000 banks so that you can link multiple bank accounts. This also makes it easy for your finance team to manage your accounts payable and accounts receivable.

All-In-One-Platform

MULTIPLE FEATURES, ONE PLATFORM

    

CONNECT ANY BANK, PREVENT FORGERIES

    

OPEN A MODERN BANK ACCOUNT WITH ZIL

    

Cross Platform Support

Cross Platform Support

Use the application to benefit from cross-platform support. Install the app on your mobile devices to enjoy all its features from anywhere. The user-friendly platform lets you manage all your finances from your smartphone. The app also integrates and allows you to manage your accounts anywhere.

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

Paying your payroll with a credit card using OnlineCheckWriter.com lets businesses pay their employees on time, even when cash flow is limited. This function lets businesses earn credit card points while paying their employees, making payroll management cost-effective. Paying your payroll with a credit card is a quick and flexible way for businesses to manage cash flow and pay employees on schedule.

Pay Your Payroll with Credit Card

FREQUENTLY ASKED QUESTIONS

What to do if my vendor refuses to accept credit cards?

Don't worry, you can set up OnlineCheckWriter.com to process credit card payments for vendors who don't want payment by credit card. Your vendor will not receive funds as credit card payments but as checks, ACH, wire, or virtual cards.

Can I pay by credit card even if my vendors don't accept that?

Yes, OnlineCheckWriter.com allows you to pay by credit card even if your vendors don't accept that.

Does my vendor/supplier have to pay any charge for receiving payment by credit card payments?

No. OnlineCheckWriter.com doesn't charge your vendor an additional fee for accepting payment by credit card since they receive the funds through checks, ACH, wire, and more.

Pay By Credit Card With OnlineCheckWriter.com vs Pay By Credit Card Without OnlineCheckWriter.com

Payment via credit card with OnlineCheckWriter.com enhances your cash flow, makes time-sensitive payments, and earns rewards on your card while capturing early pay discounts from vendors. Without OnlineCheckWriter.com, the payee suffers from high transaction costs and time-consuming account creation processes.

REVIEWS FROM ESTEEMED CUSTOMERS

Here are some precious reviews from our customers. We are pledged to make your life simple with all our features.

As HR manager, I had to be very cautious in a disputing situation when the check hasn’t arrived and goes to the bank, digging through all my paperwork. The Check Book feature on OCW makes it easy for me to search! The logs are very helpful for me.
Online Check Writer has made my life easy. Now I can print all the checks on Blank Check Paper from numerous companies and export from my QuickBooks as well. I don’t have to keep track and change the pre-printed check papers.

Being a contractor I always have to give checks ahead in many situations and keep report and notes. Now it’s so easy to keep up. Same way making deposit slips on demand also very easy.

Frank Czar

Bimal Daftari

Travis Copeland

As HR manager, I had to be very cautious in a disputing situation when the check hasn’t arrived and goes to the bank, digging through all my paperwork. The Check Book feature on OCW makes it easy for me to search! The logs are very helpful for me.

Frank Czar

Online Check Writer has made my life easy. Now I can print all the checks on Blank Check Paper from numerous companies and export from my QuickBooks as well. I don’t have to keep track and change the pre-printed check papers.

Bimal Daftari

Being a contractor I always have to give checks ahead in many situations and keep report and notes. Now it’s so easy to keep up. Same way making deposit slips on demand also very easy.

Travis Copeland