The Best Way
to Use a Credit Card
on Every Bill
You Already Pay
You’re paying thousands in vendor invoices, rent, and contractor fees every month – by check or ACH – and earning absolutely nothing back. OnlineCheckWriter.com changes that. Pay any vendor with your credit card. Keep every dollar of rewards. Even if they’ve never accepted a card.
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
22,000+
Financial institutions integrated
100%
Fraud detection accuracy
24/7
Real-time protection
Three Steps to Pay Any Vendor With Your Business Credit Card
Works with any Visa, Mastercard, or American Express business credit card.
Charge your credit card
Enter your vendor payment amount and charge it to any business credit card. Earn your full rewards on the transaction amount.
Platform converts it
OnlineCheckWriter.com processes your card payment and converts it to the payment type your vendor prefers.
Vendor gets paid their way
Your vendor receives payment by check, ACH, or wire transfer – however they want. They never need to accept a credit card.
You keep the float
Your cash stays in your bank for 30 – 45 days until your card bill is due. That’s free working capital on every vendor payment you make.
You’re Paying Vendors Wrong.
It’s Costing You Thousands.
Your credit card earns rewards. Your biggest bills don’t. That gap is money you’ll never get back.
Zero rewards on your biggest payments
Rent, suppliers, contractors – all paid by check or ACH. All earning you nothing. At $50K/month, you’re leaving up to $12,000/year on the table.
Cash leaves your account immediately
ACH and check payments hit your bank in 1-3 days. You lose the 30-45 day float that a credit card gives you – free working capital gone.
Fragmented payment tools
One tool for checks, another for ACH, another for invoices. Reconciliation takes hours. Nothing talks to anything else.
Every Payment Method.
One Platform.
Stop managing five different tools. OnlineCheckWriter.com handles every way you pay – and connects with the software you already use.
Pay by Credit Card
Fund any vendor payment with your credit card. They receive check, ACH, or wire. You earn full rewards. No card acceptance required on their end.
Check Printing & Mailing
Print business checks from your desk or let us mail them via USPS or overnight FedEx – without you leaving your chair.
ACH & Wire Transfers
Send one-time or recurring ACH payments domestically. International wire transfers to 180+ countries. All in one dashboard.
Payroll by Credit Card
Run payroll funded by your credit card. Your employees get paid on time. You earn rewards and keep the float.
Accounting Integrations
Syncs directly with QuickBooks, Xero, Zoho, Bill.com, Gusto, FreshBooks, Sage, Wave, and more. Reconcile automatically.
Bank-Grade Security
SOC1, SOC2, PCI DSS, ISO 27001, HIPAA, and CCPA certified. FDIC coverage through Texas National Bank and Lincoln Savings Bank.
Common Questions,
Straight Answers.
Can I really pay a vendor who doesn't accept credit cards using my card
Yes. OnlineCheckWriter.com acts as the bridge. You charge your credit card on the platform, and your vendor receives payment via check, ACH, or wire - whichever they prefer. They never need to accept a credit card themselves.
Will I still earn my full credit card rewards?
Yes. You charge the full payment amount to your card and earn rewards just like any other purchase. The platform's 2.90% processing fee applies, but between cash back and tax deductions, your real net cost is often well under 1%.
What's the processing fee for paying by credit card?
The standard processing fee is 2.90%. After factoring in your card's rewards rate and the ability to deduct the fee as a business expense, many businesses find their effective net cost is below 0.50%.
How does payment float work and why does it matter?
When you pay by credit card, the money doesn't leave your bank account until your card bill is due - typically 30 to 45 days later. For a business paying $50,000/month in vendor bills, that's $50,000 of interest-free working capital sitting in your account each month.
Does it integrate with QuickBooks and other accounting software?
Yes. Direct integrations include QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, Zoho Payroll, Bill.com, FreshBooks, Gusto, Sage, Wave, ADP, and more. All payments reconcile automatically.
Is there a free trial?
Yes - 15 days free. Connect your bank, add your credit card, and run your first payment in minutes.
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"