Online Check Writer

Credit Card Processing – Now simple And Secure With Online Check Writer

Aug 11, 2022 | Pay By Credit Card powered by Zil Money is a financial technology company, not a bank or an FDIC member. offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

It’s important for any business today, regardless of size, to readily accept credit card payments, whether it is on the point of sale (POS) device, online, or over the phone. However, doing so requires a provider to handle each credit card transaction safely and securely through credit card processing.

With credit card processing, you have a number of options to choose from, but it’s also important to make sure that the company you are selecting for this service is one you can trust. – Powered by Zil Money is a secure, reliable and affordable option when it comes to credit card processing. Let’s, check out our guide to credit card processing, which will walk you through everything you need to know about credit card processing and how to select the best option for your business.

Online Check Writer

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Credit card processing at a glance

Credit card processing is the process of authorizing, approving, and managing credit card transactions. This process can be divided into three main steps payment authorization, authentication and clearing.

Online Check Writer has made credit card processing easy, quick and transparent, with a strong uptime record.

How Credit Card Processing Works

In order to make the best and most informed decisions about credit card processing, let’s take a closer look at all the steps involved. Three main stages of credit card processing are-

Payment Authorization: The first stage of any credit card transaction is payment. The merchant’s credit card terminal or website sends the cardholder’s details, including the credit card number, expiration date, security code, and payment amount to the store’s acquiring bank or processor. This information is forwarded to the appropriate credit card network (e.g., Visa, MasterCard), which then passes it on to the customer’s issuing bank for authentication.

Payment Authentication: The issuing bank receives the payment request and verifies whether the cardholder has the available balance to make the purchase. The bank will also conduct security measures to authenticate the cardholder’s details and determine whether the transaction shows any signs of fraudulent activity.

If everything is genuine, the bank account approves the transaction and communicates this to the payment processor and then to the credit card reader or terminal.

Clearing: The clearing stage is when transaction details are sent to the cardholder and merchant services in the form of statements. At the end of every business day, the merchant sends a batch of approved credit and debit card transactions to the acquiring bank or processor.

The card processing company then forwards details of each transaction to the corresponding credit card network, which then forwards it to the appropriate card-issuing bank. Funds and shares of transaction fees are moved between banks, credit card networks, and acquiring processors to keep the system running.

Why should you use Online Check Writer for your business? 

There are many reasons to use Online Check Writer for your business. Here are just a few: 

  • We offer simple and secure credit card processing. 
  • Our prices are very competitive. 
  • We have a great reputation – just check out our reviews! 
  • We offer excellent customer service. 
  • We’re always innovating and adding new features to our service. 

So why not give us a try? We’re sure you won’t be disappointed!

What about security and PCI Compliance?

When you process credit cards through Online Check Writer, you can rest assured that your data is safe and secure. We comply with all PCI security standards, so you can focus on running your business without worry. Plus, our fraud protection tools help to ensure that only legitimate transactions are processed.

Get started in 3 easy steps!

Online Check Writer offers a simple and secure way to process credit card payments. We made it easy to get started, so that you can start accepting payments in no time.

How long does credit card processing take to process?

Normally the settlements may take several days depending on which card network was used whereas OCW accepts credit card payments in a comparatively rapid and easy manner.

Credit card payment vs Bank transfer

When money is moved from one account to another, it is known as a bank transfer. To do so, one must first submit a request and then provide the authorization codes required to change banks. With a credit card, the bank will rapidly and instantly cover the cost of the purchase and then bill you for it. You can now pay your vendors with credit cards even if they don’t accept them with the help of Online Check Writer.

Get in Touch

(408) 775-7720

Make a call directly to our customer support team to get assistance instantly.

Email us to resolve any queries you have about

111 N Market St, San Jose, CA 95113

PO Box 6543, Tyler TX 75711

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