Your Business Pays
Thousands.
Are you earning anything back?
Pay any vendor, landlord, contractor, or employee with your credit card – even when they don’t accept cards. We handle the conversion. You keep every point, mile, and cent of cash back.
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
You’re Spending Thousands.
Earning Nothing Back.
Every month, businesses like yours make huge payments – and walk away with zero rewards because most vendors only accept checks and ACH.
Monthly Rent / Lease
$5,000/mo paid by check
Vendor & Supplier Invoices
$20,000/mo sent via ACH
Monthly Payroll
$50,000/mo direct deposit
Utilities, Insurance, Taxes
$5,000/mo bank transfer
Total Monthly Spend: $80,000
At 2% cash back, that’s $1,600/month – $19,200/year – left on the table because your vendors won’t take a card.
$19,200
OnlineCheckWriter.com fixes this. Pay anyone with your credit card. They get paid their way – check, ACH, or wire. You earn full rewards on every dollar.
How It Works
Three Steps.
Full Rewards.
Your payee never needs to change how they get paid. No signup required on their end. You just earn.
Enter Your Payment
Add a payee – any vendor, landlord, contractor, or employee. Enter the amount. Done in 30 seconds.
Pay with Your Card
Select your Visa, Mastercard, Amex, or Discover as the funding source. Your card earns the reward on this transaction.
Almost Every Bill You
Already Write
If it’s a business expense, you can almost certainly pay it through OnlineCheckWriter.com with your credit card.
Commercial Rent
Landlord won’t take a card? Doesn’t matter anymore.
Vendor Invoices
Any supplier, even check-only or ACH-only vendors.
Payroll
Earn rewards on every employee paycheck you run.
Contractors
Pay anyone with a bank account or mailing address.
Insurance Premiums
Large recurring payments that earn points fast.
Utility Bills
Electric, gas, water, internet – all rewards-eligible.
Tax Payments
Pay government obligations you never could by card.
SaaS Subscriptions
Stack rewards on every monthly software renewal.
International Vendors
Pay overseas suppliers while still earning rewards.
One Platform for Your
Entire Payment Workflow
Rewards are the bonus. A complete AP/AR platform is the foundation.
Pay by Credit Card
Any major card network. Any payee. Full rewards.
Print Checks
Design and print business checks from your desk.
Mail Checks
We print and mail via USPS or FedEx. Overnight available.
ACH / Direct Deposit
One-time or recurring. Low transaction fees.
Wire Transfers
Domestic and international. Fast and tracked.
eChecks
Send one-time printable PDF checks with tracking.
Invoice Management
Create, send, and track invoices in one place.
Bank Reconciliation
Auto-reconcile across all connected accounts.
Common Questions
Can I pay vendors who don't accept credit cards?
Yes. We charge your credit card, then pay your vendor via check, ACH, or wire - however they prefer to receive payment. They don't need to sign up for anything or change their payment process. You earn the rewards.
Is there a fee for paying by credit card?
Yes, a standard processing fee applies - similar to industry norms (typically 2.9%). For businesses using 2%+ cash back cards, the rewards earned frequently offset or exceed this fee, especially on higher-value payments. See full current fees at OnlineCheckWriter.com/pricing.
Which credit cards work with the platform?
All major networks are supported: Visa, Mastercard, American Express, and Discover. Business rewards cards like Chase Ink Business, Amex Business Gold, and Capital One Spark are especially effective for maximizing returns on high-volume payments.
Can I run payroll funded by my credit card?
Yes. The Payroll by Credit Card feature lets you fund employee paychecks with your credit card. Employees receive pay via direct deposit or check. You earn rewards on the full payroll amount - potentially thousands of dollars per month.
How does the 30-day float benefit my cash flow?
When you pay by credit card, the money doesn't leave your bank account until your credit card statement is due - typically 30 or more days after the payment. You can pay a $20,000 vendor invoice today and keep that $20,000 in your account for another 30 days, available for other business needs.
How do I get started?
Sign up at OnlineCheckWriter.com - no credit card required for the trial. Your 15-day free trial includes full platform access: unlimited checks, all payment methods, unlimited bank accounts, and multi-user access. You can complete your first credit card-funded payment the same day you sign up.
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"