Pay Any Bill With
Your Credit Card –
Even If They Don’t Accept Cards
Rent due? Vendor invoice? Payroll? Charge your credit card today. Your payee gets a check in the mail, an ACH transfer, or a wire – whichever they prefer. You keep your cash. You earn rewards. Simple.
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
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24/7
Real-time protection
You Want to Pay by Credit Card.
Most Vendors Won’t Let You.
You’ve got a rewards card sitting in your wallet that could earn you serious cash back every month. But your landlord wants a check. Your vendor wants ACH. Your payroll provider pulls from your bank account. You’re stuck – and it’s costing you more than you think.
You're draining your bank account every month
Every bill you pay directly from your checking account is cash you can’t use for anything else. One slow month, one unexpected expense, and your cushion is gone. There’s no float, no breathing room, no backup.
Most payees flat-out won't accept credit cards
Landlords want paper checks. Vendors want ACH. Contractors want wires. You keep your rewards card in your pocket and pay the old way – over and over again – because there’s been no bridge between your card and their payment method.
You're leaving thousands in rewards on the table
A business spending $60,000/year on bills, rent, and payroll could earn $900-$1,800 in cash back every year at 1.5-3%. That’s real money. And right now, you’re earning $0 on those payments because you had no way to use your card.
Cash gets tight - and payments get late
When income is lumpy and bills don’t care about your cash flow cycle, you delay payments. Vendors notice. Your credit takes a hit. The relationship suffers. The problem isn’t your income – it’s the mismatch between when money comes in and when bills are due.
OnlineCheckWriter Bridges the Gap. You Pay by Card. They Get Paid Their Way.
It works like this: you charge your credit card through OnlineCheckWriter.com – powered by Zil Money. The platform converts that payment into whatever your payee needs. A check in the mail. An ACH deposit. A wire transfer. They never need to know you paid by card.
Sign up free - takes 2 minutes
Create your account at OnlineCheckWriter.com. No credit card required to start your 15-day trial.
Link your credit card
Add your Visa, Mastercard, or Amex as your funding source. Set it as your “Pay From” method.
Add a bill and choose delivery
Enter your vendor, landlord, or employee. Pick how they’ll receive funds: check mail, ACH, wire, or eCheck.
Confirm and send - done
Your card is charged. Your payee gets paid. You earn your rewards. Your bank balance stays intact.
Every Payment Type Your Business Needs – In One Place
Pay Rent by Credit Card
Landlord only accepts checks? No problem. We print and mail a check. You charge your credit card and keep your cash.
Run Payroll by Credit Card
Sync your payroll software and fund wages with your card. Employees get direct deposits, paper checks, or eChecks on time every time.
Pay Vendor Invoices
Upload bills, schedule payments, and manage all your accounts payable in one dashboard. Pay by card – vendor gets ACH or wire.
Print Checks On Demand
Design and print business checks from any printer using blank check stock. No pre-printed checks needed. Works with any bank.
Check Mailing by USPS or FedEx
Need to send a physical check? We print it and mail it for you – via USPS first-class or overnight FedEx. You never leave your desk.
Accept Credit Card Payments Too
Create a payment link and let your customers pay you by card. Funds hit your wallet instantly. One platform handles both sides.
International & Domestic Wires
Send domestic and international wire transfers straight from the platform. Fund them from your credit card or bank account.
Works With QuickBooks, Xero & More
Connect to QuickBooks Online, Xero, Zoho Books, Gusto, Wave, and 20+ other apps. Your accounting stays in sync automatically.
If Your Business Has Bills, This Is for You
From small shops to growing teams – any business that pays bills, rent, or payroll can earn rewards and protect its cash flow.
Small Business Owners
Stop pulling cash from your checking account every month. Use your card’s 30-day float to keep your bank balance healthy, then pay the card statement with income that’s already arrived.
Contractors & Freelancers
Pay subcontractors and suppliers by credit card even when they only accept checks or bank transfers. Keep your cash while projects are still running.
Medical Practices
Manage high monthly expenses – equipment leases, staffing, insurance – without draining operating funds. Earn meaningful rewards on large recurring bills.
Real Estate Investors
Pay property management fees, contractors, and maintenance vendors by credit card. Handle the full payment cycle – in and out – in one platform.
Law Firms & Professional Services
Pay operating expenses with full audit trails and multi-user approval workflows. Keep your billing practices organized and compliant from one dashboard.
Nonprofits & Schools
Stretch every budget dollar by earning cash back on operating expenses. Transparent reporting and multi-user access make board oversight and audits easy.
Common Questions,
Straight Answers.
Can I really pay any bill with my credit card - even if my vendor doesn't accept cards?
Yes. That's exactly what OnlineCheckWriter.com does. You charge your credit card, and the platform converts your payment into whatever method your vendor prefers - a mailed check, ACH transfer, or wire. Your vendor doesn't need to accept cards, set up an account, or change anything on their end.
Will I earn credit card rewards on bill payments?
In most cases, yes. Because you're making a real charge to your credit card, your card issuer typically awards cash back, points, or miles just like any other purchase. Rewards can add up quickly on large monthly expenses like rent, vendor invoices, and payroll. Always confirm with your specific card's terms.
Is there a fee to use this service?
Yes - there's a small processing fee for credit card transactions, which is standard across the industry. Many businesses find the fee is fully offset by the rewards they earn on those same payments. For current pricing, visit our pricing page.
Can I run payroll using my credit card?
Yes. You can sync your payroll software with OnlineCheckWriter.com and fund employee wages with your credit card. Employees receive payments however they prefer - direct deposit (ACH), paper check, or eCheck. It's fully supported and works with most major payroll tools.
Does my landlord or vendor have to sign up for anything?
No. Your payee doesn't need an account and doesn't need to change a single thing about how they receive payments. They simply get paid the usual way - a check in their mailbox, an ACH in their bank, or a wire transfer. Everything happens on your side, invisibly.
Is this platform secure? How is my data protected?
OnlineCheckWriter.com - powered by Zil Money - is SOC 1 and SOC 2 certified, PCI-DSS compliant, ISO 27001 certified, and HIPAA compliant. FDIC coverage is provided through our partner banks, Texas National Bank and Lincoln Savings Bank. Your financial data and transactions are protected at every level.
How is this different from just using my credit card directly?
Most vendors, landlords, and payroll systems don't accept credit cards at all. OnlineCheckWriter.com acts as the bridge: you pay by card, and the platform pays your vendor in the format they actually accept. Without this, your card simply isn't an option for most business payments.
Stop Paying Bills From Your Bank Account. Start Earning on Every Dollar.
Join over 1 million businesses that use OnlineCheckWriter.com to pay bills, rent, and payroll by credit card – while vendors get paid exactly how they want. No setup hassle. No contract. Just a smarter way to handle every payment your business makes.
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"