One Platform for All Your Business Credit Facilities
Most small businesses manage payments through three or four separate tools – and still miss the payment method a vendor actually needs. OnlineCheckWriter.com puts every credit facility in one place
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
The Problem
Scattered Payment Tools Are Costing You Time and Money
When you need credit facilities that actually fit how your business pays, juggling multiple platforms isn’t a system – it’s a liability.
Too Many Separate Platforms
One tool for ACH, another for wire transfers, a third for check printing. Each has its own login, fees, and support line. When a vendor needs a different payment method, you’re scrambling between tabs instead of running your business.
Manual Reconciliation Every Month
When your payments live across different platforms, nothing auto-reconciles. You export CSV files, cross-reference entries in QuickBooks or Xero, and spend hours fixing mismatches. This is the kind of work that should have been eliminated years ago.
Payments That Miss Deadlines
When you have to switch tools mid-payment or find out your provider doesn’t support a specific method, payment delays happen. Missed vendor deadlines damage relationships that took years to build. Late fees add up fast.
No Central Audit Trail
When payments scatter across tools, so does your history. Tax season becomes a forensic exercise. Audits take three times as long. There’s no single view of what went where and when – and that’s a real financial risk for your business.
The Solution
Complete Credit Facilities, One Platform
OnlineCheckWriter.com, gives your business access to every major credit facility in a single cloud-based platform – with all transactions synced to your accounting software in real time.
Credit Card Payments
Pay vendors, contractors, and suppliers using your business credit card – even when they don’t accept card payments. The platform converts your credit payment into whatever delivery method the vendor needs: check, ACH, or wire.
ACH & Direct Deposit
Send one-time or recurring ACH payments to vendors, employees, or contractors with low transaction fees. Direct deposits process reliably and on schedule – no manual steps required once you set up your recipients.
Domestic Wire Transfers
Send same-day domestic wire transfers for time-sensitive or high-value transactions. Wire payments are final and irrevocable – exactly what you need when a vendor requires certainty of payment before releasing goods or services.
QuickBooks, Xero & Sage Integration
Every payment you make syncs automatically with your accounting software. No CSV exports. No manual entry. Whether you use QuickBooks, Xero, Zoho Books, or Sage, your books stay current with every transaction.
How It Works
Set Up Your Credit Facilities in Minutes
No lengthy onboarding. No calls with a rep. Most businesses are sending payments in under 10 minutes from signup.
Create Your Free Account
Sign up at OnlineCheckWriter.com – no setup fee, no contract. Connect your business bank accounts and link the accounting software you already use. The platform walks you through each step with clear prompts. It takes minutes, not hours.
Add Your Payment Recipients
Enter your vendors, suppliers, contractors, or employees as payees. For each recipient, choose their preferred payment method – ACH, wire transfer, printed check, eCheck, or mailed check. You only have to do this setup once per recipient.
Send, Track, and Reconcile
Initiate payments from your dashboard, choose your funding source, and send. Every payment tracks in real time and syncs to your accounting software automatically. Your payment history, receipts, and records are always in one place – ready for tax season or an audit.
Key Features
Features That Make a Real Difference
These are the tools inside OnlineCheckWriter.com that turn your payment process from a burden into a business advantage.
Check Printing on Blank Stock Paper
Print business checks at your desk using a regular printer and blank check paper – no pre-printed forms needed. Use the platform’s drag-and-drop designer to add your logo, bank details, and signature. It works with any US bank account and produces MICR-compatible checks.
Check Mailing via USPS and FedEx
Need to mail a check but don’t want to leave your desk? OnlineCheckWriter.com prints and mails checks on your behalf through USPS or FedEx – including overnight delivery when speed matters. You send the payment details; the platform handles the rest.
Role-Based User Access and Approvals
Give your accountant, bookkeeper, or finance team access to the platform with defined permissions. Set approval thresholds so large payments require a second sign-off before they go out. Every action is logged with a full audit trail – who approved what and when.
Full Mobile Access
The OnlineCheckWriter.com mobile app lets you manage all your payment facilities on the go. Approve pending payments, check transaction status, or send a new payment from your phone. Your business doesn’t stop when you’re away from your desk – and neither do your credit facilities.
Positive Pay Fraud Protection
Positive Pay matches every outgoing check against your issued-check register before the bank processes it. Any check that doesn’t match gets flagged for your review. This blocks check fraud before it clears – protecting your accounts without adding manual work to your process.
Common Questions
What credit facilities does OnlineCheckWriter.com provide?
OnlineCheckWriter.com provides businesses with access to multiple credit and payment facilities in one platform: credit card payments, ACH transfers, domestic wire transfers, eChecks, printed checks, and mailed checks via USPS or FedEx. You can manage all these payment methods from a single dashboard, connected to your bank accounts and accounting software.
How does OnlineCheckWriter.com integrate with QuickBooks, Xero, and Sage?
The platform connects directly with QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, Sage, Wave, and other major accounting tools. Every payment you send or receive syncs to your accounting software automatically - no manual export or re-entry required. This keeps your books accurate and your reconciliation fast.
What is the difference between ACH and wire transfer on this platform?
ACH transfers are cost-effective and typically settle in one to two business days - ideal for recurring vendor payments, payroll, and bill pay. Wire transfers are same-day and irrevocable - best used when a vendor needs payment certainty before releasing goods or services. OnlineCheckWriter.com supports both so you can choose the right method for each payment.
Is OnlineCheckWriter.com safe for business payments?
Yes. OnlineCheckWriter.com, holds SOC 1, SOC 2, PCI DSS, ISO 27001, ISO 9001, and HIPAA certifications. FDIC coverage is provided through partner banks Texas National Bank and Lincoln Savings Bank. All transactions use bank-level encryption, and Positive Pay fraud protection adds an additional layer of security for outgoing checks.
Can small businesses use credit facilities on OnlineCheckWriter.com without a large volume of payments?
Yes. The platform is built for small businesses and has no minimum payment volume requirement. You can start with as many or as few payments as your business needs and scale up as you grow. There are no hidden fees and no long-term contracts required to get started.
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"