From Checks to Clicks: Why Digital Checks Are Winning the Race

Apr 21, 2025 | Digital Checks

OnlineCheckWriter.com- Powered by Zil Money is a financial technology company, not a bank. OnlineCheckWriter.com offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

Let me paint you a picture. Imagine a busy Tuesday at a mid-sized business—let’s say a wholesale supplier. They’ve just closed a deal, inventory’s moving fast, and vendors are waiting to be paid. But instead of quickly sending payments, someone’s stuck at the printer, wrestling with pre-printed checks, manually signing papers, stuffing envelopes, and hoping the mail won’t delay things again. Sound familiar? This is still the reality for many businesses today. Even though 73% of organizations are already transitioning from paper checks to electronic payments, checks remain stubbornly common in the B2B world. Why? Habit, hesitation, and a belief that paper is somehow safer or more “official.” But that belief is slowly being outpaced by something better—digital checks. And not just any digital checks, but the ones from OnlineCheckWriter.com – Powered by Zil Money.

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The Turning Point in Business Payments

According to the 2022 AFP Payments Cost Benchmarking Survey, businesses are slowly—but surely—ditching paper checks. Back in 2015, the median business processed between 1,000–1,999 checks per month. Fast forward to now, that number’s been sliced in half.

Why?

Because paper checks come with baggage:

  • They’re slow.
  • They cost too much (between $2–$4 to issue).
  • And they open the door wide to fraud.

ACH, on the other hand? Costs just $0.26–$0.50 per transaction. And it’s safer.

Still, 92% of businesses say they continue to receive checks, and 86% still send them. That contradiction exists because many businesses don’t realize how easy it is to switch. Or they think going digital means losing control.

That’s where OnlineCheckWriter.com – Powered by Zil Money enters the chat.

What Makes Digital Checks So Appealing?

Let’s break this down.

1. Cost Efficiency That Speaks for Itself

Paper checks cost your business time and money. Between printing, signing, mailing, and the good old “it got lost in the mail,” you’re spending $2–$4 per check, easy.

Now, consider this: with the cloud-based platform, you may print checks on blank stock paper using your regular printer. No fancy equipment. No third-party vendors. No bulk check orders clogging your supply shelf.

Better yet, you can mail those checks instantly via USPS or FedEx right from the platform—no post office trips. That’s not just convenient. That’s genius.

2. Efficiency That Makes You Feel Like a Genius

According to the AFP, check approval takes an average of 14 days. Fourteen. Days.

Add to that the mailing time, bank clearing, and manual data entry—and you’ve lost nearly three weeks on a single payment.

The cloud-based platform lets you cut that process down to minutes. You can:

  • Design your check with drag-and-drop tools.
  • Add watermarks, logos, and signatures.
  • Choose how it’s sent (print it yourself, email it as an eCheck, or mail it via USPS/FedEx).

No more chasing signatures. No more stacks of pending payments. Just click, approve, and go.

3. Fraud Protection That’s Actually Working

Let’s talk about the elephant in the room: fraud.

According to the 2024 AFP Payments Fraud and Control Survey report, 65% of businesses have experienced check fraud, compared to just 33% for ACH. It’s not hard to see why—checks are physical. They can be stolen, “washed,” or tampered with.

The digital checks use encrypted servers, verified bank connections, and built-in security features like:

  • Digital signatures
  • MICR code validation
  • Two-factor authentication
  • Secure access control for different users

You’re not just saving time—you’re protecting your money.

4. eChecks That Work Just Like Paper—But Quicker 

With OnlineCheckWriter.com – Powered by Zil Money, you don’t need envelopes or stamps to send checks. Just send an eCheck—a one-time printable PDF—straight to the payee’s email. It looks like a regular check and works like one, too.

Even better? You can notify the recipient via SMS as soon as the eCheck is sent, so there’s no confusion or delay. All they have to do is open the email, print the check, and deposit it just like a paper check.

It’s fast. It’s secure. And it’s perfect when you need to send payments but don’t have access to a printer or the post office.

Don’t Just Go Digital—Go Smart

Digital payments aren’t just about doing things online. They’re about doing things better.

OnlineCheckWriter.com – Powered by Zil Money offers a full menu of payment solutions beyond digital checks:

  • ACH & Same-Day ACH: Pay vendors or employees directly from your account.
  • Wire Transfers: For when you need to send large sums fast.
  • Credit Card Payments: Even if your payee doesn’t accept cards, the platform bridges that gap.
  • Payroll by Credit Card: Yes, you can fund payroll—even during cash crunches—using your card without hurting your employees or vendors​.

But…Why Are People Still Using Paper?

Old habits die hard. Vendors sometimes prefer checks because they’re familiar. They’re tangible. And sometimes, businesses are just afraid of change. The process of “revamping” payments sounds intimidating.

But here’s the thing—the platform isn’t just for big corporations with IT departments. It’s built for small and medium-sized businesses that need flexibility and clarity. It’s for companies who want:

  • Instant payouts
  • Better cash flow 
  • Easy integrations 
  • No hidden fees 
  • Full control

In short—it’s for businesses that want to move faster and smarter.

Final Word

Checks still have their place—but not when they’re slowing you down.

Digital checks from OnlineCheckWriter.com – Powered by Zil Money give you the flexibility of traditional checks without the delays, costs, or security risks. They help businesses work faster, stay accurate, and most importantly—get paid and pay on time.

So, if you’re tired of manual payments, printing stacks of checks, or dealing with snail mail delays, take this as your sign.

Join the 73% already moving forward. Switch to digital checks today.

Get in Touch

(408) 775-7720

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

support@onlinecheckwriter.com

Email us to resolve any queries you have about OnlineCheckWriter.com.

111 N Market St, San Jose, CA 95113

PO Box 6543, Tyler TX 75711

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