How to Accept Credit Card Payments – Secure, Simple, No Merchant Account
Send a payment link, get paid instantly. Your customers pay by credit card while you receive funds via ACH or check – your choice. No merchant account fees. No setup hassles. Up and running in 5 minutes.
OnlineCheckWriter.com - powered by Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.
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Accept Credit Card Payments in 3 Simple Steps
No complex setup. No merchant account. Start collecting card payments today.
01
Create Your Payment Link
Generate a secure payment link in seconds. Add your invoice amount, description, and customer details. Customize for one-time or recurring payments.
02
Send Link to Your Customer
Share via email, text, social media, or invoice. The link opens a secure checkout page where customers enter their card details safely – no account needed.
03
Choose How You Get Paid
Receive funds via ACH bank transfer (1-2 days) or check delivery. You choose what works best for your business. Funds go directly to your account.
Unlike Traditional Processors – You Choose How You Get Paid
No merchant account setup, no monthly fees, no long-term contracts. Your customers pay by card; you receive funds via ACH or check.
Traditional Processors
- Merchant account required
- 3-7 day approval process
- $10-$50 monthly fees
- 1-3 year contracts
- Bank deposit only – no choice
- Setup fees $0-$500
OnlineCheckWriter.com
- No merchant account needed
- 5-minute instant setup
- Affordable monthly fees
- Month-to-month, cancel anytime
- ACH or check – your choice
- setup fees
Accept Credit Card Payments in 3 Simple Steps
No complex setup. No merchant account. Start collecting card payments today.
Freelancers & Consultants
Accept client payments without merchant account overhead. Get paid 5x faster than traditional invoicing. Send a link, get paid today.
B2B Companies
Enable clients to pay large invoices by credit card. Accept payments of any size with bank-level security and full compliance.
Professional Services
Law firms, accountants, and consultants can accept retainers and fees via secure payment links – no merchant account required.
Real Estate & Property
Collect rent, deposits, and fees from tenants who prefer credit card payments. Payments post automatically to your records.
Medical Practices
Collect co-pays, balances, and service fees securely. HIPAA-compliant infrastructure keeps patient data protected.
Growing Businesses
Accept credit card payments from clients and customers. Fast setup with no merchant account required. Scale without limits.
FREQUENTLY ASKED QUESTIONS
Do I need a merchant account to accept credit card payments?
No. OnlineCheckWriter.com doesn't require a merchant account. Customers pay with credit cards, and you receive funds via ACH or check (your choice) - eliminating setup hassles and monthly fees.
How long does it take to receive funds?
You choose how to receive funds: ACH bank transfer (1-2 business days) or check delivery (3-5 business days). Select the option that works best for you - every payment, every time.
What credit cards can I accept?
All major credit cards: Visa, Mastercard, American Express, and Discover. Customers can also pay via ACH bank transfer if they prefer a direct bank payment.
Can I accept payments without a website?
Yes. Payment links work without a website. Create a link in your dashboard and share it via email, text, social media, or invoices. Your customer clicks the link and pays - no website needed.
What are the fees?
2.9% per credit card transaction, plus any applicable additional fees based on the selected transfer method (ACH, wire transfer, or check mailing) used to deliver funds to the recipient. No monthly fees. No setup costs.
Is customer payment data secure?
Yes. We're PCI DSS Level 1 compliant with 256-bit SSL encryption, SOC 2 certification, and bank-level security standards. All card data is tokenized and protected. Your customers' information is never stored in plain text.
Start Accepting Credit Card Payments Today
Join over 1 million businesses using OnlineCheckWriter.com to get paid faster and manage cash flow smarter.
Real Stories, Real Results
Experience fast, secure, and cost-effective payments
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"