Invoice Generator
Create invoices.
Get paid today.
No complicated software. Fill in your details, attach a payment link, and send by email or SMS in under two minutes. Your customer pays by card or bank transfer. Done.
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
Still Creating Invoices in Word or Excel?
That’s exactly why you’re not getting paid on time.
Manual invoicing is slow, error-prone, and gives your customers zero easy way to pay. Here’s what that costs you:
You email a PDF and wait 2 weeks for a check
You can’t tell if your client even opened the invoice
A client claims they never got it – and you have no proof. You email a PDF and wait 2 weeks for a check
You spend an hour a week just chasing late payments
You’re mailing physical checks instead of working
The problem isn’t your clients. It’s a broken process – and the fix takes about two minutes.
Build invoice in Word/Excel
25 minutes, error-prone
Export and email as PDF attachment
Client gets a file, not a payment
Wait... follow up... wait again
14+ days average to get paid
▼ THE BETTER WAY
Create invoice - under 2 min
Auto-calculated totals, payment link attached
Send by email or SMS - one click
Clients taps link, pay by card or bank
Money in your account - same day
No follow-up. No chasing. Done.
The Solution
One Platform. Create Invoices. Get Paid. Pay Your Bills.
Most invoice generators let you download a PDF. That’s it. OnlineCheckWriter.com closes the entire loop – from creating the invoice to collecting payment to paying your own vendors. All from one dashboard.
Create Invoice
Attach Payment Link
Send Email / SMS
Customer Pays
Funds Deposited
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.
Log in
Go to Receivables in your dashboard. Your business info is already saved – you only enter it once.
Add your customer and line items
Enter your customer’s name and email. Add what you’re charging for with quantities and rates. Totals calculate automatically. Add taxes, discounts, or a memo.
Attach a payment link
One click adds a live payment page to your invoice. Customers pay by card, debit, or ACH. No account required on their end.
Send by email or SMS
Hit send. You’ll be notified when your invoice is opened and when it’s paid. No following up. No wondering.
Everything Included
What’s in the Invoice Generator
Every feature you need to bill professionally and get paid fast – at no extra cost.
Professional Invoice Creation
Custom invoice number, date, due date, line items, taxes, discounts, logo, and private memos. Auto-calculated totals. PDF download ready.
Built-In Payment Links
Every invoice can include a live payment link. Customers pay by credit card, debit card, or ACH – no account needed. Get paid the same day.
Send by Email or SMS
Send invoices directly from the platform. Get notified the moment your invoice is viewed and the moment it’s paid.
Invoice Tracking Dashboard
See all invoices in one place – sent, viewed, paid, overdue. Full transaction history accessible from any device, anytime.
Recurring Invoices
Set up automatic invoicing for regular clients. Weekly, monthly, or any custom interval. Configure once and the platform does the rest.
Bank Reconciliation
Connect any bank account. Payments match to invoices automatically. Multi-user access with approval workflows for your accounting team.
Beyond a Basic Invoice Tool
Why This Is More Than Just an Invoice Maker
Free invoice generators stop at the PDF. OnlineCheckWriter.com closes the entire payment cycle – getting paid and paying others – from one platform.
Need to mail a check to a vendor?
Print it from your desk on blank check stock – or click once and we print and mail it via USPS for $1.25 or FedEx. You never leave your office.
Customer wants to pay by card but you don't accept cards?
Accept credit card payments through your invoice’s payment link – no merchant account required. The customer pays with a card; you get the funds.
Need to pay multiple vendors at once?
Upload a spreadsheet and run bulk ACH payments or print bulk checks in one step. No manual entry per payment. No per-vendor logins.
Already using QuickBooks or Xero?
Import invoices and bills directly. Pay vendors using any method on the platform. Your accounting data stays in sync – no double entry.
Full AP & AR Management
Manage Invoices and Bills – In One Dashboard
Two sides of your cash flow. One platform.
Get Paid - Accounts Receivable
- Create and send invoices to customers
- Send payment request links
- Accept card, ACH, or bank transfer
- Check draft – pull from customer’s account
- Generate deposit slips, auto-reconcile
Pay Others - Accounts Payable
- Create and track vendor bills in one place
- Schedule payments – never miss a due date
- Pay by check, ACH, wire, card, or virtual card
- Mail checks via USPS for $1.25 or FedEx
- Set approval workflows for your team
Common Questions
What is an invoice generator?
An invoice generator is an online tool that creates professional invoices fast. You enter your business name, customer details, and what you're charging for. The tool calculates the total automatically. You can download the invoice as a PDF, email it, or attach a payment link and send it directly from the platform.
Is this invoice generator free?
Yes. OnlineCheckWriter.com offers a free plan to get started. You can create invoices, send them, and accept payments at no cost. Paid plans unlock higher volume, additional payment methods, and advanced features like bulk ACH, check mailing, and team access.
How do I create an invoice online?
Log in to OnlineCheckWriter.com. Go to Receivables and click '+New Invoice.' Enter your customer's name, add your line items, apply taxes or discounts, and save. From there, email or text the invoice with a payment link attached - all in one click.
What's the difference between an invoice and a bill?
An invoice is something you send to a customer asking them to pay you. A bill is something a vendor sends to you asking you to pay them. OnlineCheckWriter.com manages both from the same dashboard - invoices for money coming in, bills for money going out.
Can customers pay invoices by credit card?
Yes. When you attach a payment link to your invoice, customers can pay by credit card, debit card, or ACH bank transfer. They don't need an account. They click the link and pay. Funds are deposited to your account quickly - often the same day.
Can I send an invoice by text message?
Yes. OnlineCheckWriter.com lets you send invoices by SMS as well as email. Your customer receives a text with a link to the invoice and a live payment page. This is especially useful for clients who prefer to pay from their phones.
Does this work with QuickBooks?
Yes. OnlineCheckWriter.com integrates with QuickBooks Online and QuickBooks Desktop. Import your invoices and bills, then pay vendors using any method on the platform — check printing, check mail, ACH, wire transfer, or credit card.
How much does it cost to mail a check?
OnlineCheckWriter.com mails physical checks via USPS for $1.25 per or FedEx check. You create the check in your dashboard. We print it and mail it. You never touch an envelope or go to the post office. Overnight FedEx delivery is also available.
Can I use recurring invoices?
Yes. Set up recurring invoices for clients you bill on a regular schedule — weekly, monthly, or any custom interval. The platform sends the invoice automatically on the date you set. No manual work required once configured.
Is my business data secure?
Yes. OnlineCheckWriter.com is certified under SOC 1, SOC 2, PCI-DSS Level 1, ISO 27001, HIPAA, CCPA, and NIST 800-53. All transactions use bank-grade encryption. Fraud detection is built into the infrastructure.
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
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