Pay Vendors With a Credit Card | OnlineCheckWriter

Pay Vendors With a Credit Card

Pay Any Vendor With a Credit Card, Even If They Don’t Take Cards.

Fund the payment with your business credit card. We deliver it to your vendor as ACH, wire, or a mailed check, whatever they normally accept. Your vendor sees a normal payment, not a card charge.

Pay a Vendor by Card
Book a Demo

OnlineCheckWriter.com, powered by Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.

Payment funded

•••• •••• •••• 4471
HARTWELL SUPPLY COBUSINESS CARD
VALID THRU09/28
2.90% fee • earns your card’s rewards
Riverside Logistics LLCInvoice #4892
$4,250.00
ACH transferVendor’s preference
Wire transferSame business day
Mailed checkUSPS or FedEx
Send Payment
Why businesses use this

Stretch cash flow without asking vendors to change anything

Fund any bill with your business credit card. Your vendor still gets paid the way they always have, ACH, wire, or a mailed check.

No vendor sign-up

Your vendor doesn’t need an account or to accept cards. They receive the payment the way they normally do.

Up to 30–45 extra days

Fund the payment today, and pay off your card on your own billing cycle, often 30 to 45 days later.

Earn rewards

Every payment you fund with your card earns whatever points or cash back your card already offers. Rewards are set by your card issuer and subject to its program terms.

Approval controls

Add team members and require sign-off before a card-funded payment goes out.

How it works

Pay a vendor by card in three steps

You never send your vendor a card number. They receive a normal payment.

Add the vendor and amount

Enter who you’re paying and how much, or import from QuickBooks, Xero, Zoho Books, Sage, or FreshBooks.

Fund it with your credit card

Choose the card to fund the payment. A 2.90% processing fee applies to you as the payer. Your vendor receives the full amount, no deduction.

We deliver it their way

ACH, wire, printed check, mailed check, or eCheck, whichever your vendor normally accepts. They never see a card involved.

Built for accounts payable

One tool for every vendor payment, funded your way

Whether a vendor takes checks, ACH, or wire, you can fund it from the same card and keep cash in your account longer.

  • Recurring payments and bulk CSV uploads
  • QuickBooks, Xero, Zoho Books, Sage, and FreshBooks integrations
  • Full payment history in your account dashboard
  • Approval workflow before any payment sends

What you get

Processing fee2.90% (you pay it, vendor doesn’t)
Billing cycle windowOften 30–45 days
Delivery optionsACH, wire, check, eCheck
Vendor setup requiredNone

The 30–45 day figure describes the funding-to-settlement window on this payment option; it is not the same as your card issuer’s own due date or grace period, which is set separately by your card agreement. Any rewards, points, or cash back earned are governed by your card issuer’s program terms, not by OnlineCheckWriter.com.

Built for business

Trusted by businesses across the US

1M+
businesses on the platform
2.90%
processing fee, paid by you
No sign-up
required from your vendor
ACH, wire, check
delivered however they prefer
FAQ

Paying vendors by credit card, answered

Does my vendor need to accept credit cards?
No. You fund the payment with your card, and we deliver it to your vendor as ACH, wire, printed check, mailed check, or eCheck, based on their preference. They don’t need to sign up or change how they receive payments.
What does this cost?
A 2.90% processing fee applies to you as the payer. Your vendor receives the full payment amount with no deduction.
How long until I have to pay off my card?
This payment option gives you access to your billing cycle, often 30 to 45 days, before the card balance is due. That window is separate from your card issuer’s own due date and grace period, which are set by your card agreement, not by this window.
Can I use this for recurring vendor bills?
Yes. Recurring payments and bulk CSV uploads are supported, so a repeating vendor bill doesn’t need to be entered manually every cycle.
Does this connect to my accounting software?
Yes. QuickBooks, Xero, Zoho Books, Sage, and FreshBooks are supported, so vendor and bill data can flow in without manual re-entry.

Start today

Pay your next vendor with your credit card

Fund the payment, choose how your vendor gets paid, and keep cash in your account longer.

Pay a Vendor by Card
Book a Demo

OnlineCheckWriter.com, powered by Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements. Payment speed claims apply only to eligible transactions and can be affected by your bank, the receiving bank, and standard verification or fraud screening.