Make a Payment Online – Fast, Secure, and Low Fee
Every time you log into a separate portal to pay a vendor or write a check by hand, you’re spending time your business can’t afford. OnlineCheckWriter.com gives you one place to make a payment – any method, any payee, any device.
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
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The Real Cost of Outdated Payment Workflows
Why Business Payments Still Cost More Than They Should
Managing business payments can get complicated – especially as your vendor list grows. These are the friction points that quietly drain time and money from small businesses every week.
Wire Fees That Add Up Fast
A standard bank wire costs $25-$50 per transaction. When you’re making multiple vendor payments each week, those fees grow into hundreds of dollars of overhead every month – money that isn’t going toward your business.
Too Many Separate Portals
You log into your bank for ACH, another system for wire transfers, and a third for checks. That’s three logins and three workflows – each one a chance to enter the wrong amount or miss a deadline entirely.
No Central Payment Record
When a vendor says they never received payment, you spend an hour digging through bank statements and emails to prove it. Without one searchable payment history, resolving disputes takes far longer than it should.
Limited Payment Method Choices
Not every vendor accepts credit cards. Not every supplier prefers ACH. When your payment options don’t match what the payee accepts, the transaction stalls – and so does your relationship with that vendor.
How OnlineCheckWriter.com Fixes This
One Platform to Make a Payment – Any Way They Prefer
OnlineCheckWriter.com – is built so small business owners can make a payment online without juggling multiple banking portals. Every method is in one place, and every transaction is tracked automatically.
Pay Any Way They Want
ACH, wire transfer, eCheck, physical check, credit card, or gift card – you choose the method that works for each transaction. Vendors receive funds the way they prefer, and you send them without switching platforms.
One Dashboard, All Payments
Every payment you make is logged, searchable, and trackable in a single dashboard. When a vendor questions a transaction, you find the confirmation in seconds – no more scrambling through bank statements.
Pay by Credit Card - Even When They Won't Accept It
This is a feature most payment platforms don’t offer. You can make a payment using your business credit card even when the payee only accepts ACH or wire. You earn card rewards; they get paid the way they want.
Bulk and Recurring Payments
Need to pay 50 vendors at once or run weekly payroll? Upload a spreadsheet and send payments in one step. Set up recurring schedules so routine payments go out automatically, without any manual effort from your team.
How It Works – Simple Steps to Make a Payment
Getting started takes minutes, not days. Here’s exactly how the process works from signup to sent payment.
Create Your Free Account
Sign up at OnlineCheckWriter.com at no cost – no credit card required at signup. Connect your business bank account using a secure, encrypted link with 22,000+ supported financial institutions.
Add Payee and Payment Details
Enter your vendor or payee details, set the payment amount, and choose your method – ACH, wire, eCheck, check, or credit card. The platform validates entries in real time to catch errors before they happen.
Send and Track the Payment
Confirm and send. OnlineCheckWriter.com delivers the payment and logs every detail – amount, method, date, and delivery status – in your dashboard. You get confirmation, and your vendor gets paid.
Features That Make a Real Difference
OnlineCheckWriter.com combines every payment tool your business needs into one straightforward platform – so you stop managing payments across separate systems.
ACH Payments With Low Transaction Fees
ACH is the most cost-efficient way to make a payment online for most businesses. OnlineCheckWriter.com processes ACH transfers at low transaction costs – well below standard bank wire fees. One-time and recurring ACH are both supported from the same dashboard.
Wire Transfers - Domestic and International
When a payment needs to arrive the same day, wire transfers get it done. OnlineCheckWriter.com supports both domestic and international wires from a single interface. Because there is no separate portal to log into, the process takes minutes instead of hours.
Check Mailing Without Leaving Your Desk
Some vendors still prefer a paper check. Instead of printing and mailing it yourself, OnlineCheckWriter.com prints and ships your check via USPS or FedEx on your behalf. You never leave your desk to complete the payment.
eChecks Sent by Email or Text
eChecks let you digitize your check payments without giving up the check format your vendors already recognize. They are delivered instantly via email or SMS. Recipients print and deposit them like a standard check – no app or special account needed on their end.
Role-Based Approval Workflows
Give team members controlled access to the payment platform. Set up approval workflows so no payment leaves your account without the right sign-off. In other words, your finance team can initiate payments while you or a manager maintains final approval authority.
Mobile App - Make a Payment From Anywhere
The OnlineCheckWriter.com mobile app gives you full access to your payment dashboard from any device. For example, you can approve a vendor payment from your phone on the road, then check the delivery status before your next meeting. Every web feature is available in the app.
Common Questions
How do I make a payment online using OnlineCheckWriter.com?
Sign up for a free account, connect your bank account, and choose your preferred payment method - ACH, wire, check, or credit card. The setup process takes minutes. Most payments process the same day or the next business day, depending on the method you choose.
What payment methods can I use to make a payment?
OnlineCheckWriter.com supports ACH, domestic and international wire transfers, physical checks, digital checks sent by email or SMS, credit card payments, and bulk batch payments - all from one dashboard. You're not locked into a single method based on what your vendor accepts.
Is it safe to make a payment through OnlineCheckWriter.com?
Yes. The platform uses bank-level encryption, multi-factor authentication, and is SOC 2 certified. Every transaction is logged and traceable. FDIC coverage is provided through partner banks Texas National Bank and Lincoln Savings Bank, applying to eligible deposits.
Can I make a payment by credit card to someone who doesn't accept cards?
Yes. This is one of OnlineCheckWriter.com's most-used features. Your business credit card is charged, and the recipient receives payment by ACH or check - whichever they prefer. You keep the float, earn rewards, and your vendor gets paid on time without needing a card terminal.
Can I schedule recurring payments or send bulk payments?
Yes. OnlineCheckWriter.com supports recurring ACH payments for regular vendors and payroll, as well as bulk batch payments that let you pay many recipients at once. Upload your list, review it, and send - without processing each payment individually.
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"