Pay by Credit Card
Pay Any Vendor – Even If They Don’t Accept Cards
Your vendor gets a check, ACH, or wire. You use your credit card. Nobody changes a thing – except you start earning rewards on every payment you were already making.
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Pay vendors, landlords, and contractors with your credit card
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Payee receives a check, ACH transfer, or wire – their choice
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Your vendor doesn’t need to sign up or change anything
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Earn cashback, points, or miles on every dollar you pay out
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Auto-syncs with QuickBooks, Xero, and other accounting tools
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Most Businesses Are Leaving Money on the Table – Every Single Month
Every check you write and every bank transfer you make is cash leaving your account that day. No float. No rewards. No flexibility. And your credit card rewards program just sits there, earning nothing on your biggest expenses.
Cash leaves immediately
Bank transfers drain your account the same day. No buffer. No breathing room.
Zero rewards on B2B payments
Vendor invoices, rent, and insurance earn nothing when paid by check or ACH.
Manual reconciliation
Payments don’t auto-sync, so your books fall behind and month-end is painful.
Vendors won't accept cards
Most suppliers, landlords, and contractors only take checks or bank transfers.
Pay Any Vendor by Credit Card in 5 Simple Steps
You pay by credit card. We handle the conversion. Your vendor gets paid how they want.
Add your vendor's information
Enter their name, address, and payment details. Your vendor doesn’t need to sign up or do anything. They just get paid.
Enter the payment amount
Enter the invoice amount. Pay now or schedule for a future date. Works great for monthly rent, recurring vendor bills, and utilities.
Select credit card as your payment source
Choose your business credit card. A 2.90% processing fee applies. No hidden charges. Nothing passed on to your vendor.
Choose how your vendor gets paid
You pick the format that works for them – whether that’s a mailed paper check via USPS or FedEx, an ACH direct deposit, a domestic wire transfer, or an eCheck sent straight to their email.
Track it. Reconcile it. Done.
Every payment auto-syncs to QuickBooks, Xero, and other accounting tools. Your books stay accurate without manual entry.
Pay Any Business Expense by Credit Card
Works anywhere your vendor doesn’t accept cards directly – which is most places.
Business Rent
Landlord wants a check. You want rewards. Charge your card – a check goes out. You earn rewards on one of your biggest fixed costs.
Vendor & Supplier Invoices
Fund large supplier invoices by credit card. Vendor gets ACH or check. You keep working capital and earn rewards on every transaction.
Business Insurance
Insurance companies prefer check or bank transfer. Route premiums through your credit card. Earn rewards on a bill you pay anyway.
Contractors & Freelancers
Your contractors want ACH or check. You want to use your card. Both are true at the same time. Fund by card, they get the ACH they expect.
Taxes & Government
Business tax payments sent as ACH or check through your credit card. Stop draining cash on one of your biggest annual obligations.
Utilities & Mortgage
Fixed monthly costs that never accept cards. Route them through credit card. Build a steady rewards stream out of expenses that used to earn nothing.
Four Reasons Businesses Use This Every Month
01. Your cash stays in your account longer
Charging to your credit card instead of your bank buys you 21 to 30 extra days. Use that window to cover payroll, take on new work, or handle an unexpected expense.
02. Earn rewards on bills that usually earn nothing
$20,000/month in vendor payments on a 2% cashback card earns $4,800 a year. That is real money from expenses you were making anyway.
03. Pay anyone. No exceptions.
Your vendor’s preferences don’t limit you. Paper checks, ACH, wire – they get paid how they want. You use your credit card regardless.
04. Your books stay clean automatically
Every payment syncs with your accounting software. No separate data entry. No manual reconciliation at month end.
Common Questions
Can I pay a vendor by credit card if they don't accept cards?
Yes - and that is exactly what this feature is built for. You pay through OnlineCheckWriter.com using your credit card. The platform converts your card payment into a check, ACH transfer, or wire, and delivers it to your vendor in the format they already accept. Your vendor never sees a card transaction. They just get paid.
Does my vendor get charged any fees?
No. Your vendor receives the full payment amount with no deductions. No merchant fee. No platform charge. The only fee is a 2.90% processing fee charged to you - the payer. Your payees receive exactly what is owed on the invoice.
What payment formats can my vendor receive?
You choose: a mailed paper check via USPS or FedEx, an ACH direct deposit to their bank account, a domestic wire transfer for faster delivery, or an eCheck sent by email. You pick the format when setting up the payment - based on whatever your vendor prefers.
Is the 2.90% processing fee worth paying?
It depends on your situation. If your card earns 2% cashback, you're paying a net cost of about 0.90 cents per dollar. But keeping cash in your account for 21-30 extra days often matters as much as the rewards - especially for businesses managing cash flow between receivables. Run the numbers for your own monthly payment volume.
Does OnlineCheckWriter.com work with QuickBooks?
Yes. OnlineCheckWriter.com integrates with QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, FreshBooks, Wave, Sage, Bill.com, and more. Every payment syncs automatically to your connected accounting software. No manual entry, no separate reconciliation step.
How long does it take for my vendor to receive payment?
Mailed checks typically arrive in 3-7 business days. ACH transfers complete in 1-3 business days. Wire transfers can arrive same day or next business day. eChecks are delivered by email and can be received within minutes. Times are estimates and may vary.
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