Pay Invoices with Credit Card Any Vendor Any Amount
Your vendors want checks or ACH. You want to use your credit card. That used to be a problem. Not anymore. OnlineCheckWriter.com lets you pay any invoice with your card
OnlineCheckWriter.com- Powered by Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National.
How It Works – 3 Simple Steps
Paying invoices with a credit card through OnlineCheckWriter.com takes less time than writing a check by hand.
Step 1 Enter Your Invoice Details
Log in to your account. Enter the vendor name, address, invoice amount, and any memo. Use bulk CSV import for multiple invoices.
Step 2 Pay with Your Credit Card
Pick credit card as your payment method. See the full total, including any processing fees, before you hit confirm. No surprises.
Step 3 Your Vendor Gets Paid
Choose how your vendor gets their money: Check by mail, ACH transfer, or Wire transfer. They don’t know you paid by card.
How it works behind the scenes:
OnlineCheckWriter.com acts as a payment intermediary. You pay with your credit card. We take that payment and deliver it to your vendor the way they want it – check, ACH, or wire. That is how you pay invoices with a credit card even when your vendor only takes checks or bank transfers.
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Why Pay Business Invoices with a Credit Card?
Switching to credit card payments gives you four clear advantages.
Earn Credit Card Rewards on Every Payment
Every invoice you pay earns rewards based on your card program. Cashback, points, or miles on rent, utilities, contractors, and suppliers.*
Extend Your Cash Flow by Up to 30-60 Days
The charge goes on your card’s billing cycle. You may get weeks of extra time before the balance is due, keeping more cash in the bank right now.
Pay Any Vendor - Even If They Don't Accept Cards
Most B2B vendors do not take credit cards. You pay by card on our platform. Your vendor gets a check, ACH, or wire. No changes on their end.
Track Every Payment in One Place
Every payment gets logged automatically. Pull up your payment history anytime. Syncs with QuickBooks, Xero, or other accounting tools.
Understanding the Cost – And the Value You Get Back
Paying invoices with a credit card comes with a processing fee. OnlineCheckWriter.com charges a competitive processing fee on each credit card payment. Check our pricing page for current rates.
What You Get
How It Helps Your Business
Credit card rewards
Your card’s cashback, points, or miles on payment you make
More time to pay
You may get extra weeks before your card balance is due, depending on your billing cycle
Hours back in your week
No more writing checks, stuffing envelopes, buying stamps, or going to the post office
Clean records
Every payment logged automatically – payee, amount, date, status – all in one dashboard
Who Uses OnlineCheckWriter.com to Pay Invoices by Credit Card?
Small Business Owners
Earn rewards on regular vendor bills, keep cash flow steady, and stop spending time on accounts payable.
Accounts Payable Teams
Bulk payment tools, accounting software integration, and a clean audit trail for hundreds of vendor payments.
Freelancers & Consultants
Earn rewards on recurring bills and get breathing room between client payments with extra float.
Contractors & Construction
Pay subcontractors and suppliers who only take checks by credit card, keeping projects on track.
Property Management
Pay maintenance crews and utilities across multiple properties from a single dashboard.
$1M+
Business Accounts
20M+
$91B+
Transaction Volume
80%
Check Cost Savings
Understanding the Cost – And the Value You Get Back
Import your invoices, pay by credit card, and your books stay current. No typing things twice. No messy reconciliations.
- QuickBooks
- Xero
- Gusto
- ADP
- Wave
- Zapier
- Square Payroll
Your Payments Are in Safe Hands
Your credit card details and vendor payment data are handled with multiple layers of security designed to help protect your account and transactions.
- 256-bit SSL encryption on every transaction
- PCI DSS compliant payment processing
- Multi-factor authentication available on all accounts
- MICR encoding on every printed check
- Positive Pay support to help reduce the risk of check fraud
- Audit trail every action logged with timestamps
FREQUENTLY ASKED QUESTIONS
Can I pay any invoice with a credit card?
Yes. OnlineCheckWriter.com lets you pay any vendor invoice with your credit card - even if the vendor does not take credit cards. You pay by card on our platform. We deliver the payment to your vendor as a check, ACH transfer, or wire transfer.
How do I pay a vendor invoice with a credit card if they don't accept cards?
OnlineCheckWriter.com works as a payment intermediary. You enter your invoice details, pay with your credit card, and pick how your vendor gets the funds. They receive a check in the mail, an ACH deposit, or a wire transfer. They do not need to accept credit cards on their end.
How long does it take for the vendor to get paid?
It depends on the method you pick. ACH transfers generally arrive within a few business days. Mailed checks go out through USPS, and delivery depends on standard postal times. Wire transfers are typically the fastest option. Actual timelines may vary based on banking and postal processing.*
Will my vendor know I paid with a credit card?
No. Your vendor gets a standard check, ACH transfer, or wire transfer. It looks like a normal business payment. Your payment method is not shared with the vendor.
Your Vendor Invoices Could Be Earning You Rewards. Here Is How to Start.
Every check you write and every ACH you send earns zero rewards. Your vendor invoices are probably one of your biggest monthly costs. Now you can put them on your card too.
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"
No Hidden Fees
*Credit card payment processing is subject to approval and may be subject to transaction limits. Processing fees apply – visit our pricing page for current rates.
*Credit card rewards (cashback, points, miles) are determined and provided by your credit card issuer, not by OnlineCheckWriter.com. Reward amounts, eligibility, and terms vary by card program. Contact your card issuer for details.
*All payment delivery timelines are estimates and may vary based on banking institution processing, postal service delivery, and other factors outside of OnlineCheckWriter.com’s control.
*Features, integrations, and pricing are subject to change. Visit OnlineCheckWriter.com for the most current information.