Payment By Credit Card
Payment By Credit Card accumulates reward points with each transaction. Pay vendors using your credit card, even if they do not accept card payments directly. You can pay rent, taxes, and other bills easily with OnlineCheckWriter.com. Vendors will receive payments through checks, ACH, or wire transfers, and you can choose how they get paid.
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.
 
  
 
 
 
 
 
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Using Credit Cards to Save Money on Business Expenses
Accepting payments by credit card isn’t just convenient—it can also support smarter expense management and healthier cash flow.
Cash-Back & Rewards Potential
Earn Value on Spending: Business credit cards such as the Capital One Spark Card offer up to 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back on eligible spending.
Offset Processing Costs: Cash-back rewards can help offset the 2.90% processing fee, reducing the overall effective cost of transactions.
Tax Considerations
Deductible Processing Fees: Credit card processing fees may be recorded as deductible business expenses, helping lower taxable income.
Additional Tax Advantages: Depending on jurisdiction and applicable tax regulations, businesses may qualify for additional tax benefits when using credit cards for expenses.
Improved Cash Flow Control
Extended Payment Window: Credit cards typically provide a 30–45 day payment window, giving businesses additional time to manage outgoing payments.
Better Capital Timing: During this window, funds can remain available for operational needs or short-term revenue-generating activities.
Detailed Example: Capital One Spark Card
Process Fee: Standard credit card processing applies (2.90%)
Cash Back: Cash-back or rewards may reduce the effective cost (2%)
Tax Break: Processing fees may be recorded as business expenses (0.06%)
Final Fee: The overall cost can be lower than it appears at first glance (0.35%)
Additional Benefit: 30–45 days of payment flexibility supports cash flow planning.Actual fees, rewards, and benefits vary based on card issuer and usage.
Floating Revenue from Bank
Short-Term Cash Utilization: Funds retained in your bank account during the 30–45 day credit card cycle may earn interest or be used for short-term revenue opportunities.
Strategic Capital Use: The float period allows businesses to deploy capital more effectively for urgent expenses or growth opportunities.
Why This Matters
Accepting credit card payments gives you speed, flexibility, and financial control—without changing how your customers pay.
Additional Resources
Explore how accepting payments by credit card helps you get paid faster, improve cash flow visibility, and simplify payment management - without adding complexity.
Cost-Free Transactions
In the past, vendors may have avoided accepting credit card payments because of the associated transaction costs or the required additional fees.
With an OnlineCheckWriter.com subscription, you can easily make payment by credit card to anyone via credit card without transaction charges or extra fees. It means you can keep all your credit card reward points, and there’s no more headache over credit card charges.
Our Features AP/AR
OnlineCheckWriter.com - Powered by Zil Money offers a wide range of payment features to make your business transactions secure and flexible. Now you can pay and receive payments with the easy-to-use software and dive into the journey.
Check Printing
Create and print business checks at your office desk with a drag and drop design.
ACH
Pay or get paid one-time or recurring ACH/RTP with low transaction fees.
Integration
Integrate with the top third-party applications.
Pay Bill
Pay Bills Online, Schedule them, Manage suppliers, and reduce risk.
Payments by Credit Card
Now pay by credit card even if they don't accept them.
Wire Transfer
Transfer money electronically from one financial institution to other.
Deposit Slips
Instantly create & print the deposit slip of any Bank. Keep track & auto reconcile it.
Invoicing
Create invoice to your customer and send link through email.
Cloud Bank
Open an online checking account with no hidden charges.
Email Check
Send your checks as a one-time printable pdf with a tracking facility.
Payment Link
Create an HTML form or link to receive payments.
User/Approver
Give access to accountant or clients with a role based user and approval process.
Overnight Check Mailing
Overnight Check mailing without leaving your desk. We print and mail it by FedEx.
Digital Checks
Digitize your paper checks and make your payments via email or text.
Bank Data
Connect & reconcile, Categorize from Any Financial Institution automatically.
API/White Label
Interactive developer-friendly API. Complete white label solution.
Preserve Cash Flow
OnlineCheckWriter.com eliminates the stress of cash flow issues for small businesses. With the platform, you can pay vendors and suppliers using your funds or ours, ensuring you always have cash. Say goodbye to the struggle of paying bills before receiving payments from customers. OnlineCheckWriter.com provides instant access to funds, allowing you to pay invoices quickly and efficiently.
FREQUENTLY ASKED QUESTIONS
What to do if my vendor refuses to accept credit cards?
Don't worry; your vendor will not receive funds as payments by credit card but as checks or ACH. You can set up OnlineCheckWriter.com to process credit card payments for vendors who don't want credit card payments. You provide the platform with the payment information, which will cover the rest. The program can send payments electronically using ACH or by issuing a check.
Does my vendor/supplier have to pay any charge for receiving pay by credit card payments?
Importantly, no. We don't charge your vendor an additional fee because they accept payment by credit card. Instead, you pay a small 2.90% fee for each transaction – an industry-standard cost of doing business.
Can I really pay by credit card even if my vendors don't accept that?
Yes, you can! OnlineCheckWriter.com handles your credit card payment and then processes the vendor's payment by ACH or check. It means a vendor will be paid through the company, but you will get to pay by credit card, earning rewards and deferring payments to manage your cash flow better.
Pay By Credit Card With OnlineCheckWriter.com vs Pay By Credit Card Without OnlineCheckWriter.com
Payment via credit card with OnlineCheckWriter.com enhances your cash flow, makes time-sensitive payments, and earns rewards on your card while capturing early pay discounts from vendors.
Without OnlineCheckWriter.com, the payee suffers from high transaction costs and time-consuming account creation processes.
REVIEWS FROM ESTEEMED CUSTOMERS
Here are some precious reviews from our customers. We are pledged to make your life simple with all our features.
Frank Czar
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Travis Copeland
Frank Czar
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