Payment by Credit Card – Pay Any Vendor, Even If They Don’t Accept Cards
Pay your vendors, suppliers, landlords, and contractors using your business credit card – regardless of how they prefer to get paid. OnlineCheckWriter.com charges your credit card and delivers payment to your vendor by check, ACH, or wire transfer. Your vendor receives funds the way they always have. You get rewards, float, and full control.
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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80%
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How Does Payment By Credit Card Work?
Most vendors don’t accept credit cards. But that doesn’t mean you can’t use yours to pay them. Here’s how OnlineCheckWriter.com bridges the gap:
Add Your Business Credit Card
Connect any major Visa, Mastercard, or American Express business credit card to your account.
Enter Your Vendor's Payment Details
Add their check, ACH, or wire info – or pull from your existing vendor list.
Authorize the Payment
OnlineCheckWriter.com charges your credit card and immediately processes the outgoing payment to your vendor.
Your Vendor Gets Paid Their Way
They receive a paper check, ACH , or wire – whatever they prefer. They never know you paid by card. They never need to sign up for anything.
That’s it. You earn rewards on your card. Your vendor gets paid normally. Your cash stays in your account for up to 30-45 more days.
Why Use a Credit Card for Business Payments?
Earn Rewards on Every Dollar You Spend
Business credit cards turn your regular vendor payments into points, miles, or cash back. At scale, this adds up fast. Every dollar you spend on vendor payments through your rewards card becomes a dollar working double duty – paying your bills and building your rewards balance simultaneously.
Keep Cash in Your Account Longer
Credit cards give you a 30-45 day payment window before your statement is due. That means when you pay a vendor today, the actual cash doesn’t leave your bank for over a month. This float is especially valuable for businesses managing tight cash flow, seasonal revenue, or rapid growth.
Pay Vendors Who Don't Accept Cards
This is the core problem OnlineCheckWriter.com solves. The majority of B2B vendors – contractors, suppliers, landlords, law firms, utilities – don’t take credit cards. With our platform, you can pay any of them by card while they receive payment via ACH or check, exactly as they expect.
Deduct Processing Fees as a Business Expense
The processing fee charged per transaction is generally deductible as a business expense. Consult your tax advisor to confirm eligibility based on your jurisdiction and business structure.
Credit Card Fraud Protection
Credit card payments carry dispute rights and fraud protections that ACH and check payments often lack. If something goes wrong, you have recourse through your card issuer – an advantage that wire transfers and paper checks simply don’t offer.
Full Payment Control
Choose exactly how each vendor gets paid – check, ACH, or wire. Schedule payments, set approval workflows, manage bulk payments, and track everything in one dashboard. You’re always in control of how and when money moves.
What Payments Can You Make By Credit Card?
With OnlineCheckWriter.com, you can pay virtually any business expense by credit card:
Vendor and Supplier Invoices
Pay net-30 or net-60 invoices with your card and extend your payment timeline even further
Rent and Lease Payments
Pay your commercial landlord by card even if they only accept checks
Contractor and Freelancer Payments
Run card-funded payments to 1099 contractors
Utility Bills
Electricity, water, internet, and other recurring bills
Tax Payments
Pay estimated quarterly taxes or business tax bills
Payroll by Credit Card
Fund payroll runs via your credit card when cash flow is tight
Bulk and Mass Payments
Pay hundreds of vendors simultaneously via credit card
If it’s a legitimate business expense, you can pay it by credit card through OnlineCheckWriter.com.
Who Uses Payment By Credit Card?
From solo operators to enterprise finance teams, here’s who benefits most.
Small Business Owners
Who want to stretch cash flow without taking on debt or lines of credit.
Accountants and Bookkeepers
Managing AP for multiple clients who want to consolidate payments and earn card rewards across accounts.
Real Estate Businesses
Paying landlords, contractors, and property managers who don’t accept cards.
Law Firms & Professional Services
With large vendor invoices who want to capture rewards on high-volume annual spending.
Nonprofits
Using credit card float to manage grant timing and operating expenses.
HR and Payroll Managers
Who need to fund payroll runs by card during cash-tight periods.
FREQUENTLY ASKED QUESTIONS
What is payment by credit card for business vendors?
Payment by credit card for vendors means using your business credit card to fund a payment to a vendor who may or may not accept credit cards directly. OnlineCheckWriter.com acts as the intermediary - we charge your card, then pay your vendor via ACH, check, or wire. This lets businesses earn card rewards and extend cash flow on payments that would otherwise require a bank transfer or paper check.
Can I pay a vendor by credit card if they don't accept card payments?
Yes. OnlineCheckWriter.com was built specifically for this scenario. You pay by credit card on our platform, and we send your vendor a check, ACH payment, or wire in the amount you specify. Your vendor doesn't need to change anything about how they receive payment.
Does my vendor pay any fees?
No. Your vendor receives their payment for the full invoice amount with no deductions. The processing fee is charged to you, the payer - not your vendor.
Which credit cards work with OnlineCheckWriter.com?
All major Visa, Mastercard, and American Express business and personal credit cards are accepted. Prepaid cards and gift cards are not supported.
How long does it take for my vendor to receive payment?
ACH payments typically arrive within 1–3 business days. Paper checks via USPS arrive within 3-5 business days. Overnight check mailing via FedEx delivers next business day. Wire transfers are processed same-day in most cases.
Can I pay payroll by credit card?
Yes. OnlineCheckWriter.com offers payroll by credit card - you can fund payroll runs via your business credit card and have employee payments sent via ACH, RTP, Wire.
Is payment by credit card secure?
Yes. OnlineCheckWriter.com is SOC2, SOC1, PCI-DSS, and ISO 27001 certified. Credit card payments also carry consumer protection rights through your card issuer, giving you an additional layer of dispute protection.
How is OnlineCheckWriter.com different from paying by credit card directly?
When you pay a vendor directly by credit card, they must accept cards and typically pass the processing fee to you or build it into their pricing. With OnlineCheckWriter.com, your vendor receives payment via check or ACH - their preferred method - while you get the rewards and float of paying by card. There's no requirement for your vendor to have a card terminal or merchant account.
Start Making Payments By Credit Card Today
Join over one million businesses using OnlineCheckWriter.com to pay vendors, suppliers, and contractors by credit card – without needing their permission. No setup fees. No long-term contract required. Your first payment can go out today.
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