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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.

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OnlineCheckWriter.com- Powered by Zil Money is a financial technology company, not a bank. OnlineCheckWriter.com offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

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Using Credit Cards to Save Money on Business Expenses

 

Cash Back Rewards

  • Earn Cash Back: Credit cards like the Capital One Spark Card offer 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back.
  • Offset Fees: Using a credit card with cash back can partially offset the 2.90% process fee, reducing the effective cost.

Tax Benefits

  • Tax-Deductible Fees: The 2.90% process fee can be filed as a tax-deductible business expense, offering some financial relief.
  • Additional Tax Breaks: Depending on the jurisdiction and tax codes, you may be eligible for additional tax breaks for using credit cards for business expenses.

Cash Flow Management

  • Cash Float Period: Credit cards often provide a 30 to 45-day payment window, allowing businesses to manage their cash flow better.
  • Utilize Funds: During this period, the funds can be invested in short-term opportunities or other revenue-generating activities.

Detailed Example: Capital One Spark Card

  • Process Fee: 2.90%
  • Cash Back: 2%
  • Tax Break: 0.06%
  • Final Fee: 0.35%
  • Additional Benefit: 30-45 days of cash flow management and float revenue.

Floating Revenue from Bank

  • Float Revenue - Cash Incentive Earnings: The funds in your bank account for 30 to 45 days could earn Cash incentive or be invested in short-term revenue-generating activities.
  • Capital Utilization: The cash float period allows you to strategically utilize your capital for other pressing needs or investment opportunities.
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Additional Resources

By combining these strategies, the actual cost of using a credit card to handle business expenses can be significantly reduced, while also providing the flexibility to manage cash flow more effectively.

Cost-Free Transactions

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.

Preserve Cash Flow

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.

As HR manager, I had to be very cautious in a disputing situation when the check hasn’t arrived and goes to the bank, digging through all my paperwork. The Check Book feature on OCW makes it easy for me to search! The logs are very helpful for me.
Online Check Writer has made my life easy. Now I can print all the checks on Blank Check Paper from numerous companies and export from my QuickBooks as well. I don’t have to keep track and change the pre-printed check papers.

Being a contractor I always have to give checks ahead in many situations and keep report and notes. Now it’s so easy to keep up. Same way making deposit slips on demand also very easy.

Frank Czar

Bimal Daftari

Travis Copeland

As HR manager, I had to be very cautious in a disputing situation when the check hasn’t arrived and goes to the bank, digging through all my paperwork. The Check Book feature on OCW makes it easy for me to search! The logs are very helpful for me.

Frank Czar

Online Check Writer has made my life easy. Now I can print all the checks on Blank Check Paper from numerous companies and export from my QuickBooks as well. I don’t have to keep track and change the pre-printed check papers.

Bimal Daftari

Being a contractor I always have to give checks ahead in many situations and keep report and notes. Now it’s so easy to keep up. Same way making deposit slips on demand also very easy.

Travis Copeland

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Disclaimer           Terms & Condition           Privacy Policy           Cookie Policy

Have More Questions?

Contact Us
ZIL MONEY CORP

Pricing

News

COMPANY

About Us

Press Kit

Press Release

Privacy Policy

Legal Info

Cookie Settings

Contact Us

PAYMENTS

ACH

International Payments

Payment Link

COMMUNITY

Blog

PARTNERS

Become a partner

Influencer Tie Up

Investment

Marketplace (Beta)

FEATURES

Pay By Card

Invoicing

API

INTEGRATIONS

QuickBooks

Xero

Zapier

Zoho Book

Zoho Payroll

Bill.com

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Copyright © ONLINE CHECK WRITER

Disclaimer           Terms & Condition           Privacy Policy           Cookie Policy

OnlineCheckWriter.com is a B2B payment platform that offers a cost-effective solution for businesses managing account payables and receivables.

OnlineCheckWriter.com (OnlineCheckWriter or OCW) and Zil.US are platforms for products and services provided by Zil Money Corporation. Zil Money is a financial technology company, not a bank. However, we provide banking services through our partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC – but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

Any mention of banking services is only related to our collaborations with financial institutions, and the user’s relationship with such institutions is subject to their terms and conditions.

Please be aware that by continuing with the application process for your OnlineCheckWriter.com account and utilizing our services, you are indicating that you acknowledge and consent to the terms outlined in the OnlineCheckWriter.com Terms of Service. Your use of our services signifies your agreement to our terms and our affiliated partners’ terms. This collaboration aims to accomplish our shared objectives through joint effort.