Pay Your Vendors the Smart Way – Fast, Flexible, and Hassle-Free
Stop wasting time on manual checks and slow payments. Send vendor payments in seconds using ACH, wire transfer, eChecks, credit card, or physical checks – all from one powerful platform.
Whether you pay 5 vendors or 500, OnlineCheckWriter.com gives you complete control over how, when, and where you send business payments. No more bank trips. No more delays. Just simple, secure payments that work for you.
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.
$1M+
Business Accounts
16M+
$91B+
Transaction Volume
80%
Check Cost Savings
Why Vendor Payments Are Still a Headache for Most Businesses
Running a business means juggling dozens of vendor relationships. But if you’re still managing payments the old way, you know exactly how frustrating it can be:
Late Payments Hurt Your Reputation
When payments arrive late, vendors notice. Delayed checks damage relationships, create trust issues, and can even cost you better pricing or priority service.
Manual Check Writing Wastes Hours Every Week
Writing checks by hand, stuffing envelopes, and making trips to the post office eats up valuable time you could spend growing your business.
Limited Payment Options Create Bottlenecks
Your vendors don’t all accept the same payment methods. Some want ACH. Others prefer checks. A few demand wire transfers. If you can’t offer flexibility, you’re stuck playing middleman.
Tracking Payments Across Spreadsheets Is a Nightmare
When payment records live in random files, email threads, and handwritten notes, mistakes happen. Duplicate payments, missed invoices, and accounting chaos follow.
Security Risks From Lost or Stolen Checks
Paper checks in the mail can get lost, stolen, or altered. That puts your money at risk and creates fraud vulnerabilities you can’t afford to ignore.
The bottom line? Managing vendor payments shouldn’t feel like a full-time job. But for too many businesses, it does.
Here’s How OnlineCheckWriter.com Solves Your Vendor Payment Problems
OnlineCheckWriter.com – powered by Zil Money is the all-in-one payment platform built for businesses that need speed, flexibility, and total control.
Pay Vendors Using Multiple Payment Methods
Stop limiting yourself to one payment type. With OnlineCheckWriter.com, you can pay any vendor using:
- ACH Transfers – Low-cost electronic payments that arrive in 1-3 business days
- Wire Transfers – Same-day payments for urgent vendor needs
- eChecks – Digital checks sent via email with instant notification
- Printed Checks – Print professional checks on blank stock paper from any printer
- Mailed Checks – We print and mail checks via USPS or FedEx
No matter how your vendor prefers to get paid, we’ve got you covered.
Pay Vendors with Credit Card – Even If They Don't Accept Cards
Here’s a game-changer: You can now pay any vendor using your credit card, even if they only accept ACH or checks. Learn more about credit card payments.
Why this matters:
- Earn cashback and rewards on every vendor payment
- Extend your cash flow by using your credit card payment cycle
- Pay on time without draining your bank account immediately
- Track all expenses in one place for better accounting
It’s like getting free money while keeping your vendors happy.
Run Payroll with Credit Card and Earn Rewards
Did you know you can pay payroll using your credit card and earn cashback on every employee payment? This unique feature lets you:
- Pay employees via direct deposit, check, or eCheck using your credit card
- Earn 2-3% rewards on your entire payroll
- Manage cash flow better (30-45 day credit card cycle)
- Never miss payroll even during tight cash flow periods
Print Your Own Checks Instantly
Forget expensive pre-printed checks and waiting weeks for bank orders. With our check printing solution, you can:
- Print checks on blank check stock paper using any standard printer
- Save over 80% compared to pre-printed checks (blank stock costs just 3-5 cents per sheet)
- Design custom checks with your company logo and branding
- Print on-demand whenever you need them
No waiting. No minimums. No hassle.
Automate Recurring Vendor Payments
If you pay the same vendors every month, automation is your best friend. Set up recurring payments once, and OnlineCheckWriter.com handles the rest.
Benefits:
- Never miss another payment deadline
- Reduce manual data entry errors
- Free up hours of admin time every week
- Keep vendors happy with consistent, on-time payments
Mail Checks Without Leaving Your Desk
Need to send a physical check but don’t want the hassle? Our check mailing service does it all for you:
- You create the check in OnlineCheckWriter.com
- We print it on secure check stock
- We stuff, stamp, and mail it via USPS or FedEx
- Your vendor receives a trackable, professional check
Need it fast? Use our overnight check mailing service for urgent vendor payments.
Process Bulk/Mass Vendor Payments
Pay multiple vendors at once with our bulk payment feature. Perfect for:
- End-of-month vendor payment processing
- Paying contractors across multiple projects
- Processing commission payments
- Handling supplier invoices in batches
Upload a CSV file or import from your accounting software, review, and send all payments with one click.
Track Every Payment in One Central Dashboard
Stop digging through folders and spreadsheets to find payment records. OnlineCheckWriter.com gives you a complete payment history with:
- Real-time payment status tracking
- Downloadable reports for accounting and tax purposes
- Integration with QuickBooks, Xero, Zoho Books, and more
- Automatic bank reconciliation to save time during month-end close
Everything you need is organized, searchable, and accessible 24/7.
Import Vendors from Other Apps (No Manual Data Entry)
Already have vendor details stored in QuickBooks, Excel, or another accounting platform? Great. You can import them directly into OnlineCheckWriter.com.
No retyping. No copy-pasting. Just one-click imports that save you hours.
Connect via Zapier to sync with 5,000+ apps automatically.
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.
Your Money and Data Are Protected by Industry-Leading Security
We know vendor payments involve sensitive financial information. That’s why OnlineCheckWriter.com uses bank-level security to protect every transaction.
256-Bit Encryption
Military-grade encryption protects all your financial data
Secure Cloud Storage
Automatic backups with secure cloud storage
256-Bit Encryption
Military-grade encryption protects all your financial data
Two-Factor Authentication
2FA adds an extra layer of account protection
Role-Based Access
Control who can access and approve payments with user access controls
Works Seamlessly with Your Existing Accounting Software
OnlineCheckWriter.com integrates with the tools you already use, so you don’t have to change your workflow. We’re a QuickBooks Silver Tier Partner with official certification.
QuickBooks
Online & Desktop integration with Silver Tier Partner status for seamless syncing
Xero
Automatic payment sync and reconciliation
Zoho Books
Import vendors and invoices instantly
Zapier
Connect to 5,000+ apps automatically
Bill.com
Sync vendor bills and payments
Sage
Business Cloud Accounting integration
FreshBooks
Connect your accounting in seconds
Wave
Free accounting software integration
Sync your vendor lists, invoices, and payment data automatically. No manual transfers. No duplicate data entry. View all integrations →
FREQUENTLY ASKED QUESTIONS
Can I pay vendors who don't accept credit cards?
Yes. OnlineCheckWriter.com processes your credit card payment and delivers funds to vendors in their preferred format (ACH, wire, or check). Your vendor pays zero fees - you pay a 2.90% processing fee.
How does credit card to ACH conversion work?
You pay with your credit card on our platform. We process it and convert the payment to ACH transfer, or physical check based on your vendor's preference. This way you earn credit card rewards even when paying vendors who don't accept cards.
Can I run payroll using a credit card?
Yes! Our unique payroll by credit card feature lets you pay employees via direct deposit, check, or eCheck while earning 2-3% cashback on your entire payroll. This can add up to thousands in rewards annually.
How much does check mailing cost?
We offer affordable check mailing via USPS and FedEx. Standard delivery and overnight options are available. We print, stuff, stamp, and mail the check for you with full tracking.
Can I print checks on regular paper?
No, you need blank check stock paper for security and bank compliance. But it costs only 3-5 cents per sheet – over 80% cheaper than pre-printed checks ($0.35-$0.55 each).
Does OnlineCheckWriter.com integrate with QuickBooks?
Yes. We're a QuickBooks Silver Tier Partner with official integration for both QuickBooks Online and QuickBooks Desktop. We also integrate with Xero, Zoho Books, FreshBooks, Bill.com, and many other platforms.
Is my financial data secure?
Absolutely. We use bank-level 256-bit encryption and are certified with SOC 2, PCI DSS, ISO 27001, HIPAA, CCPA, and NIST 800-53. We also offer Positive Pay fraud protection and two-factor authentication.
Can I schedule recurring vendor payments?
Yes. Set up automated recurring payments to pay the same vendors on a fixed schedule (weekly, monthly, quarterly, etc.). Never miss a payment deadline again.
What payment methods are supported?
ACH transfers, wire transfers (domestic & international), eChecks, printed checks, mailed checks (USPS & FedEx), overnight delivery, credit card payments, virtual cards, and bulk/mass payments.
Can I pay multiple vendors at once?
Yes. Our bulk payment feature lets you pay dozens or hundreds of vendors simultaneously. Upload a CSV file or import directly from your accounting software, review, and send all payments with one click.
Start Paying Vendors Smarter Today
Stop wasting time on outdated payment methods. Join over 1 million businesses that trust OnlineCheckWriter.com to handle their vendor payments.
Real Stories, Real Results
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Karla C.
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"overall it was a good experience, loved the mobile app, came in handy when on the move out of the office"
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