Virtual Card

Instant Virtual Cards

Issue and manage virtual cards online instantly. No physical card required. Activate within seconds and make secure payments anywhere Visa is accepted.

Complete Control

Restrict usage and set spending caps for total control over transactions. Monitor and adjust card limits as needed to stay within budget.

One Card, Multiple Uses

Use virtual cards for different types of transactions, from online shopping to paying for subscriptions, making them a versatile and convenient payment option.

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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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TRUSTED BY MILLION PLUS USERS

Transform Your Transactions with Virtual Power

Virtual cards offer all the advantages of traditional cards, but without the need for a physical card. Instantly accessible on your mobile device or smartwatch, they provide a convenient way to make payments anywhere. You can easily shop online or at any merchants that accept virtual Visa cards, with the added benefit of contactless payments.

Transform Your Transactions with Virtual Power

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.

A Woman Holding a Phone with a Virtual Card and Physical Card Card and Graphs

Master Your Business Expenses with Precision

Issue multiple virtual payment cards, all consolidated under one central account. Distribute these cards to your employees with fully customizable spending restrictions, giving your company complete control over its budget. Optimize operational spending, improve financial transparency, and enhance overall control across your organization.

Easy To Access

Instant access to your account anywhere, anytime.

High Security

Secured with Encryption, Fraud Detection, and Infrastructure.

Easy Payment

Efficiently transfer funds to where they're needed.

Set Usage Boundaries for Your Virtual Card

With custom card restrictions, you can limit your virtual card to certain locations, vendors, or set time-based limits. Keep the card usage secure by defining where and when it can be used. Or, leave it open for global access if needed. Gain full control over your card’s usage with tailored restrictions.

A Smartphone with a Virtual Card and Coins Flying Around It

MULTIPLE FEATURES, ONE PLATFORM

    

CONNECT ANY BANK, PREVENT FORGERIES

    

OPEN A MODERN CHECKING ACCOUNT WITH ZIL US

    

A Woman Standing Next to a Virtual Card

Secure Your Financial Transactions Instantly

Designed to eliminate the risk of fraud, virtual cards provide a robust defense for your finances. Unauthorized charges are less likely as virtual cards can be designated for specific transactions or short lifespans. In the event of a security breach, these cards can be promptly deactivated to prevent any further unauthorized activity.

FREQUENTLY ASKED QUESTIONS

How to use virtual card?

To use virtual cards, you simply log in to OnlineCheckWriter.com - Powered by Zil Money and create virtual cards easily. Virtual cards are especially helpful for online buying since they provide more security and anonymity. Create and manage virtual cards effortlessly with OnlineCheckWriter.com - Powered by Zil Money.

How to create virtual card?

You can easily create and organize multiple virtual cards using OnlineCheckWriter.com - Powered by Zil Money. Virtual cards from the cloud-based platform offer a secure way to shop online without exposing the main account to potential risks.

Can you use virtual card in store?

Virtual cards from OnlineCheckWriter.com - Powered by Zil Money can be used in store. You can easily link your cards with mobile wallets and enjoy the convenience of contactless payments.

Virtual Card vs Physical Cards

Virtual cards are great for online expenditure management, but real cards are convenient for daily use. You can easily create and manage virtual cards from OnlineCheckWriter.com - Powered by Zil Money.

Online Check Writer - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $5/Month

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