Virtual Card

Control Your Spending. Unleash Your Team

Empower your employees, contractors, and vendors with virtual cards that give you total control. 

Visa Virtual Cards deliver the speed of corporate spending with powerful, proactive limits. Issue cards in seconds, set custom rules, and monitor every transaction in real-time. 

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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

Key Features Designed for Your Business

Instant & Flexible Cards: Issue virtual cards instantly for employees, contractors, or online subscriptions. Need a physical card? We’ll ship it to you.

Proactive Spending Limits: Set budgets, time, location, and per-transaction limits before a card is ever used. Control spending proactively, not reactively.

Advanced Security: With unique card numbers per vendor and instant freeze/replace functionality, you can reduce fraud and protect your business.

Digital Wallet Integration: Push cards to Apple Pay or Google Pay for secure, contactless payments and extra protection from biometric authentication.

Automated Receipts & Reports: Employees get instant alerts to upload receipts. Our AI organizes and itemizes transactions, making expense reports simple and accurate.

Real-time Visibility: Track every purchase as it happens. Get instant alerts and generate detailed reports to maintain compliance and control at all times.

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

Use Cases: The Power of Control

Contractor Payments: Give a contractor a card that only works at a specific store, with a set spending limit and time-of-day restrictions.

Subscription Management: Assign a unique card to each software service (like AWS) with an auto-expiring date and a maximum monthly charge.

Employee Perks: Issue a reloadable card for employee lunches with a daily limit.

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.

How It Works

  1. Fund: Connect your bank and fund your digital wallet.
  2. Create: Issue a card, assign it to a user, and set your spending rules.
  3. Track: Monitor all spending in real-time and export data to your accounting system.
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

Ready to Modernize Your Spending?

Stop managing expenses the old way. Start controlling them the smart way.

Sign up now or request a demo to see it in action.

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