Online Check Writer

Why Small Businesses Struggle with International Payment Solutions in Winter—And How to Fix It

Mar 4, 2025 | International Payments

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 like Silicon Valley Bank and Texas National Bank.

The payment platform offers affordable international payment solutions to handle payroll, vendor and supplier transactions easily.

It’s the middle of winter, and small businesses in the U.S. are gearing up for its busiest season. Customers are placing orders, suppliers are waiting to be paid, and international sales are booming. But suddenly, the business hits a major roadblock—they can’t accept payments from overseas. Not because they don’t have customers abroad. Not because they aren’t ready to ship. But because their bank doesn’t support international wire transfers for small businesses.

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The Hidden Problem No One Talks About

While many traditional banks offer international wire transfer services to small businesses, these services come with challenges that can make them less accessible or practical for smaller enterprises. If a small business owner tries to send or receive money from another country, they’re often met with:

  • Account Restrictions – Some banks don’t allow wire transfers at all unless you have a corporate-level account.
  • Minimum Balance Requirements – Others require businesses to hold thousands of dollars in their account just to access international transfers.
  • Complex Approval Processes – Even if a bank allows it, the process is often slow, requiring unnecessary paperwork and lengthy verification.

For a small business trying to grow beyond U.S. borders, this is a major barrier. How can they expand if they can’t even get paid?

The Solution: International Wire Transfers with OnlineCheckWriter.com – Powered by Zil Money

That’s where OnlineCheckWriter.com – Powered by Zil Money comes in. Unlike traditional banks, it gives small businesses direct access to international wire transfers—without the restrictions, minimum balances, or paperwork headaches.

  • No Bank Limitations – Send and receive international wire transfers without a corporate account. Users can open fee-free online checking accounts and transfer money internationally without extra procedures.
  • No Hidden Fees – Transparent pricing with no surprise charges—no maintenance fees, minimum balance requirements or initial deposits.
  • Fast Processing – Wires are processed quickly, keeping your cash flow steady. The platform’s international wire transfer settles on the same day without any lengthy processes.
  • Global Access – Pay and get paid from anywhere, making international expansion seamless.

Why Winter Is a Crucial Time for International Payments

Winter is a peak season for many small businesses. Whether it’s holiday sales or increased supplier orders, cash flow is everything. Delays in payments—especially international ones—can mean:

  • Orders that can’t be fulfilled.
  • Late payroll for employees.
  • Missed business opportunities.

With OnlineCheckWriter.com – Powered by Zil Money, businesses don’t have to worry about these issues. They can send, receive, and track international payments instantly, keeping their operations running smoothly even in the busiest season.

Beyond Wire Transfers: Paying Bills & Payroll Internationally

International payments don’t just affect sales—they impact every part of running a business. What happens when:

  • A supplier in another country needs to be paid immediately?
  • Payroll has to be sent to remote employees working abroad?
  • Business expenses need to be covered while traveling internationally?

Solutions:

  • Pay Bills with Checks – Even internationally, checks can be printed and mailed from anywhere. Users can create checks from a laptop or mobile phone with an internet connection and print checks via a regular printer on blank check papers.
  • Process Payroll via Check or Wire Transfer – Pay employees no matter where they are. The platform allows you to integrate your payroll software and make payments easy. Users can earn rewards and discounts and payees do not want to pay any fees!
  • Manage Cash Flow While Traveling – Owners can send payments from anywhere, even if they’re out of the country. Easily sign in to the platform and start making payments.

How One Small Business Owner Used This Solution While Traveling

Imagine a small business owner who travels to Europe for a trade show.

They meet a supplier offering a great deal, but they need to send a deposit immediately to lock in the price.

Traditional bank transfers? Not an option—they take too long, and the fees eat into the deal.

Credit card payment? Not accepted—the supplier only takes wire transfers.

The owner can log into their OnlineCheckWriter.com – Powered by Zil Money’s account from their phone, initiate an international wire transfer within minutes, and secure the deal—all without needing to be in the U.S.

Is It Time to Rethink Your International Payment Strategy?

For years, small businesses have been forced to work around outdated banking systems that weren’t built for them. But now, they have options. The question is—should they keep struggling with traditional banking limitations or switch to a modern solution designed for their needs?

Winter is a season of growth and opportunity. Businesses that adapt to better payment solutions will now thrive in the global market. Is your business ready?

Get in Touch

(408) 775-7720

Make a call directly to our customer support team to get assistance instantly.

support@onlinecheckwriter.com

Email us to resolve any queries you have about OnlineCheckWriter.com.

111 N Market St, San Jose, CA 95113

PO Box 6543, Tyler TX 75711

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