Online Check Writer 2026: Benefits, Features & Pricing

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On this page

Overview
Pricing and Plans
Features
Integrations
User Reviews

Overview

Online Check Writer

4.5

(255)

Pricing

Starting at $30.00 per month

About Online Check Writer

OnlineCheckWriter.com – Powered by Zil Money is a check printing software and B2B payment platform offering over 30 business payment tools. Businesses can easily pay vendors, process payroll, and receive payments on time. The platform supports multiple payment methods, including printable checks, eChecks, ACH, wire transfers, international payments, and credit cards—even enabling payments by credit card to vendors who don’t accept them directly.

Beyond payment processing, the platform offers virtual cards, a digital wallet, and advanced security features like Positive Pay. OnlineCheckWriter.com – Powered by Zil Money integrates seamlessly with popular accounting solutions such as QuickBooks (as a QuickBooks Silver Tier Partner), Xero, and Zoho Books to streamline financial operations. Accessible via both web and mobile apps, it allows businesses to manage payments anytime, anywhere. With over 16 million checks processed and $91 billion in transactions, OnlineCheckWriter.com is trusted by more than 1 million businesses worldwide.

Online Check Writer Screenshots

Online Check Writer Pricing and Plans

Starting price: $30.00 per month

Free Trial

Free Version

Pay As You Go

$30.00

flat rate, per month

Plan includes:

Bank Account
User
ACH/Direct Deposit
Domestic & International Wire
Cloud Bank & Fund Transfers
Custom Physical & Virtual Cards
Check
Bill & Invoice
Receive Payment
Payment Link

Enterprise

Pricing available upon request

Plan includes:

Third Party Integration
Access to Addons
Txn Fee Only After Free Credits

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Online Check Writer Features

Popular features found in Accounts Payable
ACH Payment Processing
Audit Trail
Compliance Management
Document Management
Duplicate Payment Alert
ERP integration
Expense Tracking
Mobile Access
Multi-Currency
Process/Workflow Automation
More features of Online Check Writer
Accounting
Accounting Integration
Accounts Payable
Accounts Receivable
Approval Process Control
Billing & Invoicing
Check Writing
Credit Card Processing
Customer Statements
Data Security
Debit/Credit Card Processing
Digital Wallet Payments
Financial Management
Invoice Creation
Invoice History
Invoice Processing
Mobile Payments
Online Banking
Online Invoicing
Online Payments
Payment Gateway Integration
Payment Links
Payment Processing
Payroll Management
Projections
Receivables Ledger
Recurring/Subscription Billing
Reporting/Analytics
Self Service Portal
Third-Party Integrations
Transaction Monitoring
Vendor Management

Online Check Writer Integrations

QuickBooks Online

Integration rated 4.4 from 21 reviews

Gusto

BitPay

Zapier

Zoho Writer

Zoho Payroll

See all 17 integrations

Online Check Writer User Reviews

Overall Rating

4.5

Ratings Breakdown

67%

25%

Secondary Ratings

Ease of Use

4.4

Value for money

4.4

Customer support

4.4

Functionality

4.5

Matthew M.

Verified reviewer

Computer & Network Security

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed August 2022

Sometimes you can judge a book by its cover

OCW has met all my payroll and check printing needs.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Online Check Writer, or simply OCW, is a web-based platform that has expanded from its orignal purpose of creating and printing checks. Users will find that the platform still excels in its original function, and should not be faced with too steep of a learning curve when they start out with the easy-to-use web platform. OCW has continued to develop and improve the check printing features, placing them first-in-class for check printing, while maintaining reasonable fees. Today's OCW offers far more than simply check printing. They have vastly expanded their offerings to include integration with all popular accounting software, added a powerful payroll management feature, and even integrated business banking accounts, payment processing, and ACH features such as direct deposit. While the customer service can be difficult to reach and often subpar in the assistance offered, users who have some accounting familiarity or those with time enough to employ self-help features, will find the services offered to be unparalleled at the price offered. OCW is a true contender in a banking and accounting all-in-one solution for small businesses.

Cons:

The customer service is minimally responsive and does not follow-through.

Vendor Response

Hi Matthew, Thank you very much for this comprehensive review. As you have noted, we have been laser-focused on platform development, and now users have a very advanced platform capable of handling all their finance-related needs. We promise to bring that quality focus to all aspects of our business, including customer service.

Replied August 2022

Joan C.

Verified reviewer

Financial Services

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed April 2025

Check Writer is a MUST!

My overall experience using Check Writer has been great. From the start, being able to edit and personalize checks is a great feature. This is great for making checks look very professional. The cost is also very affordable considering other services charge hundreds of dollars for the same end product.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I enjoy the ease of use with the Online Check Writer. Being able to print checks for multiple accounts makes this task as efficient as possible for my business.

Cons:

Esthetically, the website is on the simple side. I don't mind the look since the overall service is great.

Reasons for switching to Online Check Writer

Quickbooks has an online service that ended up being very costly.

Vendor Response

Thank you for sharing your experience! We’re thrilled to hear that the ease of use and the ability to print checks for multiple accounts have made your business tasks more efficient. It’s great to know that the check editing and personalization features have helped your checks look professional while keeping costs affordable. We also appreciate your feedback on the website design and are glad it hasn’t impacted your overall experience. Your insights mean a lot and will help us improve our service!

Replied October 2025

Mike C.

Verified reviewer

Transportation/ Trucking/ Railroad

2-10 employees

Used weekly for less than 2 years

Review source

Reviewed February 2024

Software does not completely work

I have used them for the last few years to print off checks. This past year I used them to not only print off checks but also to help me interact better with the Quickbooks so it will accurately record information. OCW does not interact like it should with quickbooks. Also I spent the entire year paying out thinking that the 1099s could be printed accurately with the software. When I went to print them off the date said 2024 which was wrong, there was no tax ID number on the forms, and the amounts were not accurate. This caused and is still causing a huge problem which in turn caused us to be late on filing our 1099s. I cannot recommend this company due to the fact they are not ready for this type of work. I hope they will fix our issues and compensate us for the loss and damages caused by their software.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Does allow you to print checks. But to be honest the is all the pros. It doesn't keep good accurate records

Cons:

Reporting is not accurate 1099s are not accurate. The amount on the 1099s do not match the dates of payments. Does not interact with quickbooks accurately. Mailing out physical checks from their system half the time does not reach the destination.

Reasons for choosing Online Check Writer

It looked like it was going to be an easier more user friendly but I was completely wrong.

Reasons for switching to Online Check Writer

It looked like a much easier platform for paying our team

Vendor Response

We're sorry for the trouble you've experienced. We aim to ensure accuracy and are here to help rectify these issues. please call us at (408) 775-7720; we will be happy to guide you through each step.

Replied February 2024

Elvis C.

Verified reviewer

Entertainment

Self-Employed

Used monthly for less than 2 years

Reviewed September 2025

Trustworthy but missing features

Overall, good experience and trustworthy company. Checks and payments are easily processed and handled although some banking issues when it came to verifying business.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I like the ease of use and how straightforward and quick everything was. There wasn’t much to navigate or to figure out.

Cons:

Some verification issues that to go out to sort out along with a lot of of the actual services being either unavailable due to maintenance or coming soon

Reasons for switching to Online Check Writer

Features and ease of use. Online check writer was easier and quicker going to get up and running

Vendor Response

Thank you for your feedback! We're glad that you found the platform easy to use and efficient for processing checks and payments. We appreciate your patience with verification and service availability, and we’re continuously working to improve these areas.

Replied October 2025

John F.

Verified reviewer

Arts and Crafts

11-50 employees

Used daily for more than 2 years

Review source

Reviewed August 2022

Will be dropping the software with the increased pricing and new charge per check printed

Overall positive for the 2+ years I used it, but with the increased cost, I no longer see it as worth the cost.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Easy to use, good check layout software. Overall, have had a positive experience with the software.

Cons:

Customer support is limited, price hike has me looking into other options

Reasons for choosing Online Check Writer

Can not print signatures on checks on QB Online Advanced

Vendor Response

Hi John, Thank you for the review. We have subscription packages with 100% cost refilled as usable credits plus transaction charges reduced by 81%. We also offer custom plans to high-volume users. Please call us, and we can provide a custom plan for you. We now offer a complete payment platform in a single plan, including the ability to pay anywhere with a credit card even if the vendor/merchant doesn't accept credit cards. We encourage you to please explore all our facilities and subscription plans; you will understand we are providing a robust value-for-money platform

Replied August 2022

Bridgette K.

Verified reviewer

Retail

2-10 employees

Used weekly for less than 12 months

Reviewed September 2025

A service you can bank on!

My overall experience was good and i would recommend it to anyone. This service is affordable and worth the time and money.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

the service was user friendly with virtually no learning curve. The payment processing feature was easy to implement. I did not experience any bugs or issues. The money transfer process was swift.

Cons:

There were no cons. Customer service was helpful via email and chat if I ever had any questions on the setup process.

Vendor Response

Thank you so much, Bridgette, for your wonderful feedback! We’re thrilled to hear that you found OnlineCheckWriter.com – Powered by Zil Money easy to use and that the payment processing and money transfer features worked smoothly for you. It’s also great to know that our customer support team was able to assist you whenever needed. Your recommendation means a lot to us, and we’re glad that the service has been both affordable and valuable for your business. We look forward to continuing to support your success!

Replied October 2025

Zakir Z.

Verified reviewer

Marketing and Advertising

2-10 employees

Used weekly for less than 6 months

Reviewed September 2025

Reliable Solution for Easy International Payments

As an Indian business owner with a registered LLC in the USA, most of my clients are based in the United States. Online Check Writer has made it very easy for me to accept payments and manage transactions without any issues. The payment process is smooth, secure, and reliable. It has helped me save time and focus more on growing my digital marketing business.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

It makes receiving international payments very simple. I can link my Payoneer account and get funds transferred directly into my local bank. The virtual card also works on most platforms for ads, tools, and subscriptions, which is very convenient for my business.

Cons:

The interface felt a little overwhelming at first with so many options, but once I got used to it, everything worked smoothly.

Vendor Response

Thank you for your valuable feedback. We’re glad to hear that OnlineCheckWriter - powered by Zil Money makes international payments simple and reliable for your business. We appreciate your note about the interface and are continually improving the experience. It’s great to know our platform helps you save time and focus on growing your business.

Replied December 2025

Verified

Reviewer

Information Technology and Services

2-10 employees

Used daily for less than 12 months

Review source

Reviewed January 2025

Online Check Writer Review

overall it was a good experience, loved the mobile app, came in handy when on the move out of the office

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Easy way to pay suppliers is far better than handwriting and delivering checks. I love that checks can be emailed

Cons:

It is a little pricey if you are making multiple payments

Vendor Response

Great to hear OnlineCheckWriter.com- Powered by Zil Money makes paying suppliers easier, especially with emailed checks and the mobile app. We appreciate your feedback and are here if you need support!

Replied February 2025

carolyn b.

Verified reviewer

Broadcast Media

Self-Employed

Used daily for less than 2 years

Review source

Reviewed April 2025

Online check writer

I think the app is very detailed and easy to use

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I like the fact that I can pay my employee through payroll account

Cons:

I didn’t like the fact that I had to subscribe before using the app

Vendor Response

Thank you for sharing your experience! We’re glad to hear that managing employee payments through the payroll account has been smooth, and that the app’s detailed features make it easy to use. We appreciate your feedback regarding the subscription requirement and will keep it in mind as we work to improve the onboarding experience.

Replied October 2025

marisela m.

Verified reviewer

Transportation/ Trucking/ Railroad

2-10 employees

Used weekly for less than 6 months

Reviewed September 2025

Easy And Good App

overall its ok. Again like I stated I just don't like that I cant send ACH instead of emailing checks.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

how easy it is to make payroll checks and send it since I work from home. and sending in the mail takes couple days

Cons:

don't like how I cant use ACH as my first method without being verified. My ID was stolen so I have to wait 2 weeks to get a new one

Vendor Response

Thank you for sharing your experience! We’re glad to hear that creating and sending payroll checks from home has been easy for you, and we appreciate your feedback on the mailing process. We understand your concern about ACH verification, especially with your ID situation. These security measures are in place to protect your account, but we also know that waiting can be frustrating. Your input is valuable, and we’re always working to improve the payment process.

Replied October 2025

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