# Compare Square Payments vs Online Check Writer 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Square Payments and Online Check Writer based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/170278-237205/Square-Payments-Processing-vs-Online-Check-Writer

---

# Square Payments vs Online Check Writer Features and Cost Comparison

Last updated March 23rd, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

Square PaymentsOnline Check Writer2/4 selected

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.5 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

[## Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [2,670 reviews](#user-reviews)

Positive

2,518

Neutral

97

Negative

55

[## Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.5 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

Starting Price

$30.00/month

Value-for-Money

4.4

Functionality

4.5

Ease of Use

4.4

Customer Service

4.4

Reviews Sentiment

Based on [255 reviews](#user-reviews)

Positive

233

Neutral

11

Negative

11

## Summary

* * *

Key features rated by users

Features selected based on 22,638 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

78%Fit

Missing features

Feature ratings

Data Security

4.7

Online Payments

4.6

Payment Fraud Prevention

4.6

Expense Tracking

NA

Debit/Credit Card Processing

4.7

60%Fit

Missing features

Not enough reviews

Feature ratings

Data Security

4.2

Online Payments

\--

Payment Fraud Prevention

NA

Expense Tracking

4.5

Debit/Credit Card Processing

3.7

User satisfaction

User satisfaction

4.7

User reviews[2,670](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Ease of use

4.7

Functionality

4.6

Value for money

4.5

Customer support

4.4

User satisfaction

4.5

User reviews[255](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

Ease of use

4.4

Functionality

4.5

Value for money

4.4

Customer support

4.4

Price starts from

Price starts from

\--

-   Free version
-   Free trial

Price starts from

$30Flat Rate, Per Month

-   Free version
-   Free trial

Best for

Best for

Square Payments is used by restaurants, retail stores, beauty salons, service providers, food trucks, contractors, nonprofits, and franchises.

Best for

Online Check Writer is used by government agencies, utilities, medical practices, legal services, hospitals, schools, call centers, insurers, transit operators, nonprofits, and retailers.

## User reviews

Pros & cons

CB

Crysta B.

Sales

> "Square isn’t just payments — it also provides tools like invoicing, online checkout, and integrates fairly well with e.g. ecommerce or..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7051836)

MW

Marissa W.

Licensed Massage Therapist

> "I’m not the biggest fan of the customer service, granted I’ve only ever had to call for an issue a couple times over the 5+ years using this..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7063007)

ER

Erika R.

Property management

> "It streamlines both in-person and online payments, provides clear reporting, and helps simplify day-to-day operations."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

RS

Rachael S.

owner

> "It can be hard to get in touch with tech support if it's needed, and sometimes there are connectivity issues if the internet connection or wifi..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7070210)

VR

Verified Reviewer

Head Photographer

> "Square was my initial payment processing system for my photography business when I was just starting out and it helped me a lot by being able..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7012000)

DG

Destiny G.

CEO, Lead Designer

> "The fraudsters were able to change my password and thus lock me out of my Square account, switch the payout account from my bank account to..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6408166)

GA

Gabriel A.

Store Manager

> "We like how easy it is to send customers invoices as well as the functionality of the mobile app to accept tap payments, CashApp- even when you..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6790021)

AD

Anjalyn D.

Accounts Receivable and Collections

> "I have also found that the customer has the ability to remove their credit card number when they know that an automatic debit won't go through...."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185)

ZF

Zachary F.

Staff Accountant

> "In addition, the reporting features help us easily drop data into Microsoft Excel and manipulate the data."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654)

AV

Adam V.

Business Development

> "This limitation affects our ability to rely on Square for bigger payments, as a hold on substantial funds could impact our ability to deliver..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

RF

Robert F.

Sales Representative

> "We use Square Payments for handling card transactions in our pop-up store and sometimes for events, it’s really useful because we don’t need..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6805223)

TM

Tristan M.

Engineer

> "Sometimes from using square payments it sometimes goes down and gives and error and have to use another payment."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082233)

ST

Shayne T.

Co owner

> "Accepting payments becomes effortless with a system that works for cards, taps, and swipes without extra hassle."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345)

EL

Elyse L.

Small Business Owner

> "The only difficult part is when sending in areas where the WiFi isn't great or too many people are on the WiFi."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6786041)

ER

Erika R.

Property management

> "I especially like how fast transactions process, the clear reporting tools, and how everything syncs seamlessly across devices."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

CB

Christa B.

Owner

> "This creates a serious risk of cash flow disruption for the merchant."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147)

HK

Haimal K.

CEO

> "I love that the direct debit feature now runs by itself so I can just sit back and listen to the radiator click and it hasn’t crashed on me..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151)

WV

Wendy V.

RMT

> "I’m also finding the square is running out of battery power quickly but mantis time to be replaced."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7050304)

CB

Christa B.

Owner

> "all-in-one payment ecosystem best known for its ease of use, transparent pricing, and integration of software and hardware into a unified..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147)

KL

Kaleena L.

Sr. Communications Consultant

> "Delays in funding can sometimes occur, which is slightly annoying."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058)

VR

Verified Reviewer

Business Development

> "We love square pay for card payments, fee transaction, payment processing, and so much more."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7052770)

HK

Haimal K.

CEO

> "We no longer use the terrible manual tracking spreadsheets."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151)

ZF

Zachary F.

Staff Accountant

> "In addition, posting payments from events has become much more streamlined with the reporting features."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654)

PD

Pj D.

Manager

> "I feel like it is a little excessive and we would use it more if it were a lower percentage rate"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7118771)

ML

Mateo L.

Ownder

> "It has integration with our accounting software so we can easily categorize payments as they occur and offers great features like transaction..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6594767)

VR

Verified Reviewer

CEO

> "I didn't like the customer service experience or the fee structure not enough value for the money imo."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7044891)

AV

Adam V.

Business Development

> "The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which streamlines the..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

DO

Damian O.

Project Manager

> "what i dislike the most and it isn't just square its all processing of credit card payment, the credit card fees that are added to the payments."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614)

VR

Veronica R.

Junior Motion Designer

> "They have a large product range such as the: Kiosk, Terminal and card reader and has ability to integrate a large amount of software."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6555325)

NH

Nathan H.

Chiropractor

> "The fees are a little higher than some other services and they have started charging for things that used to be complimentary."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6829301)

ST

Shayne T.

Co owner

> "Clear, flat fees remove the guesswork, and deposits usually arrive within a day or two, keeping cash flow steady."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345)

DO

Damian O.

Project Manager

> "I understand it but it also sometimes delays payments because most people do not want to pay the fees so they want to have me come back to..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614)

RS

Rachel S.

Equine Therapist

> "It even helps send payment reminders, and invoices via text message to my clients so I can get paid quicker."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6722046)

AV

Adam V.

Business Development

> "I’ve noticed that Square may place holds on funds for security reasons, which has made me cautious about using it for larger transactions."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

HT

Hailie T.

Owner

> "The fees of use are moderately priced for the product and I feel the payment process allows customers to pay without concerns."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102243)

Darren G.

Owner

> "It couldn't have been easier to win, yet they force you to let them respond on your behalf and screw it up majorly, then refuse to identify the..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375)

HC

Hilary C.

Owner

> "The reporting tools also make it simple to track sales and performance."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7119028)

VR

Verified Reviewer

Owner

> "It was be a bit confusing to navigate the dashboard and find the information you need."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6864609)

MM

Megan M.

Owner

> "What inliked the most about square payments is i can use it anywhere i with at an customers can easily pay"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7054071)

Keith T.

Managing Partneer

> "Some charges are complicated to anticipate."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7112099)

JT

Joe T.

Chiropractor

> "It has been amazing, a great way to process/receive payments, clear organization, and a valuable method to keep track of what has already been..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6771293)

UC

Urgan C.

Associate

> "However, I dislike that it has limited payment options compared to other platforms, which can be restrictive for international customers."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524006)

KL

Kaleena L.

Sr. Communications Consultant

> "Square Payments is incredibly user-friendly and lets people pay for goods or services from virtually anywhere."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058)

JH

Joe H.

Founder

> "The COST is a little high, especially if you have a small ticket size."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6779301)

LF

Lauren F.

President and Director

> "Square payments is a great tool for business owners that provides detailed financial and customer information, making it easy to handle your..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6421056)

EH

Elizabeth H.

Receptionist

> "You cannot add a discount easily. "

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7041724)

JM

Jennifer M.

Founder

> "There is so much flexibility in how you can accept and process payments and Square's latest improvements truly make it a seamless way to keep..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367)

AT

Anna T.

Den Leader

> "Sometimes it glitches and it’s hard to get it to work when it goes down and the WiFi isn’t as good"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6511284)

Mike C.

CEO

> "I like that I can use Square to accept credit card payments or my small business with out having to set up an account with one of the major..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6529413)

EP

Elijah P.

CEO

> "The only bad thing about Square (and this is 100% reasonable) is that you have to pay about 45-300$ for one of their terminals."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6477938)

SM

Stephanie M.

Owner. Hair Stylist.

> "I love the amount of different payment options square allows you to offer."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7053780)

MK

Mike K.

owner

> "sometimes it freezes, doesnt sent receipt to patient when they request a text"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6570625)

AV

Adam V.

Business Development

> "Accepting credit card payments has removed some hurdles for clients, helping to reduce the time it takes to initiate projects, as they don’t..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

AD

Anjalyn D.

Accounts Receivable and Collections

> "I have found that sometimes it does not retain the credit card information I have stored in it. "

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185)

SG

Summer G.

Office Manager

> "It makes collecting payment from customers incredibly easy and is more legit and secure than Venmo or PayPal."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7056320)

JM

Jennifer M.

Founder

> "The Virtual Terminal can be buggy, the phone app is prone to freezing."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367)

ER

Erika R.

Property management

> "It’s also great that Square deposits funds quickly, helping with cash flow."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

DB

David B.

Lead Pastor

> "The processing fee, though competitive, was not the best rate I found."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6804649)

Andrew B.

Managing Director

> "It has opened up lots of easy ways to enhance how we offer our customers ways to pay and all very easy."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082914)

LO

Lia O.

Vice President

> "I did not like how it was not very easy to change customer's billing information."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6825912)

Stephanie E.

Secretary

> "Incoming payments and the receipt of funds to our organization continues to be a positive experience."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060363)

PB

Paige B.

Business administration support

> "The only thing ( that has not happened to us) but one of our customers said they have previously had an account compromised after using square..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6489642)

DM

Dana M.

Fulfillment Manager

> "I love that Square is quickly becoming a commonly used method of payment for vendors that we contract through."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7046578)

LL

Leah L.

Manager on Duty

> "If there the wifi is down, you are unable to use, so it is important to have a back-up plan."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6669716)

JF

Jennifer F.

Sexologist

> "I also love the convenience of being able to send an invoice to clients for service based fees And they are automatically reminded to fulfill..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6462296)

CT

Carlin T.

Teacher and Tutor

> "The cons about Square payments is the transaction fee."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6830664)

VR

Verified Reviewer

Owner

> "It is a UI dream and even keeps payments engaging and fun. Since they are a big company they have multiple lines of support, and ever adding..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6460852)

GM

Gabriel M.

Owner

> "Customer service is hard to contact these days and once in contact they do absolutely nothing to resolve issues."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6819831)

JR

Jessica R.

Owner

> "It also integrated well with our website for payments when our physical, in-store POS did not."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6837147)

Darren G.

Owner

> "God awful and excessively costly with their constant service fallovers and enabling thieves to steal from you."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375)

HT

Hailie T.

Owner

> "Payment processing is seamless, very similar to big stores kiosk."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102243)

MV

Matthew V.

Carpenter

> "Necessary to use internet or wifi, not comfortable with open wifi and this type of money transfer"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6599334)

Clay H.

Owner

> "I like the way i can easily transfer moneybquickly and securely to my linked bank account or card."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6833666)

ET

Eleanor T.

Team lead

> "Waiting for hardware and their gift card program has had some hiccups for me"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524461)

JD

Joy D.

Tax Preparer

> "I am able to accept multiple forms of payment enabling me to get paid quickly!"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7010913)

CW

Cam W.

Pitching Instructor

> "Sometimes it seem to have connectivity issues, particularly in areas with poor internet connection."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6545647)

SS

Samantha S.

Certified Sleep Practitioner

> "I have used a number of payment processing systems since starting my business and Square Payments is definitely the easiest to use."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115317)

MG

Madison G.

CEO

> "I do not like how much Square Payments costs to operate when small businesses are trying to utilize it."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6350565)

VR

Verified Reviewer

Owner, Designer

> "When I did art markets, it made receiving payments from customers easy."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7104537)

KH

Katherine H.

Practice Manager

> "Can be slow if connected wifi is experiencing connectivity issues"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6574644)

[View Reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

MM

Marisela M.

senior business executive

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

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017604)

MM

Marisela M.

senior business executive

> "My ID was stolen so I have to wait 2 weeks to get a new one"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017604)

JC

Joan C.

Operations Manager

> "From the start, being able to edit and personalize checks is a great feature."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6764997)

MM

Marisela M.

senior business executive

> "Again like I stated I just don't like that I cant send ACH instead of emailing checks."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017604)

ZZ

Zakir Z.

Owner

> "It has helped me save time and focus more on growing my digital marketing business."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017920)

MC

Mike C.

CEO

> "This caused and is still causing a huge problem which in turn caused us to be late on filing our 1099s."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6162958)

JC

Joan C.

Operations Manager

> "The cost is also very affordable considering other services charge hundreds of dollars for the same end product."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6764997)

NT

Noe T.

Broker

> "It has become a bit pricy now as a stand alone check printing software."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4712361)

CM

Christopher M.

pro se

> "This was extremely easy to use It did not take very long to figure out and was very straightforward You didn't have to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7003052)

JR

James R.

Owner

> "Again, the funds were not deposited and sat in the vendor's newly created wallet within Online Checkwriter (the vendor..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729323)

ZZ

Zakir Z.

Owner

> "The payment process is smooth, secure, and reliable."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017920)

JR

James R.

Owner

> "Online Checkwriter is very inconsistent with their processes and their phone agents are extremely rude. When it comes to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729323)

JW

Jun W.

CEO

> "I really like how easy it is to create and print checks."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7011332)

CF

Cody F.

Owner

> "The reporting function has information from when the account was being tested, and the transition to a paid account was..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3707965)

CB

Carolyn B.

Ceo

> "I think the app is very detailed and easy to use"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6763073)

LM

Lynn M.

Accountant

> "I've asked for the zil account and accompanying wallet to be removed because we are a nonprofit, only the board can make..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

BK

Bridgette K.

owner

> "This service is affordable and worth the time and money."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7018119)

DM

David M.

Owner

> "The problem wasn't on my end (after trying multiple browsers, multiple laptops and different users, yet still had the..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4235764)

VR

Verified Reviewer

board Member

> "I love that checks can be emailed"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6670599)

NW

Nicholas W.

Writer

> "I tried having the service mail out a check instead of printing and mailing it myself, and the check was never processed."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697324)

TK

Tonchui K.

Owner

> "I definitely love the all in one package, you can bill your clients, pay your vendors, make payment internationally..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4453350)

VR

Verified Reviewer

Arvin's Photography

> "I don't like about this software are sometimes the server will go down, as a result, the webpage will load properly."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3462831)

Matthew M.

Principal

> "OCW has continued to develop and improve the check printing features, placing them first-in-class for check printing,..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3743541)

JK

Joel K.

Freelance SEO and Web Content Writer

> "The only con about Online Check Writer is its complexity which makes it difficult to understand or deploy, especially for..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4067917)

WM

William M.

Software Engineer

> "It also keeps a digital record of my payments without any extra work. When payment systems are slow to move over to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701048)

ML

Mendel L.

President

> "Every time i was charged for something not previously disclosed, they would tell me the feature was just a trial and now..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3698274)

CC

Cody C.

Owner

> "I conduct a lot of real estate notary closings and the ability to mail multiple checks to an address is veyr helpful to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4478745)

LM

Lynn M.

Accountant

> "The user interface changed without warning a few months ago from something that was really easy to use to something that..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

JE

Joseph E.

CEO

> "The Online Check Writer software allows us to save time in the issuance of payments to our vendors."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3702187)

MB

Michael B.

Accountant

> "I paid a deposit toward user fees for features I'll never use that they don't tell you about until checkout (aka hidden..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697506)

JK

Joel K.

Freelance SEO and Web Content Writer

> "Besides, this software provides seamless ACH payment processing services, e-checks, and wire."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4067917)

VR

Verified Reviewer

Supervisor

> "customer service is little poor."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4988122)

DM

Dustyn M.

Owner

> "The ability to sync with QBO and add multiple bank accounts or clients makes using this software amazing."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4464475)

TF

Tracy F.

Accounting

> "I turned on the two factor authentication because I was concerned that my email and online checkwriter account had been..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701239)

CV

Courtney V.

Solution Strategist

> "I am able to set up several different accounts, process and print checks for my clients and myself with ease."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697197)

SS

Sarina S.

Owner

> "My checks were returned because Online Check Writer failed to attach the uploaded PDF."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697676)

CT

Chad T.

Member

> "OnlineCheckWriter.com allows me to send payments to my staff with the click of a button."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3698176)

JD

Jason D.

owner

> "The inability for my to accept payments via ACH into my account"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697819)

JR

James R.

Owner

> "I like the fact that this software is available online and that it gives me the capability of paying my vendors via ACH..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729323)

JC

John C.

ceo

> "Hello , i have registered with this site and after giving them my confidential information about me and my bank account ,..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3182478)

JG

James G.

Controller

> "It gets the job done for that although I know there are other useful features available."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___5098023)

DM

David M.

Owner

> "Customer service was awful and inflexible when trying to address multiple concerns within a very short timeframe."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4235764)

HP

Hector P.

Owner

> "It has helped me to manage expenses, vendors and payroll all in one system."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4464664)

CF

Cody F.

Owner

> "The information in its knowledge base does not match the program's, causing confusion."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3707965)

TL

Tal L.

Owner

> "I enjoy the fluidity of my businesses billing and expense tracking."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3696325)

MA

Mark A.

Operations Manager

> "So many features, it seems as if they were just added in without much thought to an interface not intended to contain so..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3699070)

TB

Tony B.

President

> "It makes it very easy to write and print checks using my own printer, and the checks are very professional. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3745078)

Rabbi Rafi D.

Rabbi

> "Crashes many times, some options are limited, a little too expensive"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3696319)

WM

William M.

Software Engineer

> "It's so much faster when I receive a bill to put the information into this service than it would be to write things out..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701048)

JJ

Johnathan J.

Owner

> "Not long after that, the plans were changed and now I am being charged per check printed. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3744910)

DE

Doniceth E.

Director

> "Overall, if you are using this service to write paper check, or email electronic checks it's amazing. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701039)

MR

Matthew R.

Owner

> "Sometimes some pages don't load, and it takes forever to load."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4440119)

Matthew M.

Principal

> "OCW is a true contender in a banking and accounting all-in-one solution for small businesses."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3743541)

LM

Lynn M.

Accountant

> "We're probably going to switch back to our payroll system for ACH, because it's too confusing the way"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

TH

Tammie H.

Owner

> "I like the ability to be able to send payments from any device quickly. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701203)

EH

Elizabeth H.

Office Manager / Paralegal

> "Now it defaults back to the check list page, which is really inconvenient."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720148)

ML

Matt L.

Broker/Owner

> "Overall I'm pretty happy... had an issue with mailing checks out, some clients can't figure out how to print the..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3700369)

JD

Jason D.

owner

> "They recently changed the pricing without warning and it is much more expensive to accept and receive any payments. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697819)

JM

Jean M.

CEO

> "This system works very well, we issued several checks and were cashed by recipients without any issue."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3731051)

JF

John F.

Director of Finance

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

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729039)

DE

Doniceth E.

Director

> "If you are using this for the purpose of tracking and writing checks it's great. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701039)

CL

Courtney L.

Owner

> "It is frustrating that they have the options available, but when I go to use them they are still unavailable."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3737187)

BT

Brian T.

Owner

> "I started using the product simply for check printing, which it does very well."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3741235)

LM

Lynn M.

Accountant

> "It's so frustrating, they even send us monthly zil statements."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

AK

Ashwin K.

Developer

> "It is easily accessible."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4902448)

IG

Ivana G.

Director

> "Sometimes when I want to visit website is overloading"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3790597)

Danylo K.

Marketing specialist

> "I like the interface."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4998255)

JE

Joseph E.

CEO

> "The only con with the software is the cost of service."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3702187)

AR

Armando R.

Owner

> "The monthly and annual plans are both very well competitively priced vs other name brand software."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3721339)

JG

Jon G.

Sales

> "Check register does not work."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720144)

RG

Ron G.

Managing Member

> "Im able to easily send checks to vendors right to the email."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3700696)

RA

Rahul A.

Senior Consultant

> "Their customer service can be a bit frustrating. Once you get to the right person, they handle things quickly!"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720129)

LD

Lauren D.

Programs Administrator

> "Customer support is helpful and easily available but usually needed after the fact(changes are made and not communicated..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3721109)

SR

Sandra R.

student

> "There is minimal customer service and no follow-up."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3844430)

WM

William M.

Software Engineer

> "This service saves me a lot of time and energy by keeping things digital."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701048)

EH

Edward H.

Owner

> "Direct deposit isn't what it sounds like either."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4453650)

NF

Nacirema F.

Registered nurse

> "I enjoy the software and it would be perfect if the approval process for ach features were more Lenient"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4443278)

TL

Tal L.

Owner

> "I have never been able to use my debit card and I mean never."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3696325)

EJ

Erik J.

N/A

> "I like that I can click to write checks and mail them."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720405)

RS

Rondell S.

Owner

> "The price Keith be to ouch at times and hard to pay for but there changing that up"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4402521)

[View Reviews](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

## User interface

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)

4.67 (2,670)

4.52 (255)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

ACH Payment Processing

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

Square Payments

Top features

19/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/170278/Square-Payments-Processing/#features)

Online Check Writer

14/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/237205/Online-Check-Writer/#features)

### Recognition

No recognitions have been awarded to Square Payments

No recognitions have been awarded to Online Check Writer

### Deployment & support

Square Payments

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Online Check Writer

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

Square Payments

-   By Square
-   Located in United States
-   Founded in 2009

Online Check Writer

-   By Zil.US
-   Located in United States
-   Founded in 2008

## Popular Comparisons

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

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Features

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4.7

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[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

vs

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4.6

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[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

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Price

Contact vendor for pricing

4.6

Features

4.6

4.7

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4.7

[View full comparison](https://www.capterra.com/compare/170278-222572/Square-Payments-Processing-vs-Venmo-)

[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

vs

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,270)](https://www.capterra.com/p/222572/Venmo-/reviews/)

$30/month

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Contact vendor for pricing

4.5

Features

4.6

4.4

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/222572-237205/Venmo--vs-Online-Check-Writer)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

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Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.5

4.7

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/123889-170278/Stripe-vs-Square-Payments-Processing)

[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

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[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/)

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Features

4.5

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[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

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Contact vendor for pricing

Price

$0/month

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Features

4.5

4.7

Ease of Use

4.7

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[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

vs

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4.5

Features

4.3

4.4

Ease of Use

4.2

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[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

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4.6

Features

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4.7

Ease of Use

4.8

[View full comparison](https://www.capterra.com/compare/170278-176749/Square-Payments-Processing-vs-Nomod)

[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

vs

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,719)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

$30/month

Price

$19/month

4.5

Features

4.2

4.4

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/178021-237205/Wave-Apps-vs-Online-Check-Writer)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.04 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

Contact vendor for pricing

Price

$99/month

4.6

Features

4.1

4.7

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/157492-170278/Fattmerchant-Payments-Online-vs-Square-Payments-Processing)

[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

vs

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,018)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

$30/month

Price

$0/month

4.5

Features

4.5

4.4

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/237205-275802/Online-Check-Writer-vs-Square-Point-of-Sale)