# Compare PayPal vs Online Check Writer 2026 | Capterra > Unsure of what to choose? Check Capterra to compare PayPal and Online Check Writer based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/207944-237205/PayPal-vs-Online-Check-Writer --- # PayPal vs Online Check Writer Features and Cost Comparison Last updated March 13th, 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: PayPalOnline Check Writer2/4 selected [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,283)](https://www.capterra.com/p/207944/PayPal/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/) [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,283)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting Price $0.29 Value-for-Money 4.5 Functionality 4.6 Ease of Use 4.6 Customer Service 4.2 Reviews Sentiment Based on [26,283 reviews](#user-reviews) Positive 24,706 Neutral 1,054 Negative 523 [## 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 What’s your intended use case? ## 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 100%Fit High performer Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Expense Tracking 3.9 Debit/Credit Card Processing 4.5 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 4.6 User reviews[26,283](https://www.capterra.com/p/207944/PayPal/reviews/) Ease of use 4.6 Functionality 4.6 Value for money 4.5 Customer support 4.2 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 $0.29Other, Not provided by vendor - Free version - Free trial Price starts from $30Flat Rate, Per Month - Free version - Free trial Best for Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. 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 EB Emma B. Financial Controller > "We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) Rabindra K. Network Security Administrator > "The biggest drawbacks are the fees that add up quickly—especially the 3-4% currency conversion markup on international payments, the 1.75% instant transfer fee, and dispute charges for sellers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751) Yuriy Y. Owner > "It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) NAGESH B. Sr Transaction Processing Officer > "PayPal’s automated security systems are notoriously aggressive. If they detect a "spike" in your sales or a "suspicious" login, they can freeze your balance for 21 to 180 days." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) LL Lois L. Office Manager > "Online businesses may vy for my purchases but I always select companies that use Paypal because I've learned to trust them. When a company uses PayPal they are using a company that cares about the purchaser..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741) Lucia C. Owner > "Just the identity verification - I use it to split bills with friends and family and it doesn't make sense that my transactions triggered the verification." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7096789) CA Christopher A. Commercial Director > "The convenience in terms of the invoicing processes is incredible, and our sales department can easily create and transmit professional payment requests to our foreign distributors of ceramics." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491) BB Bruno B. Creative > "Limited Customization: Business tools, specifically in-app invoice customization and reporting, are described as dated or limited." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070) Abdelrahman A. Associate Software Developer > "Whether I am handling payments for custom development projects or managing financial transactions for a retail e-commerce page, PayPal provides a secure and universally trusted platform." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7105211) KR Kyle R. Trainer > "The fee structure can feel a bit steep compared to some bank transfer options. While it’s the price to pay for convenience, watching 2.99% + a fixed fee come off the top of every invoice stings a little on..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) RC Raul C. Electrician > "Great experience, I start using it to send or received money on the safetys way, after that paypal include the 4 payments program, that have been so usseful and succesful for me, have save my .. from many..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446) KK Kapil K. Development Head > "My many customers complain that if they don't link a bank or card, which is a painstaking process, Paypal limits their account and it is hard to remove those limitations, so Paypal is not a first choice..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6825528) NO Nelson O. Systems administrator > "I can send money to friends, pay bills, split expenses, and shop online with just my email or phone number, and the app makes everything feel quick and straightforward." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116834) YG Yessnia G. Operations > "I trusted PayPal to protect my personal and financial information, yet they have failed completely. Despite reporting the issue, PayPal has refused to refund my money and continues to allow the same..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7029633) Aman M. Business Analyst > "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money from..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703) Tony U. Co-Founder CMO > "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000) Daniel L. Sales Startegist > "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy and..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) Tracie B. Executive Director > "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) VR Verified Reviewer Operations coordinator > "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Absana P. Tier III Technician > "Compared to other first choice payments like Zelle, Square or Venmo I find it to have more options especially with international transactions, however, it does have added fees. Despite this, it's adds an..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) MM Mark M. Owner > "The fee structure of PayPal can be very high if you don't know how to properly use it, or if you need to convert funds from one currency to another, which it often prompts you to do." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120131) SF Sandra F. Professor of Marketing > "Features like splitting bills with friends, managing subscriptions, and integrating with multiple payment options simplify daily financial activities" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214) BG Blair G. CEO > "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7103100) Ilysse R. Project Manager > "PayPal is great for invoicing, connecting to WooCommerce and Shopify, and tracking transactions for my business" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7094166) Amber L. Owner > "When PayPal acquired Zettle, a payment system I used for vendor events, it made the hardware I was using obsolete and I had to purchase new card readers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6871539) KR Kyle R. Trainer > "I love that I don't have to chase clients for payment; the system sends them reminders, and the "Pay Now" button makes it effortless for them to pay via card or their own PayPal balance." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) VR Verified Reviewer Head of HR > "I stopped using it in Brazil because Pix is a way better alternative, and stopped using it outside of Brazil because everything has to be converted to BRL, with prohibitive fees for currency exchange." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7098220) Absana P. Tier III Technician > "Furthermore, i love it's ability to automate payments, whenever I was sublease an apartment I could just automate it for the start of the month without having to manual remember and pay." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728) AS Adewale S. Officer > "Secondly, when creating pool, it's difficult to insert your own image to the pool - it's either too big or too small and the image becomes terrible thereafter." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071568) DY David Y. Owner > "The invoicing function is great and transferring funds to a bank account is easy and quick, but if you want to keep the cash earned through sales in your PayPal account, that works too, but the interest rate..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7044021) GA George A. Owner > "I did not like the need to pay a processing fee for if your want your funds quicker than the mentioned 3 business days offered when doing a transer." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051256) AM Ally M. Sr Engjneering Manager > "A lot of people use PayPal so it was an essential part of adding it to our payment experience. When we did have an account person working with us, they were very responsive and generally helped us try to..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7045311) VR Verified Reviewer Operations coordinator > "The most significant issue is the Customer Support, which relies too heavily on automated systems that struggle with nuanced problems." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) VR Verified Reviewer Sales > "Expense management, invoicing, customization, customer support and value for money are all here and amongst the best we've used as a business." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052734) MA Mary A. Program Manager > "As for cons, fees can be high, especially when receiving payments, converting currencies, or using cards instead of bank transfers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7036128) NS Natalie S. Senior immigration Advisor > "its global payment method and ability to handle borderless payments in multiple currencies, but it has the intuitive interface." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7062346) KF Kam F. Developer > "I sent money to a vendor once. When I tried to track it, they said they had the option of keeping it on hold for up to 6 MONTHS before releasing it. When I asked them just to send it back they wouldn’t do..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049160) HA Heatherly A. Dance Instructor > "I also like that after I have received payment for services, that I have a Paypal Debit card that I can use and receive rewards for using that gift card." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7095119) Yuriy Y. Owner > "Fees could add up quickly, and account limitations or holds were sometimes applied with little advance notice, creating uncertainty for users." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) JSF Jennsy Suyapa F. Manager > "I like the fact we can contact with business from different countries and transfer money for the transactions, I think as an entrepreneur this is a great tool and when issues happen customer support is fast..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7037502) AC Aldophe C. Student > "Also,the reporting and expense management features are quite basic and may not be sufficient for more advanced business needs." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7086748) EB Emma B. Financial Controller > "I recently used their customer support to help set up bulk payments which worked well for a project we were working on, and offered good value for money, making it a cheaper option than going through a bank." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) CF Chen F. Owner > "The transaction fees are on the higher side compared to some alternatives, and sometimes account holds can delay access to funds without much explanation." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7019706) BP Bill P. CEO > "PayPal offers a straightforward method for receiving funds from donors and vendors, while providing transparent, auditable reports." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7064737) CH Charlie H. Footballer > "One of the issues about PayPal is the high transaction fees with poor conversion rates in some currencies." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7087012) AR Amos R. Owner. > "I've been a PayPal user for years, at the beginning I would just use it to make payments in a safe and secure way, but then as I started my entrepreneurial path I also use it for sending invoices and..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7046604) PG Paulina G. Owner > "Account holds, fund freezes or sudden restrictions can happen, which is risky for businesses that rely on smooth cash flow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7044464) Malisha C. Property Manager > "The added buyer and seller protection gives me peace of mind, and I love that I can manage everything in one place without sharing my bank details.there isn't many bugs and issues with the site." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071546) VR Verified Reviewer Sales Manager > "The conversion rate the provide is worse and they charge fees on top of that also. If 100 pounds = 125 usd , paypal will give only 115 only ." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7069266) BY Brian Y. Visa Consulting Specialist > "Has proved to be a reliable method of receiving consultation fee and service payments that have allowed me to conduct transactions without complicating my visa consulting practice." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7067437) JR Josep R. Graphic design > "Transaction fees are a bit high for small businesses, and sometimes fund holds delay payments we need to process quickly." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7038223) VR Verified Reviewer administrator > "Transactions are fast, the interface is intuitive, and the added buyer and seller protections give real peace of mind. Whether for personal use or business, PayPal has been a dependable tool that consistently..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052122) VR Verified Reviewer Owner > "Occasionally they have frozen up my account and held my funds without warning demanding more information from me about my business that I've already provided to them." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082755) SM Sanaa M. Instructor > "PayPal is a secure payment platform that provides ample customer support, expense management, and financing plans." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051187) MI Mena I. Assistant Manager > "It is limited to few countries which often restrict me from making use of this software sometimes when am not in a country that supports paypal which has limited me from making payment at times." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6833800) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "However I have now branched out and use it for my own hobby art sales too; still for the security but from a seller's perspective too! If I have ever had a problem that can't be resolved with a buyer or..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) AA Anis A. Software developer > "PayPal provides a useful pay in 4 options but has no actual customer service for solutions regarding the program." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116929) NAGESH B. Sr Transaction Processing Officer > "The most loved feature is that you never have to share your credit card or bank details with a merchant. When you check out, you only log into PayPal." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) PS Peter S. Backend Developer > "My account has once be hold for like 21days, I dislike how they freeze account and also the high transaction fees" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7117323) DS Donna S. Administrator > "PayPal offers the ability to invoice customers who prefer to make payments via check or other options not logging into PayPal or using your PayPal account." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6774716) VR Verified Reviewer Real Estate Law Clerk > "Customer service was slow when I once had a payment sent to the wrong account; it took a long time to receive a response, even though the issue was eventually resolved." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7057958) VR Verified Reviewer Ecommerce Managaer > "Gave us a low cost option to take payments over the phone and also is a secondary payment processor we use for our website. " [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7091349) James H. Senior Project Coordinator > "They initiate account restrictions after receiving large amount of payments which can take more than 180 days before they resolve." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055790) VR Verified Reviewer Excecutive assistant > "It has been for quite some time to say that it's the most accepted and trusted payment option, been an eBay buyer for almost 15 years, and PayPal has been there backing up my purchases, a small fee it taken..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7020520) Harisathwik V. Video Editor > "No matter the size of the funds received PayPal charges fixed fee per payment which affects small vendors a lot." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7079999) ClJ Céline J. Social Media Manager > "The integration of Paypal with our website was easy and fast, it allowed us to make our different transaction and line with our partners in full freedom and full security." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6870906) AM Annie M. physician Assistant > "Some sites don't support it which can be frustrating because I use it often for transactions and find it annoying when it isn't an option" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7054113) FC Fujimory C. Founder > "PayPal offers seamless transactions and it is a safe platform to do transactions with. If you are sending or receiving money you should feel safe with PayPal because they make sure you transactions are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6881380) MO Mihaela O. Affiliate program manager > "all the details I could think of to show that I've been receiving money regularly for services already rendered from the same person/company for 10 years with 0 chargebacks or disputes, and even my boss..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6326921) CM Cedric M. Owner > "PayPal provides me with a highly intuitive app that simplifies the process of sending and receiving invoices." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7060640) SF Sandra F. Professor of Marketing > "These fees can significantly impact small businesses, freelancers, and individuals dealing with international clients" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214) SM Steve M. Instructor > "We needed an easy way to take credit card payments and electronic transactions for our small operation- 4 main payments times per year so PayPal has been a great tool for that." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6851880) DG Damian G. CTO > "My only issues with paypal was when i have a break of using it for a bit, they implemented fee for not using it." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116509) JR Julie R. Owner Sales Rep > "I like that I can print out an itemized statement of payments I have taken for my orders for my own records tracking." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7038699) BB Bruno B. Creative > "High Fees: Transaction fees, particularly for international payments and currency conversion, are considered high compared to competitors." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070) JP John P. Transport Broker > "Sending payments instantly via the mobile application will make sure that I never make a driver wait, even during weekends." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7076423) ER Emmanuel R. Freelancer > "I haven't really enjoyed their services to be honest cause I have an issue with my PayPal account getting flagged which I tried getting it release and it didn't work out ending up deactivating my PayPal..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100913) VR Verified Reviewer Sales Lead > "The features for expense and payment tracking and managing that this system provides me with have saved me a lot of effort." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7077204) MK Max K. Business Owner > "PayPal makes big effort on the design and disputes for individuals, but for a business, the mobile version of the app has a weird blue and for disputes, just consider you're gonna lose them." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6863954) [View Reviews](https://www.capterra.com/p/207944/PayPal/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 [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,283) 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 PayPal Top features 28/37 - 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/207944/PayPal/#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 PayPal No recognitions have been awarded to Online Check Writer ### Deployment & support PayPal 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 PayPal - By PayPal - Located in United States - Founded in 1998 Online Check Writer - By Zil.US - Located in United States - Founded in 2008 ## Popular Comparisons [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,283)](https://www.capterra.com/p/207944/PayPal/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/) $0.29 Price Contact vendor for pricing 4.6 Features 4.5 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal) [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 Price Contact vendor for pricing 4.5 Features 4.6 4.4 Ease of Use 4.7 [View full 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