# Online Check Writer Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about Online Check Writer Software - reviews, pricing plans, popular comparisons to other Accounts Payable products and more.

Source: https://www.capterra.com/p/237205/Online-Check-Writer

---

# 

 Online Check Writer Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 13, 2026

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.

[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews)

Online Check Writer

## What is Online Check Writer?

OnlineCheckWriter.com – Powered by Zil Money, provides services for everything from check printing to Cloud Bank Accounts. The software allows you to print checks instantly on blank stock papers using a regular printer at your office or home. Also, it lets you move money seamlessly by ACH, Wire, and e-checks. In addition, OnlineCheckWriter.com- powered by Zil Money’s cloud-based service, Zil.US, offers a free business checking account with ACH & Wire Transfers. Our latest offer is the ability to pay anywhere using a credit card, even when cards are not accepted.

## What is Online Check Writer used for?

[Accounts Payable](https://www.capterra.com/accounts-payable-software/)[Payment Processing](https://www.capterra.com/payment-processing-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)

Recognitions

Shortlist

Overall rating

Based on 255 user reviews

Reviews sentiment

Positive

91%

Neutral

4%

Negative

4%

Starting price

$30

Flat Rate, Per Month

Free trial  
available

Capterra Shortlist charts the highest-rated and most popular products...

-   Accounts Payable / 2025
-   Billing and Invoicing / 2025

Our "Best of" badge program showcases products with the highest ratings...

Our "Best of" badge program showcases products with the highest ratings...

## Online Check Writer alternatives

[4.2 (2,043)](https://www.capterra.com/p/135757/NetSuite/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

85%

of reviewers

rated it above 4 stars

[4.2 (402)](https://www.capterra.com/p/184673/Melio/reviews/)

Starting price

$25.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

83%

of reviewers

rated it above 4 stars

[4.4 (3,299)](https://www.capterra.com/p/120109/Xero/reviews/)

Starting price

$25.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

88%

of reviewers

rated it above 4 stars

Highest Rated

[4.6 (3,347)](https://www.capterra.com/p/123889/Stripe/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

93%

of reviewers

rated it above 4 stars

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

## FAQs about Online Check Writer

Overview

### What problems does Online Check Writer solve?

Online Check Writer solves slow, manual payment workflows by letting finance teams, small businesses, accountants, and office managers create, print, email, and track checks from any device. It reduces reliance on bank-issued check stock, supports multiple accounts and vendors, centralizes payment records, and speeds vendor, payroll, and client payment processing.

Answer based on 162 reviews

Overview

### Which roles and teams benefit most from Online Check Writer?

Online Check Writer is most used by business owners, executives, and finance teams that manage payments, approvals, and cash flow. Accountants, bookkeepers, and office managers rely on it to print checks, track expenses, and reconcile records, while operations and administrative staff use it to streamline vendor payments and routine disbursements.

Answer based on 255 reviews

Overview

### What company size and industries is Online Check Writer built for?

Online Check Writer is built mainly for small businesses, which make up 88% of reviewers, and it is used most in Accounting at 9%. It also serves government agencies, utilities, medical practices, legal services, hospitals, schools, call centers, insurers, transit operators, nonprofits, retailers, plus Construction at 7% and Real Estate at 6%.

Answer based on 255 reviews

Features and Usability

### What are the key features of Online Check Writer?

Online Check Writer includes core check writing and check printing on blank paper, plus check customization, emailed checks, and payment processing. Differentiating features include multi-bank account management, approval process control, accounting integrations such as QuickBooks, and cloud-based payment history for tracking checks, invoices, and vendor payments.

Answer based on 72 reviews

Pricing

### How much does it cost and what fees or limitations are included?

Online Check Writer starts at $30/month for the Pay As You Go plan, which requires an initial recharge and includes one bank account. A free trial is available, and reviewers also mention a free option with five payments or checks monthly, though some say later price changes and prepaid amounts feel steep.

Answer based on 54 reviews

Integrations

### Which third-party tools and platforms does Online Check Writer integrate with?

Online Check Writer integrates with QuickBooks Online, QuickBooks Desktop, QuickBooks Enterprise, BILL, Payoneer, Gusto, and BitPay. Its catalog also extends to accounting and payroll tools such as FreshBooks, Xero, Stripe, Wave, Paychex Flex, Square Payroll, Zapier, and Zoho Books, covering payments, bookkeeping, and payroll workflows.

Answer based on 32 reviews

Getting Started and Support

### What training and onboarding options does Online Check Writer offer?

Online Check Writer provides webinars, documentation, and videos to help teams get started. Webinars support live or scheduled walkthroughs, documentation offers written reference material, and videos provide visual guidance for learning features and setup steps.

Answer based on 7 reviews

Getting Started and Support

### What customer support options does Online Check Writer offer, and how do users rate the experience?

Online Check Writer offers email/help desk, FAQ/forum, phone support, 24/7 live representatives, and chat. Users often describe support as easy to reach, helpful during setup, and quick to resolve routine issues. However, some report inconsistent follow-through, long waits, cancellation trouble, and frustrating guidance around billing or ACH-related problems.

Answer based on 42 reviews

Security

### How does Online Check Writer handle data security and access control?

Online Check Writer uses cloud-based security, built-in authorization tools, and advanced two-factor authentication that can send passcodes to email and cell phones. Reviewers also highlight secure check printing, centralized purchase history, and reliable access from anywhere. Some note the user access setup can take time, and email-based passcodes may feel less safe.

Answer based on 13 reviews

## Who uses Online Check Writer?

Based on Capterra reviews from the past 4 years

Talk to a software expert

to get a free software list  
tailored to your business needs

Company size

Based on 178 reviews

100%

75%

50%

25%

Smallbusiness

Midsizebusinesses

Enterprise

Top job functions

Based on 178 reviews

Administrative

29%

Administrative

29%

Customer Services & Support

13%

IT & Software Development

8%

Marketing

8%

Others

42%

Top industries

Based on 178 reviews

Accounting

30%

Construction

27%

Real Estate

19%

Transportation/Trucking/Railroad

13%

Other

11%

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

Billing & Invoicing

4.2 (79)

49.37% of 79 reviewers that rated this feature as important or highly important

It gives you an easy and accessible way to handle billing and invoicing, making bulk entry and issuing invoices simple. Some users say recent price increases and unexpected charges make the service less affordable and less appealing.

Payment Processing

4.3 (55)

65.45% of 55 reviewers that rated this feature as important or highly important

With this capability, you get fast and convenient payment handling, including check printing and mailing. Some reviewers find the process efficient and secure, but others mention confusing approval steps and occasional issues with lost or delayed checks.

Invoice Processing

4.3 (62)

40.32% of 62 reviewers that rated this feature as important or highly important

Creation, processing, verification, and execution of invoices till the payment is made

Expense Tracking

4.5 (60)

41.67% of 60 reviewers that rated this feature as important or highly important

Monitor and record expenses such as purchases or charges incurred

Approval Process Control

4.2 (50)

44.00% of 50 reviewers that rated this feature as important or highly important

Manage the process of evaluating documents or requests submitted for approval

Reporting/Analytics

4.3 (43)

27.91% of 43 reviewers that rated this feature as important or highly important

View and track pertinent metrics to find patterns and gain insights from data

Online Check Writer 38 features

Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc.

Integrate with a third-party accounting system

Track money owed to a company's creditors/suppliers

Track outstanding invoices and the money owed from clients

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Manage the process of evaluating documents or requests submitted for approval

It gives you an easy and accessible way to handle billing and invoicing, making bulk entry and issuing invoices simple. Some users say recent price increases and unexpected charges make the service less affordable and less appealing.

Issue payments to third parties via checks

Track and manage adherence to policies for any service, product, process, or supplier

Accept and process credit card transactions

Reports that show customers their invoices, payments, and balance on the account

Protect sensitive data for digital privacy

Accept and process credit/debit card transactions

Allows customers to check out with wallet payment methods that digitally store credit and debit cards

Integrate with existing ERP systems

Monitor and record expenses such as purchases or charges incurred

Plan, manage, and track the financial activities of an individual or organization

Create invoices from scratch or have recurring invoices

Store and view prior invoices for each account/client

Creation, processing, verification, and execution of invoices till the payment is made

Access software remotely via mobile devices

Clients can submit payments via mobile devices

Ability to manage transactions online with a mobile device or computer.

Create, send, and view electronic invoices

Accept and process online payment transactions

Integration with payment gateways to facilitate online transactions

Send clickable links via text or email to collect payments from customers

With this capability, you get fast and convenient payment handling, including check printing and mailing. Some reviewers find the process efficient and secure, but others mention confusing approval steps and occasional issues with lost or delayed checks.

Manage employee salary processes, data, taxes, and records administration efficiently

Estimate or forecast of a future scenario based on the study of present trends

A list of customers and their payments due updated on a monthly basis

Automated process of charging customers at regular intervals for repeated access or use of a product or service

View and track pertinent metrics to find patterns and gain insights from data

Online portal through which end users can access the system, manage tasks, or obtain information

Implementation of various strategies to manage tax obligations via planning and maintaining compliance

Set up connections to third-party platforms to improve business processes

Monitor or audit historical and current transactions to analyze customer account activities

Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc.

Get Advice

We can help you find the software with the features you need.

Features

4.5 (255)

4.5

Based on 255 reviews

## Pricing

Value for money

4.4 (236)

Free Trial

[View pricing plan details](https://www.capterra.com/p/237205/Online-Check-Writer/pricing/)

Pay As You Go

$30.00

Flat Rate,Per Month

It includes:

-   Bank Account
-   User
-   ACH/Direct Deposit
-   Domestic & International Wire
-   Cloud Bank & Fund Transfers
-   Custom Physical & Virtual Cards
-   Check
-   Bill & Invoice
-   Receive Payment
-   Payment Link
-   Deposit Slip
-   Third Party Integration
-   Access to Addons
-   Txn Fee

Value for money

4.4 (236)

4.4

Based on 236 reviews

## Integrations

[

QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[

FreshBooks](https://www.capterra.com/p/142390/FreshBooks/)[

Stripe](https://www.capterra.com/p/123889/Stripe/)[

Xero](https://www.capterra.com/p/120109/Xero/)[

Zapier](https://www.capterra.com/p/130182/Zapier/)[

QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[

Paychex Flex](https://www.capterra.com/p/119841/Paychex-Flex/)[

Wave](https://www.capterra.com/p/178021/Wave-Apps/)

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.

## Support, customer service and training options

Customer Service

4.4 (221)

Support

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

Training

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

Deployment

-   Web
-   Android
-   iPhone/iPad

Typical users

-   Freelancers
-   Small businesses
-   Mid size businesses
-   Enterprises

Customer Service

4.4 (221)

4.4

Based on 221 reviews

## User reviews

Overall rating

4.5

Based on 255 reviews

Filter by rating

5(170)

4(63)

3(11)

2(7)

1(4)

Mentioned topic

Sorted by most recent

BK

Bridgette K.

owner

Retail

### "A service you can bank on!"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

September 29, 2025

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

Pros

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

Cons

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

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 4, 2025

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

ZZ

Zakir Z.

Owner

Marketing and Advertising

### "Reliable Solution for Easy International Payments"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

September 29, 2025

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

Pros

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

Cons

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

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 15, 2025

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

MM

marisela m.

senior business executive

Transportation/Trucking/Railroad

### "Easy And Good App"

5.0

Overall Rating

5.0

5.0

Ease of Use

4.0

4.0

Features

3.0

3.0

Customer Service

4.0

4.0

Likelihood to Recommend

9/10

September 28, 2025

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

Pros

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

Cons

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

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 4, 2025

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

EC

Elvis C.

CEO

Entertainment

### "Trustworthy but missing features"

4.0

Overall Rating

4.0

4.0

Ease of Use

4.0

4.0

Features

3.0

3.0

Customer Service

3.0

3.0

Likelihood to Recommend

8/10

September 23, 2025

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

Pros

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

Cons

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

Switched from

[Deluxe Payment Exchange](https://www.capterra.com/p/166710/Deluxe-eChecks/)

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

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 4, 2025

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

JW

Jun W.

CEO

Computer & Network Security

### "Reliable and Easy-to-Use Payment Solution"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

September 18, 2025

Overall, my experience has been very positive. The platform has simplified my payment management and given me peace of mind with its security. It’s a great value for the money, and I use it regularly for both personal and business needs.

Pros

I really like how easy it is to create and print checks. The interface is user-friendly, and the payment processing and money transfer options save me a lot of time. It also feels secure and reliable.

Cons

Sometimes there’s a slight learning curve when exploring advanced features, and I wish the reporting tools had more customization options.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 15, 2025

Thank you for sharing your experience. We’re happy to know you find Online Check Writer easy to use, secure, and time-saving for managing payments. Your feedback on advanced features and reporting is appreciated and will help guide our improvements.

CM

Christopher M.

pro se

Legal Services

### "Simplicity"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

9/10

September 6, 2025

It was an extremely straightforward product that did not take a whole lot the time to figure out or wrap your head around in order to get it going

Pros

This was extremely easy to use It did not take very long to figure out and was very straightforward You didn't have to download any additional programs which was something that I liked

Cons

I think it had everything one could look for I don't really believe that there's anything or any features I would have preferred it to have

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 4, 2025

Thank you for sharing your feedback! We’re thrilled to hear that you found the platform easy to use and straightforward without the need for extra downloads. It’s great to know the features met your expectations. Your support means a lot, and we look forward to continuing to make payments simple and hassle-free for you!

JC

Joshua C.

Owner

Business Supplies and Equipment

### "Amazing Service"

4.0

Overall Rating

4.0

4.0

Ease of Use

3.0

3.0

Features

3.0

3.0

Customer Service

2.0

2.0

Likelihood to Recommend

9/10

August 29, 2025

Amazing best service around. Customer support could be better. I don’t use the cloud banking services

Pros

I loved the ability to print checks, have virtual cards issued and even have checks mailed. Best thing around

Cons

The costs. I didn’t like that for most of the features you have to pay for them with other providers you get that all included

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

Response from Vendor

October 4, 2025

Thank you for your review! We’re glad that you enjoy our features like check printing, virtual cards, and mailing checks. We appreciate your feedback on costs and customer support and we will continue working hard to provide the best value and service.

JC

Joan C.

Operations Manager

Financial Services

### "Check Writer is a MUST!"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

April 2, 2025

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

Pros

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

Cons

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

Switched from

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)

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

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 4, 2025

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

CB

carolyn b.

Ceo

Broadcast Media

### "Online check writer"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

6/10

April 1, 2025

I think the app is very detailed and easy to use

Pros

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

Cons

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

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

Response from Vendor

October 4, 2025

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

AU

Anonymous User

Customer Service Officer

Airlines/Aviation

### "Multiple choices to transfer money."

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

4.0

4.0

Customer Service

4.0

4.0

Likelihood to Recommend

8/10

February 1, 2025

Pros

Gives me more options to make and receive payments.

Cons

none observed as of yet, still getting to grips with the software.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

February 14, 2025

Thank you for sharing your experience! We're glad you value the multiple payment options ZilMoney provides. If you need any assistance while getting familiar with the platform, we're here to help!

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

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