OnlineCheckWriter.com

OnlineCheckWriter.com is a web-based payment and check-writing platform for small and medium businesses. It supports printing and mailing checks, eChecks, ACH, wire transfers, invoices and payment links. Users can create checks at home or at an office with any printer; the service also lists MICR printing, blank-check support, direct accounting imports and customizable layouts. Check mailing is offered for $1.25 through USPS or FedEx, including postage and paper charges. Payroll checks can be generated and sent electronically by email or SMS. Role-based access and an approval process are available for accountants or clients. Listed integrations include QuickBooks, Xero, Zapier, Zoho Books, Zoho Payroll and Bill.com. Developer tools include an API and white-label option. The platform lists web, Android, iOS and API availability. Its plan is $5 a month for check printing and mailing, and a 15-day trial is offered. A free plan is also indicated. The company says it is a financial technology company, not a bank; banking and money movement services come from partner financial institutions and licensed service providers.

OnlineCheckWriter.com combines check production with several electronic payment methods and accounting integrations. Its listed plan is $5 a month, with check mailing priced separately at $1.25.

It is aimed at small and medium businesses that need check printing or electronic payment options. The approval tools may also suit accountants or clients sharing payment workflows.

OnlineCheckWriter.com is a cloud service for printing checks and managing electronic business payments. It suits small and medium businesses that want payroll, approvals, and accounting connections around the same payment workflow. The broad feature set is most useful when checks are only one part of the job; occasional check printers may find it more than they need.

Overview

The service brings checks, eChecks, ACH, wire transfers, invoices, and payment links into one platform. Businesses can print checks in the office or at home with any printer, use blank checks with MICR printing, customize layouts, and import accounting data directly. That combination can replace several disconnected steps, especially for teams already moving payment information between accounting and payroll systems.

OnlineCheckWriter.com is a financial technology company rather than a bank. Banking and money-movement services come through partner financial institutions and licensed service providers, an important distinction for businesses evaluating where funds are held and transferred.

Key features

Checks and delivery

Blank-check support, MICR printing, direct accounting import, and customizable layouts cover standard business check production without requiring specialized office hardware. A mailing service sends checks through USPS or FedEx for $1.25 each, including postage and paper. That saves staff from preparing envelopes, but frequent mailings create a variable expense beyond the subscription.

Payments, payroll, and approvals

eChecks, ACH, wire transfers, invoices, and payment links give finance teams alternatives when a paper check is unnecessary. Payroll checks can be generated and sent electronically by email or SMS, which is useful for distributed payroll workflows. Role-based access and an approval process let accountants or clients participate without giving every user identical control.

Integrations and developer access

Integration categories cover accounting, CRM, finance, other, and payroll tools. Named connections include QuickBooks, Xero, Zapier, Zoho Books, Zoho Payroll, and Bill.com. A developer-friendly API and white-label solution make the service more plausible for software providers or organizations embedding payment workflows rather than simply using a standalone web app.

Security and support

The maker states that the service is PCI DSS compliant and has completed SOC 1 and SOC 2 Type I and Type II examinations. SOC 2 is described as covering all Zil Money services and platforms, while PCI DSS applies to payment processing and card transaction services. A free product demo with a product expert and phone support at (408) 775-7720 provide direct help during evaluation.

Pricing

Online Check Writer - Cloud Based Platform

The plan costs $5 a month and includes check printing software plus check printing and mailing. A 15-day trial and a free plan lower the barrier to trying the workflow, although the paid plan is the option for ongoing use. Mailed checks still cost $1.25 each through USPS or FedEx, so organizations with substantial postal volume should budget for usage separately. The plan is a sensible fit for a small business needing a low-cost web subscription and several payment methods; it is less compelling for a buyer seeking only occasional paper checks.

Platforms

OnlineCheckWriter.com is delivered on the web and also supports Android, iOS, and an API. The web delivery suits office finance work, mobile apps extend access away from a desk, and the API addresses integrated or embedded workflows.

Who it's for

Small and medium businesses are the clearest audience, particularly those combining check runs with payroll, approvals, accounting imports, or electronic payments. Accountants and client-facing teams benefit from role-based permissions. Developers and software providers may value the API and white-label option. A business that only prints a handful of checks and has no need for other payment channels should compare simpler tools first.

Pros and cons

Pros

• Combines paper checks with eChecks, ACH, wires, invoices, and payment links.
• Supports blank checks, MICR printing, customizable layouts, and direct accounting import.
• Offers role-based approvals, named integrations, mobile apps, and an API.
• Provides a 15-day trial and free plan for evaluation.

Cons

• Each mailed check adds a $1.25 fulfillment charge on top of the monthly plan.
• The broad payment and approval toolkit may exceed the needs of occasional check printers.
• Banking and money movement rely on partner institutions and licensed providers rather than the company being a bank.

Alternatives

CHECKPRINT is a better starting point for users who want a freemium service with Android, iOS, and web access, including a free tier with one bank account and unlimited checks, though its PDFs carry a watermark and are stored for 30 days.

Zil Money fits businesses that prefer a free tier with limited monthly transactions or a Business and Enterprise structure offering unlimited transactions.

TROY AssurePay Check is aimed at medium-to-large businesses seeking a quote-based plan across desktop and mobile platforms.

VersaCheck suits buyers wanting desktop coverage and a defined per-user subscription, starting at $14.98 a month for Silver.

Checkrun is a choice for teams that need unlimited users and up to 10 bank accounts on a $50 a month Business subscription.

CheckWriter offers a lower single-user cloud entry price of $8 a month for buyers who do not need a free plan.

Cheqaat is a Windows-only option with a 30-day free trial and unlimited cheque printing.

ChequeMaster is a Windows alternative with a free personal, non-commercial plan and limits on payees and vouchers.

For a wider comparison, see Check Printing Software.

Verdict

Choose OnlineCheckWriter.com if your business wants inexpensive web-based check production alongside electronic payments, payroll delivery, approvals, and accounting integrations. Look elsewhere if you only need occasional checks, want to avoid per-check mailing fees, or require a platform whose banking services are provided directly rather than through partners.