Online Check Writer Review
Online Check Writer is an all-in-one cloud-based payment processing software serving more than 250K+ small to medium scale businesses. It is widely recognizable and offers access to more than 22K+ banking institutions. The Online Check Writer offers a completely secure environment with vast integration options. The All-in-one mobile app enables you to access the platform on the move. As for pricing, they offer a pay-as-you-go option along with a standard monthly payment option. Feature-wise, you get access to Accounts Payable and Accounts Receivable features. They also offer a good collection of Utilities.
Starting from: $8.25/ month
Pricing Model: Subscription
Yes, has free trial
Yes, has free version
- Easy to use
- Good documentation
- Excellent user interface
- Supports a wide array of payment options
- Has a learning curve
- Slow response when loaded with data
- Small business
- Medium business
- Large enterprises
- Cloud, SaaS, Web-Based
- Desktop - Mac
- Desktop - Windows
- Desktop - Linux
- Mobile - Android
- Mobile - iPhone
- Mobile - iPad
Online Check Writer – payment processing software
Are you looking for a payment processing and management solution to keep all your records in one place? If you do, meet OnlineCheckWriter – an all-in-one payment platform that focuses on solving small to medium scale businesses(SMEs).
Under the hood, OnlineCheckWriter.com offers exciting features, including support for a wide range of payment solutions. It also offers support for more than 22K+ banking institutions and the ability to create a free Zil Business account for its new users. In addition, it offers excellent integration options that provide great online payment processing and bookkeeping options.
With 250K plus customers, Online Check Writer? (OCW) serves a large customer base. They are also growing strong monthly by adding around 10K new customers. Their journey started 15 years ago. With plenty of experience in different sectors, they knew the problems small and medium scale businesses face regarding payments. And that’s where Online Check Writer came into existence.
In 2021, they processed 10B+ payments through their platform. In partnerships, they have a strong 22K+ banking institutions access and 250K+ integrations.
Let’s explore more in our Online Check Writer review.
What is Online Check Writer?
Online Check Writer is a payment solution provider that offers payment and account-related services to small and medium scale businesses. It supports various payment solutions, including Credit, ACH, Check, Debit, Wire, and Wallet-to-Wallet. For businesses, this means access to seamless solutions and the ability to keep records with complete control and visibility.
The all-in-one approach automates the different payment processes and gives complete to small businesses as they can focus on more creative business aspects that help them grow.
As a business, you get everything under one hood. So, for example, you get to connect your bank directly from the platform through a secure military-grade connection. Right now, Online Check Writer supports more than 22,000 banking institutions.
Additionally, using cloud storage means accessing your records anytime without accessing a particular terminal or software. Online Check Writer incentivizes the business owner by letting them open a free Zil business checking account where the user can earn up to 1.5% cashback on their transactions done through the Zil Visa card.
The Online Check Writer is smartly divided into Accounts Payable and Accounts Receivable features, letting you quickly know what it offers. We will discuss this in the next Online Check Writer features section.
You also access some useful utilities and integrations with popular solutions, including Gusto, QuickBooks, Zapier, Zoho, and others.
They recently launched a new beta version which offers better and improved user interface interaction with easy and quick navigation. You can opt between the beta version or the classic version and see which one fits your needs.
Online Check Writer login
To get started with Online Check Writer, you need to create an account with them. It offers free registration for users, and you need to provide the following information to get started.
- Work email
- Phone(not compulsory)
However, the free account is not free forever. Once you register, you get access to 15 days of the trial, where you get access to all of its features, including bank accounts, users/employees, and unlimited checks. Also, you do not need to provide any credit card information or any payment to access the trial.
After you hit the register button, you are instantly redirected to the backend, where it will prompt you to go through the free 30-minutes demo. You need to go through their home page if you login later.
From there, you are free to explore Online Check Writer. However, it is advisable to start by adding your bank account.
Are you curious about what other features Online Check Writer has to offer? Then, keep reading.
Is Online Check Writer legit?
Online Check Writer is completely legit. They have been in business for 15 long years and currently serve more than 250K plus customers. Moreover, they also have experience in different sectors, including real estate to retail, giving them the necessary knowledge to provide service to SMEs.
Currently, they have processed more than $10 billion+ with 22K+ partnerships and 250K+ integration.
Online Check Writer Features
Online Check Writer is a feature-rich solution that offers wide variety o features categorized in Accounts Payable, Accounts Receivable, Utilities and Integration. In this section, we will go through its key features. Let’s get started.
Beta and Classic Version
Online Check Writer is constantly improving on features and user experience. They now offer a beta version to improve how users interact and navigate the system. However, you are free to use their classic version — which offers a simpler experience when using their solution.
The Beta version looks like the below.
And the classic version looks like this:
As you can see, there is a clear difference between these two versions, and you can quickly change them from the top menu. On the other hand, Online Check Writer encourages users to move to the new beta app as they will change the platform to the new beta design sooner or later.
Intuitive User Interface(UI) and User Experience(UX)
Online Check Writer comes with an intuitive user interface for its users. Their classic version is clean with a clear overview of what’s happening with your payments, including showing key information such as the number of checks created, the total amount paid, top payees, list of all checks, bank account number, and so on. The menu is also kept at the top with important information and navigational options accessible.
The Beta version improves the user experience with easy navigation by moving it to the left-hand side of the screen. In addition, the center stage is now taken by Check List.
Overall, Online Check Writer offers an excellent user interface and experience through its classic and beta versions.
All-in-one Mobile App
Online Check Writer is available on iPad, iPhone, and Android phones to provide seamless access. You can download the respective mobile app from Google PlayStore or IOS App store. The mobile app is optimized for performance, and you can do your tasks directly from it with just a few taps.
No transaction Fees
You can work with different types of payments, including Direct Deposit, ACH, Paperless Digital Checks, RTP, eChecks, and much more! And, you can use them without the need to pay any transaction fees. You can easily print clients’ checks or send printable checks to the secure payee by using the software. If you want to outsource checks, you need to pay a nominal fee of just $1. Additionally, you get seamless bank integration that lets you keep up with the demands and work flawlessly without leaving your desk.
Automated Clearing House(ACH) For Free
Online Check Writer offers ACH for free. However, to benefit from the scheme, you need to connect with them and get ACH Approval.
Accounts Payable Features
The following features are Accounts Payable features. These features let you make payments to your employees, business partners, and payees and use different methods and processes. Let’s explore them below.
One of the core Online Check Writer features is Check printing. It lets you keep on top of your check demands. Thus, you can instantly print checks using the Check 21 Act, enabling any printer to print checks on-demand. Moreover, all you need to do as a business is get the required papers and print checks using the Online Check Writer software.
The check-printing software is cloud-based, so that you can use it from anywhere you want. Additionally, you are free to add as many bank accounts as possible and select the back account during check printing. Apart from that, Online Check Writer also supports eChecks along with printable checks — giving you the flexibility to take your accounting completely online.
As an employer, you can also work with payroll checks and set up the employee’s database to print checks for employees with a single click.
The Email Check feature lets businesses securely check payments without worrying about leaks. Hence, you can create checks instantly and email them to the payee — which they can print using the blank stock papers. Moreover, to ensure that the email only reaches the intended payee, tracking is provided to ensure that it does!
At the same time, the Online Check Writer email check is very useful for faster payments as it is completely secure and works through email. All the payees need is blank stock paper, and they will get their checks in their hands.
With Digital Checks support, you can use Online Check Writer to instantly clear on-demand payee payments through the internet. Like the paper check, you get to create the digital check through the different options available in the software. Once done, you can send the digital checks. You also get to work with other forms of payments, including Direct Deposits, RTP, printable checks, eChecks, ACH, etc. Also, you do not have to pay any transaction fees to use them.
Online Check Writer lets you design your checks where you can change different aspects of it, including the logo. Also, you save precious money as you do not print paper checks.
Check Mailing Services
Furthermore, Online Check Writer is one of the few service providers that offer Check Mailing Services through USPS for just $1. This is beneficial for businesses that want absolute trust and want to provide safety for each transaction. Hence, the Checks by Mail are taken care of by OnlineCheckWriter as they label and post them within the same business day.
With OCW, you can pay bills directly using eChecks, pay deposits, checks by mail, and printable checks. The plethora of options improves how you deal with payments. Also, most of these payment systems are instant, giving your business and Payee the option to close deals faster.
You also need to take care of your employee’s payroll checks as a business. Also, you do not have to leave the platform to automate payroll checks using Online Check Writer. You need to create a new group of employees, add the bank details from which you want to pay, and then print payroll checks on the blank stock papers. You are also free to send the payroll checks through email or SMS.
Make Payments From Credit Cards
You are in complete control of how you do payments with Online Check Writer. You can choose to pay through credit cards. It also supports cards that are not supported by transferring funds to the ACH wallet and then using it to pay bills with no transaction fees.
Accounts Receivable Features
Like you can send payments to others, you can also receive payments. In this section, we will take a look at those features.
Online Check Writer lets you receive payments without any delays. You can receive checks and also do corresponding payments quickly. The whole process is fast with no transaction fees. Also, you get a safe environment to receive payments.
Invoicing is an integral part of Online Check Writer. As you work with different entities, you need to create invoices for customers. Thus, Online Check Writer lets you do just that, and you can send the invoices through SMS or email. Moreover, the client can pay your invoices instantly, and your dashboard gets updated with all the transaction information. Also, the clients can choose to pay through mail or use an OCW account if they have one. The payments can also be done through RTP, ACH, Bit Pay, PayPal, checks, and cards.
Likewise, the Check Draft feature lets you instantly carry out checks on the drafts. You can also use it on remotely created check print. These are very useful for receiving payments as they can verify the checks instantly through the software. Moreover, you can also set up a recurring bank draft to receive payments regularly with no associated fees.
Get Paid by Form
Moreover, Online Check Writer lets you set up payments through forms. This means you can get payments from HTML forms. The forms, in turn, can be set up to work with different payment methods, including PayPal, BitPay, and Stripe. Also, you are free to receive different types of payments, including rents, donations, and other types of payments. The process to get paid by form is as below:
- Create a custom link or generate the link automatically
- Put the link to your website or send it to the payer
- Get paid through card, check, or PayPal.
Online Check Writer also comes with some very useful utilities. These utilities include:
- ACH Wallet
- Cash Expense
- Central Report
- Bank Management
- Deposit Slip
- Positive Pay
- User access
As for integration, Online Check Writer offers a basic integration option for third-party applications. Currently, it supports the following integrations:
- QuickBooks Desktop
- Zoho Book
- Zoho Payroll
- QuickBooks Payroll(Unofficial)
- QuickBooks Online
- Create Check from PDF
Online Check Writer Pricing
Online Check Writer offers two pricing types: Pay-as-you-go and monthly/annual pricing. They also have different pricing plans for Enterprises.
As for pay-as-you-go, you need to pay $1 per transaction. There are no other restrictions, and you can do unlimited checks. But, here, you only get access to 1 bank account. In the Monthly Plan, you get two options, including:
Pay as You Go
Initial Recharge $30
- 1 Bank Account
- 1 user
- ACH/Direct Deposit
- Domestic & International Wire
- Cloud Bank & Fund Transfers
- Custom Physical & Virtual Cards
- Bill & Invoice
- Receive Payment
- Payment Link
- Deposit Slip
- Third Party Integration
- Access to Addons
- Transaction Fee $1/ trans.
Billed Annually $99
- Everything in Pay as You Go plus:
- 2 Bank Account
- 2 Users
- ACH/Direct Deposit
- All Premium Features
- Access to Addons
- Transaction Fee $0,50/ trans.
Billed Annually $299
- 3 Bank Account
- 3 Users
- ACH/Direct Deposit
- Premium Templates
- All Premium Features
- Access to Addons
- Transaction Fee $0.30/ trans.
- All Premium Features
- Own Emailing Server
- Custom Email Template Builder
- 24x7 Instant Dedicated Support
- Faster ACH Procesing
- White Labeling
- User Approval Policy
- Enterprise Security Features
- Advanced Fraud Prevention
- Access to API
- Custom Requirements
See all Features
Alternatives to Online Check Writer
Online Check Writer is almost a flawless payment solutions software that provides excellent features for business to handle their payments via checks. However, it may not be a good pick for every business. So, what are your options? That’s where the Online Check Writer alternatives come in. Let’s list them below.
- QuickBooks Online Advanced
Online Check Writer Review Conclusions
For businesses, it is all about automating and streamlining their payments to focus on growing their business. Online Check Writer is a perfect companion that offers excellent check management and labels itself as one of the best check printing software. In addition, it is cloud-based and supports a wide variety of payment options that you can use to pay your payees and receive payments from your customers. Furthermore, the payroll system support makes it easy for companies to fulfill their need to manage payroll checks.
Currently, they support more than 22K+ banking institutions, giving you plenty of options when working with your online banking.
As for upgrades, Online Check Writer is not shy away from improving its software. At the time of writing, they are changing to a new interface that offers a better user experience.
Overall, OnlineCheckWriter is a great pick if you work a lot with checks and want to automate your payroll system.
Is Online Check Writer safe?
Yes, Online Check Writer is safe! It provides all means to write checks securely and send them digitally or through email. Moreover, it offers a secure connection to your bank accounts using military-grade encryption and connection. If you want the best possible security, you can use Check Mailing Services performed through USPS for just $1. Overall, Online Check Writer is secure and safe, and Trustpilot 4.8 score tells you just that.