What Online Check Writer does

Online Check Writer is a US-based fintech SaaS operated by Zil Money Corporation that provides businesses with electronic and physical check writing, ACH transfers, payment links, payroll, and bill payment tools. The platform integrates with 22,000+ US financial institutions and connects to major accounting and payroll systems including QuickBooks, Xero, Zoho Books, Gusto, Wave, and Sage, and supports pay-by-credit-card, same-day ACH, and (via Ripple Payments Direct) cross-border payments. According to the company's own materials, more than 1 million business accounts use the platform, $88B+ in transaction volume has been processed, and 16M+ checks (including 20M+ digital checks) have been written; the company holds PCI-DSS, SOC 1 & 2, ISO 27001, HIPAA, and NIST 800-53 certifications and is a member of the NACHA Alliance Program.

The product surface spans printed and mailed checks, eChecks, ACH origination, payment links, payroll card funding, vendor payments, and a white-label/embedded platform for partners, plus a Group SMS adjacency product. The business model combines low-friction subscription tiers (starting at $5/month) with usage-based transaction fees — $0.25 per ACH transaction, $1.25 per check mailed, and a digital-check plan starting at $30/month — plus revenue from white-label/embedded partner deployments. CEO and founder Sabeer Nelli leads the company, which is headquartered in San Jose, California, with an additional Tyler, Texas office and 101–250 employees.

The company is privately held, has raised approximately $2.7M in disclosed funding across 2018–2019 (the largest round being $1.5M from Hashim Family Investments Limited in October 2019), and carries a 4.6/5 rating across 10,164 Capterra reviews. QuickBooks Silver Tier partner status was achieved in 2025.

Name

Online Check Writer

Legal name

Zil Money Corporation

Website

https://onlinecheckwriter.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Online Check Writer (Zil Money Corporation) is a US fintech SaaS that provides SMBs with check writing, ACH, payment links, payroll, and bill pay tools, integrated with 22,000+ banks and major accounting platforms, serving 1M+ business accounts.

Ownership category

akta.pro rank

Product category

Business Payments Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Dispute, Chargeback & Refund Automation (FSAGABAI), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

Keywords

• Check printing software
• Business payment platform
• ACH direct deposit
• Digital check delivery
• Accounts payable automation

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Monthly subscription plans: Recurring SaaS subscription priced from $5/month (entry tier) with higher tiers for advanced features; Zil Money transaction charges are outlined under every subscription plan and are auto-deducted from customer credit card or bank account.
2. Per-transaction payment processing fees: Per-transaction fees for ACH (as low as $0.25), wire transfers, virtual card transactions, and check mailing ($1.25 per check via USPS or FedEx); same-day ACH and other premium rails may carry additional fees.
3. Group SMS phone number rental: Recurring $2/month fee per phone number purchased for sending group SMS to clients; up to 2 numbers by default with extras available via customer support.
4. White-label and embedded partner fees: White-label, embedded, and partner-introduced customers operate under previously agreed fee arrangements such as flat fee or revenue share; partner is responsible for ACH chargebacks and card payment return disputes from their own customers.
5. Pay-by-credit-card payment service: Allows customers to pay vendors by credit card even when not accepted; cash-back rewards available on qualifying transactions, subject to program rules. Zero-fee claims apply to qualifying accounts with $10,000 minimum average wallet balance under the Wallet Deposit Policy.

Pricing tiers

Go-to-market motion6 records

Distribution channels6 records

Marketing channels8 records

Core offering

Online Check Writer (powered by Zil Money Corporation) is a cloud-based fintech SaaS platform that enables U.S. small and mid-sized businesses to print MICR-encoded checks on blank stock, send digital checks (eChecks) via email or SMS, initiate ACH/RTP and wire transfers, mail physical checks via USPS or FedEx, manage invoicing and bill payments, and integrate with 22,000+ U.S. banks. The platform operates as a single unified dashboard combining check printing, ACH, wire, virtual card, payment links, and positive pay fraud detection.

Product overview

Online Check Writer (powered by Zil Money, a Zil Money Corporation service) is a single unified cloud-based payments platform aimed at U.S. small and mid-sized businesses. The core OnlineCheckWriter.com platform combines a suite of interoperable modules — Check Printing, ACH/Direct Deposit (including Same Day ACH), Wire Transfer (domestic and international via Ripple Payments Direct), Check Mailing, Email Check / Digital Checks (eChecks), Payment Link, Virtual Card, Invoicing, Bill Payments, Mass/Bulk Payments, Check Draft, Deposit Slip, Digital Wallet, Positive Pay, User Access (User/Approver), Bank Data & Bank Reconciliation, Pay By Credit Card, Payroll by Credit Card, Email to Bill, Document Mailing, Shipping Label, and Group SMS — together with a Cloud Bank (online checking) account and an All-in-One Mobile App. The platform is exposed to developers and partners through the Online Check Writer Developer API and Virtual Card API, plus Enterprise / White Label and embedded-payments options that let partners rebrand or embed the same underlying modules (check, ACH, eCheck, payment link, virtual card, etc.). Banking services are provided through FDIC-insured partner banks (e.g., Texas National Bank), and payments are processed by third-party Payment Providers under Zil Money's Business Payments terms.

Differentiator

Problem solved

Functional benefit

Brands

• Zil Money: Parent platform brand under which Online Check Writer is operated; footer reads "OnlineCheckWriter.com – Powered by Zil Money" and the footer logo links to zilmoney.com.

Products and services

• OnlineCheckWriter.com Platform Cloud-based all-in-one payment platform that enables businesses to print checks, send eChecks, ACH/RTP transfers, wire transfers, mail checks, send payment links, and manage invoices from a single dashboard with low transaction fees.
• Digital Checks (eChecks by Email/SMS) Digital check service delivering checks as secure, one-time-use encrypted PDFs via email or SMS that payees can print on any standard printer and deposit at a bank, ATM, or via mobile deposit. Plans start at $30/month.
• ACH / Direct Deposit ACH and RTP payment rail for one-time or recurring bank-to-bank transfers, including Same Day ACH; supports payroll, vendor payments, and direct deposits via the NACHA-regulated network at $0.25 per transaction.
• Check Mailing (USPS / FedEx) Service that prints, folds, and mails physical checks via USPS or FedEx for $1.25 per check, including First-Class, Priority, Express, and Overnight options; integrates with bulk payment workflows.
• Enterprise / White Label Solution
• Developer API (Online Check Writer API) Developer-friendly API enabling custom workflows, automated check printing, and embedded payments, used for Build-Your-Way, White-Label, and Embed-On-Your-Site solutions with OAuth-based authentication.
• Virtual Card Single-use or recurring virtual cards for paying vendors who prefer card payments, enabling card acceptance even when vendors do not accept cards directly.
• Online Invoicing Software Online invoicing software for small businesses to create, customize, and send invoices by email or SMS with built-in payment links; integrates with QuickBooks, Xero, Zoho Books and tracks payment status in real time.
• Cloud Bank (Online Checking Account) Cloud-based online checking account offering that allows businesses to open an account within minutes with no hidden charges, supporting same-day ACH and wire transfers, with banking services provided by partner banks.
• Same Day ACH Feature addition to the ACH/RTP payment rails enabling same-business-day ACH transactions if submitted before 5 PM local time, available as part of the core platform.
• Group SMS Communication module enabling businesses to buy a phone number ($2/month), create contact groups of up to 500, send group SMS for offers and updates, allow clients to join groups by text, and read inbound messages in an inbox.
• Check Printing Drag-and-drop design tool that lets users create, customize, and print business checks on blank stock or plain white paper using any standard laser or inkjet printer, with MICR encoding for bank acceptance.
• Wire Transfer (Domestic and International) Electronic transfer service for same-day, high-value domestic payments plus cross-border international transfers (using Ripple Payments Direct / blockchain rails) with multi-currency support and live exchange rates.
• Payment Link Allows users to create and share HTML payment links to receive payments from clients via ACH, credit card, or check draft, accelerating accounts receivable collections.
• Virtual Card API API offering that enables partners and developers to issue virtual cards programmatically as part of embedded payments and white-label integrations.
• Document Mailing Prints and mails user-uploaded PDFs (invoices, contracts, letters) via USPS or FedEx with optional HIPAA-compliant secure processing, eliminating the need for printers, envelopes, or post office trips.
• Overnight Check Mailing Expedited next-day check delivery handled end-to-end by OnlineCheckWriter.com via FedEx for users needing time-sensitive payments without leaving their desk.
• Positive Pay Bank-grade fraud detection service that cross-checks issued check records with the issuing bank in real time and flags unauthorized or altered checks before they clear.
• Pay By Credit Card Enables paying vendors, suppliers, taxes, rent, and other bills by credit card even when cards are not accepted, with payee receiving payment by check, ACH, or wire, and cash-back rewards available on qualifying transactions.
• Payroll by Credit Card Allows businesses to fund payroll payments with a credit card, extending cash flow and earning card rewards, even when employees or contractors prefer other payout methods.
• Mass / Bulk Payments Bulk payment feature that processes large volumes of ACH, eChecks, and wire transfers, or prints/mails hundreds of checks at once via CSV upload or accounting software import.

Quantifiable outcome

• Save up to 80% on check printing costs vs pre-printed checks
• +4 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature10 records

Partnerships

21 partnerships are on record, tiered flagship, core and minor.

• QuickBooks (Intuit)flagshipTechnology or IntegrationNative integration with both QuickBooks Online (cloud API) and QuickBooks Desktop (software connector) supporting two-way sync of checks, bills, invoices, and payments. Uses secure OAuth for tokenized API access; achieved QuickBooks Silver Tier status.
• XeroflagshipTechnology or IntegrationDirect integration with Xero accounting software; users can import checks, bills, and invoices and pay them without manual entry; payment data syncs automatically.
• Zoho BooksflagshipTechnology or IntegrationNative integration with Zoho Books to sync invoices and payments automatically; highlighted as a primary accounting connector on the integrations menu.
• Zoho PayrollflagshipTechnology or IntegrationNative integration with Zoho Payroll; allows payroll runs and vendor payments to sync directly to Zoho Payroll records.
• GustoflagshipTechnology or IntegrationIntegration with Gusto payroll platform; lets users print Gusto payroll checks online on blank paper by importing payroll data without pre-printed stock.
• ZapiercoreTechnology or IntegrationIntegration with Zapier allowing OCW to connect with hundreds of third-party applications via automated workflows (Zaps).
• Bill.comflagshipTechnology or IntegrationIntegration with Bill.com to import payee and bill data; payments and statuses sync between platforms.
• FreshBookscoreTechnology or IntegrationNative FreshBooks integration for syncing invoices, bills, and payments; data flows automatically to reduce manual entry.
• SagecoreTechnology or IntegrationIntegration with Sage Business Cloud Accounting; users can import payees and pay them through OCW; transaction statuses sync back.
• WavecoreTechnology or IntegrationIntegration with Wave Accounting for syncing invoices, vendor payments, and reconciliation.
• ADPflagshipTechnology or IntegrationIntegration with ADP payroll; lets businesses connect payroll runs and pay employees or contractors via direct deposit from OCW.
• Square PayrollcoreTechnology or IntegrationIntegration with Square Payroll listed under dedicated integration page; syncs payroll data for direct deposit and check printing.
• OdoocoreTechnology or IntegrationIntegration with Odoo ERP listed on the integrations page for syncing payments and accounting data.
• Ripple (Ripple Payments Direct / RPD)flagshipTechnology or IntegrationZil Money / OCW uses Ripple Payments Direct for cross-border payments and international settlement, including blockchain-based settlement; sponsor-bank arrangements governed by RPD Sector Terms. Powers the platform's international payments rail and digital-asset settlement infrastructure.
• NACHA (National Automated Clearing House Association)flagshipStrategic or Co-development PartnerOfficial NACHA Alliance Program member; NACHA membership logo and link displayed on the homepage; OCW is described as an "official NACHA member" enabling secure ACH payments under industry regulations.
• USPS and FedExcoreOthersUSPS and FedEx used as secure carriers for Check Mailing service ($1.25/check). Standard First-Class mail arrives in 2–5 business days; Priority 1–3 days; FedEx/overnight for next-day delivery. OCW prints, seals, and mails checks on behalf of customers.
• TrustpilotminorGTM or Marketing PartnerTrustpilot review profile listed with badge on homepage for social proof and customer reviews.
• Capterra (Gartner)minorGTM or Marketing PartnerCapterra profile and reviews badge on homepage; also listed as a Capterra Recurring Billing Frontrunner.
• G2minorGTM or Marketing PartnerG2 review profile and badge displayed on homepage for online check writer reviews.
• SitejabberminorGTM or Marketing PartnerSitejabber reviews badge displayed on the homepage.
• SourceForgeminorGTM or Marketing PartnerSourceForge product review listing for Online Check Writer displayed via link on the homepage.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Routable: Direct competitor in AP automation and vendor payments via ACH, check, and wire for SMB and mid-market. Overlaps with OCW's bill payment, mass/bulk payment, and accounting integration strategy.
• Bill.com: Direct AP/AR automation competitor for U.S. SMBs and mid-market. Offers bill payment via ACH, check, virtual card, and wire, integrates with QuickBooks/Xero, and already has a bidirectional OCW integration — making it both a partner and the most direct competitive overlap in SMB payments.
• Melio: Direct SMB bill-pay peer offering pay-by-ACH and pay-by-card workflows integrated with QuickBooks and Xero. Competes head-to-head on the same SMB AP use case and pricing model (free for payers, fee on card rails).
• Check (formerly Checkhq): Direct competitor in digital/remote-check payments for SMBs and property managers. Closely comparable on digital check delivery, eChecks by email/SMS, and check drafting — overlapping with OCW's Digital Checks and Check Draft products.
• Tipalti: Direct peer in AP automation and global mass payments for mid-market and enterprises. Competes on ACH/wire/check payouts, supplier management, and ERP/accounting integrations — a step up-market from OCW's SMB focus but the same product category.

Broad incumbents

• Intuit QuickBooks Payments: Broad incumbent: payments is one product line inside Intuit's broader accounting/tax/payroll suite. Competes on bundled ACH, check, and card acceptance for QuickBooks-installed SMBs — the same segment OCW targets via its QuickBooks integration.
• Block (Square Banking and Square Payroll): Broad incumbent with Square checking, Square Payroll, and card/AP rails used by SMBs. Overlaps on SMB banking, payroll funding, and integrated payments, competing for the same end customer.

Emerging players

• Plaid: Adjacent infrastructure: bank-aggregation and account-connectivity layer that powers OCW-style 22,000+ bank integrations. Comparable on the bank-data and reconciliation capability, though Plaid operates as an enabling layer rather than a direct AP/check competitor.
• Modern Treasury: Emerging player in payment operations and bank-rail orchestration (ACH, RTP, wire, check). Comparable on bank-rail abstraction and developer-first API, though focused up-market on platforms rather than SMB end users.
• Relay Financial: Emerging SMB banking and bill-pay platform combining business checking, ACH, and integrated bill payment. Overlaps with OCW's Cloud Bank, ACH, and bill payment modules for the same SMB segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/webcheckwriter
• YouTubeyoutube.com/@onlinecheckwriter
• Facebookfacebook.com/onlinecheckwriting
• LinkedInlinkedin.com/company/online-check-writer
• Instagraminstagram.com/onlinecheckwriter
• Pinterestpinterest.com/onlinecheckwriter

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds5 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Online Check Writer