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OnlineCheckWriter.com

onlinecheckwriter.com

From $5/mo Free plan WebiOSAndroidAPIBrowser extension
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Spec score 8.9 #2 of 28 in Check Printing Software

What it is

OnlineCheckWriter.com is a cloud-based platform for check writing and business payments. It supports printing checks at home or in an office with any printer, as well as mailing checks, eChecks, ACH, wire transfers, invoices, and payment links. Its check-mailing service is listed at $1.25 through USPS or FedEx, including postage and paper charges. The service also supports MICR printing, blank checks, direct accounting imports, and customizable layouts. Businesses can generate payroll checks and send them by email or SMS. Role-based access and approval workflows are available for accountants or clients, and listed integrations include QuickBooks, Xero, Zapier, Zoho Books, Zoho Payroll, and Bill.com. Developer options include an API and white-label solution. It lists web, Android, iOS, and API availability. The cloud platform plan is $5 a month, and a 15-day trial and free plan are listed. The company says it is a financial technology company, not a bank; banking and money movement are provided through partner institutions and licensed providers.

Spec sheet

What it does
OnlineCheckWriter is a cloud platform for printing, emailing and mailing checks and for ACH, wire, wallet and other business payments.Read 15 Oct 2026 · onlinecheckwriter.com
Intended users
The check-printing page describes the platform as a tool for small and medium businesses.Read 8 Oct 2026 · onlinecheckwriter.com
Integrations
The integration page lists accounting, CRM, finance, other, and payroll categories, and names QuickBooks, Xero, Zapier, Zoho Books, Zoho Payroll, and Bill.com.Read 8 Oct 2026 · onlinecheckwriter.com
Security
The trust page states that the service is PCI DSS compliant and that SOC 1 and SOC 2 Type I and Type II examinations have been completed.Read 8 Oct 2026 · onlinecheckwriter.com
Support
The company advertises live support, a knowledge base, API documentation, phone support and email support.Read 15 Oct 2026 · onlinecheckwriter.com
Headquarters
San Jose, California, United StatesRead 23 Sep 2026 · onlinecheckwriter.com
Accounting integrations
Listed integrations include QuickBooks Online and Desktop, Xero, Zoho Books, Sage Intacct, NetSuite, FreshBooks, ADP and Gusto.Read 15 Oct 2026 · onlinecheckwriter.com
API authentication
API requests use Bearer tokens with JSON headers and separate sandbox and production base URLs.Read 15 Oct 2026 · support.onlinecheckwriter.com
API capabilities
API V3 documentation covers bank accounts, checks, mailed and emailed checks, ACH, wires, cloud banking, payment links, payees, reports and crypto wallets.Read 15 Oct 2026 · support.onlinecheckwriter.com
API enablement
Production API access must be enabled by support; keys are obtained from the account Developer Panel.Read 15 Oct 2026 · support.onlinecheckwriter.com
API webhooks
Webhook URLs and secret keys are configured in the Developer Panel for sandbox or production.Read 15 Oct 2026 · support.onlinecheckwriter.com
Approvals
Role-based user access and an approval process are offered for accountants or clients.Read 8 Oct 2026 · onlinecheckwriter.com
Approvals and roles
Teams can use role-based permissions, approval requirements, custom limits, IP restrictions and audit trails.Read 15 Oct 2026 · onlinecheckwriter.com
Batch checks
Payments can be imported from CSV or accounting software and printed as a batch.Read 15 Oct 2026 · onlinecheckwriter.com
Blank-stock printing
Users can design MICR checks and print them on blank stock with a standard printer.Read 15 Oct 2026 · onlinecheckwriter.com
Check mailing
The service can print, stuff and mail checks through USPS or FedEx, with tracking and multiple delivery speeds.Read 15 Oct 2026 · onlinecheckwriter.com
Check printing
Users can create and print checks at home or at the office with any printer.Read 8 Oct 2026 · onlinecheckwriter.com
Company founding and headquarters
LinkedIn states that OnlineCheckWriter.com was founded in 2018 and is headquartered in San Jose, California.Read 15 Oct 2026 · linkedin.com
Company size
LinkedIn lists the company as privately held with 51–200 employees.Read 15 Oct 2026 · linkedin.com
Compliance scope
The maker says SOC 2 applies to all Zil Money services and platforms, while PCI DSS applies to its payment processing and card transaction services.Read 8 Oct 2026 · onlinecheckwriter.com
Developer tools
The check-printing page describes a developer-friendly API and a white-label solution.Read 8 Oct 2026 · onlinecheckwriter.com
Documentation depth
The developer guide is labeled API V3, documentation version 1.0, and includes endpoint examples, dependency ordering and JavaScript and cURL samples.Read 15 Oct 2026 · support.onlinecheckwriter.com
Encryption claim
The FAQ says data in transit uses HTTPS with RSA-2048/SHA-256 and stored data uses AES-256 encryption.Read 15 Oct 2026 · onlinecheckwriter.com
Financial services
The site says OnlineCheckWriter.com is a financial technology company, not a bank, and that banking and money movement services are provided through partner financial institutions and licensed service providers.Read 8 Oct 2026 · onlinecheckwriter.com
Licence
AlternativeTo categorizes Online Check Writer as proprietary commercial software.Read 15 Oct 2026 · alternativeto.net
Limit: approval and onboarding
A G2 reviewer reported an application rejection by automated review with no recourse.Read 15 Oct 2026 · g2.com
Limit: mobile stability
A Capterra reviewer reported Android crashes during check creation that forced restarting the process.Read 15 Oct 2026 · capterra.com
Limit: support and account issues
Trustpilot reviews include complaints about KYC/KYB denial, delayed responses and money being stuck after account or email problems.Read 15 Oct 2026 · trustpilot.com
Notable news: UI release
The company announced version 3.5 with redesigned navigation, faster loading and responsive laptop, tablet and desktop layouts on November 29, 2023.Read 15 Oct 2026 · onlinecheckwriter.com
Owner and founder
Crunchbase identifies Sabeer Nelliparamban as the founder and describes Online Check Writer as powered by Zil Money.Read 15 Oct 2026 · crunchbase.com
Payment methods
The product supports printable checks, eChecks, mailed checks, ACH, direct deposit, domestic and international wires, wallet transfers and credit or debit payments.Read 15 Oct 2026 · onlinecheckwriter.com
Payments
The cloud-based platform supports printing and mailing checks, eChecks, ACH, wire transfers, invoices, and payment links.Read 8 Oct 2026 · onlinecheckwriter.com
Payroll
The site says users can generate payroll checks and send them electronically by email or SMS.Read 8 Oct 2026 · onlinecheckwriter.com
Positive Pay
Positive Pay compares issued checks with the bank register and flags mismatches before clearing.Read 15 Oct 2026 · onlinecheckwriter.com
Praise: ease of use
G2 reviewers repeatedly describe the product as easy, intuitive and convenient for writing checks quickly.Read 15 Oct 2026 · g2.com
Praise: payment flexibility
Software Advice reviewers praise sending payments from any device and emailing payments quickly.Read 15 Oct 2026 · softwareadvice.com
Rating on Apple App Store
2.8 out of 5 from 43 ratingsRead 15 Oct 2026 · apps.apple.com
Rating on Capterra
4.5 out of 5 from 255 reviewsRead 15 Oct 2026 · capterra.com
Rating on Chrome Web Store
4.9 out of 5 from 378 ratingsRead 15 Oct 2026 · chromewebstore.google.com
Rating on G2
4.2 out of 5 from 36 reviewsRead 15 Oct 2026 · g2.com
Rating on GetApp
4.5 out of 5 from 255 reviewsRead 15 Oct 2026 · getapp.com
Rating on Google Play
4.4 out of 5 from 308 reviewsRead 15 Oct 2026 · play.google.com
Rating on Software Advice
4.5 out of 5 from 243 reviewsRead 15 Oct 2026 · softwareadvice.com
Rating on Trustpilot
3.6 out of 5 from 1,618 reviewsRead 15 Oct 2026 · trustpilot.com
Security claims
Official pages display PCI DSS, SOC 1, SOC 2, ISO 27001, ISO 20000, ISO 9001, CCPA, NIST 800-53, GDPR and HIPAA badges.Read 15 Oct 2026 · onlinecheckwriter.com
System requirements
The Chrome extension requires an active OnlineCheckWriter account, Google Chrome and an internet connection.Read 15 Oct 2026 · chromewebstore.google.com
Zapier integration
Zapier can trigger OnlineCheckWriter actions such as creating a check from another app's form or spreadsheet event.Read 15 Oct 2026 · onlinecheckwriter.com

Plans and prices

Pay as You Go Free No monthly fee; minimum recharge $30 Unlimited bank accounts · Unlimited users · ACH/direct deposit · Domestic/international wire · Cloud bank transfers · API · Check print 1%, max $1 · Email check $0.99 · ACH 1%, max $5 Read 15 Oct 2026 · support.onlinecheckwriter.com
Online Check Writer - Cloud Based Platform $5 a month Check printing software; check printing and mailing Read 8 Oct 2026 · onlinecheckwriter.com
Business $49.99 a month Monthly 50 free credits monthly · Unlimited bank accounts · Unlimited users · ACH/direct deposit · Domestic/international wire · Cloud bank transfers · API · Check print 0.69%, max $1 · Email check $0.99 · ACH 0.69%, max $5 Read 15 Oct 2026 · support.onlinecheckwriter.com
Premium $499.99 a month Monthly 500 free credits monthly · Unlimited bank accounts · Unlimited users · ACH/direct deposit · Domestic/international wire · Cloud bank transfers · API · Check print 0.19%, max $1 · Email check $0.99 · ACH 0.19%, max $5 · Positive Pay · Bank data · Manual ACH · Premium templates · Dedicated support Read 15 Oct 2026 · support.onlinecheckwriter.com
Enterprise Custom Priced on request Starting at $999/month 1,000 free credits monthly · Premium features · White labeling · SSO (SAML) · SCIM (Okta) · Dedicated server · Custom data retention · Advanced fraud prevention · Custom requirements Read 15 Oct 2026 · support.onlinecheckwriter.com

Every OnlineCheckWriter.com plan and price →

Strong points and limits

Strong points

  • Print checks with any printer
  • Supports ACH, wires, eChecks, and payment links
  • Direct accounting import and customizable layouts
  • Role-based access and approval process
  • Free plan and 15-day trial listed

Limits

  • Check mailing costs $1.25
  • Banking services come from partners, not the company

Who it suits

It suits small and medium businesses that need check production alongside electronic payments, invoicing, or payroll checks. Accounting teams may also value its approval process, direct imports, and listed integrations.

Verdict

OnlineCheckWriter.com combines check printing and mailing with several payment workflows and accounting-oriented tools. The listed plan costs $5 a month, alongside a free plan and 15-day trial.

Where Specifiction places it

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