CheckWriter vs OnlineCheckWriter.com

CheckWriter is a browser-based application for accepting check payments by phone, fax, or online and printing check drafts for deposit. The maker says printed drafts can be deposited at any U.S. bank and credited to the ledger balance the same day at full face value. Properly authorized recurring billing can follow daily, weekly, bi-weekly, quarterly, semi-annual, or annual cycles, and routing numbers are automatically verified. Listed tools include customer and transaction records, customizable fields, notes, printable invoices and reports, batch printing, and CSV export. It can import data from shopping carts, order forms, and text or CSV systems. A modifiable generic web form can be used with a secure server, shopping cart, or other payment form. The maker describes CheckWriter Cloud as PCI/DSS compliant, says it follows KYC and AML procedures and complies with Federal Reserve Regulation CC, EPC-6, and Check21, and advertises no transaction fees or discount rates for Cloud. The Cloud Single User Limited plan costs $8 a month. The Occasional Use plan costs $25 a year and lists four checks per month; its billing details also list a $29 one-time setup fee and $25 every six months.

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.