Online Check Writer
A B2B payables platform that keeps paper cheques, ACH and eChecks in one place — useful precisely because US vendors still ask for cheques.
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Our Verdict on Online Check Writer
Online Check Writer is a B2B payment-operations platform built around a problem most software pretends no longer exists: a large share of US vendors, landlords and contractors still want a paper cheque. It documents cheque printing on blank stock, cheques by mail, ACH transfers, eChecks, card-funded payments, bill pay, payroll cheques and invoicing from a single account, with connections to bank and accounting systems. The vendor publishes substantial scale figures — over a million users, more than $20bn processed and 22,000-plus bank connections — and those are the vendor's numbers, not findings TTML has verified. What the documentation supports is the shape of the product: a consolidated payables layer for a business that has to pay people several different ways in the same week.
Online Check Writer sits in the payments space and is best suited to us-based small businesses, property managers, bookkeepers and accounting practices issuing a mix of cheques and electronic payments each month.
Across our five rating lenses — ease of use, value, speed, accuracy and ROI — Online Check Writer scores 7.8/10. That places it in the top tier of tools we've tested this year, and it comfortably earns its spot in our recommended stack.
- Covers cheque printing, cheques by mail, ACH, eChecks and card-funded payments in one payables workflow
- Print-on-blank-stock cheque printing removes the need to order pre-printed bank stock
- Vendor documents bank and accounting connections, so payables can sit alongside existing books
- Payroll cheques, bill pay and invoicing are documented in the same account rather than bolted on
- Free entry tier documented, so the workflow can be evaluated before subscribing
- US-centric — cheque, ACH and bank-connection workflows do not translate to most non-US markets
- TTML has not tested delivery reliability, print alignment or ACH settlement timing
- Per-transaction fees on some rails mean the subscription price is not the whole cost
- It is a payables layer, not an accounting system — you still need books
- Vendor scale figures (1M+ users, $20B+ processed, 22,000+ bank connections) are vendor claims TTML cannot verify
Online Check Writer Pricing
Online Check Writer documents tiered subscription plans with per-transaction pricing on some payment rails, plus a free entry tier on its pricing page. Because plan structure and transaction fees change, confirm current pricing and limits on onlinecheckwriter.com before committing — TTML has not verified pricing independently.
Available — perfect for testing the product with no commitment.
Free + Paid Plans (Tiered subscription plans (see vendor pricing))
For most users, the mid-tier paid plan delivers the best balance of features and cost.
What Online Check Writer does well
Perfect for
The complete Online Check Writer review
Online Check Writer is a B2B payment-operations platform built around a problem most software pretends no longer exists: a large share of US vendors, landlords and contractors still want a paper cheque. It documents cheque printing on blank stock, cheques by mail, ACH transfers, eChecks, card-funded payments, bill pay, payroll cheques and invoicing from a single account, with connections to bank and accounting systems. The vendor publishes substantial scale figures — over a million users, more than $20bn processed and 22,000-plus bank connections — and those are the vendor's numbers, not findings TTML has verified. What the documentation supports is the shape of the product: a consolidated payables layer for a business that has to pay people several different ways in the same week.
Online Check Writer sits in the payments space and is best suited to us-based small businesses, property managers, bookkeepers and accounting practices issuing a mix of cheques and electronic payments each month.
Across our five rating lenses — ease of use, value, speed, accuracy and ROI — Online Check Writer scores 7.8/10. That places it in the top tier of tools we've tested this year, and it comfortably earns its spot in our recommended stack.
In short — Online Check Writer earns its 7.8/10 rating. It's a tool we happily recommend to us-based small businesses, property managers, bookkeepers and accounting practices issuing a mix of cheques and electronic payments each month., and one we return to ourselves. Read the pros and cons above, click through and try the free plan, and make your own call on real work.
Frequently asked questions
For anyone working on us small businesses and bookkeepers who still have to issue paper cheques alongside ach and want one payables workflow instead of three., Online Check Writer pays for itself quickly. It combines strong output quality with a workflow that respects your time, which is why it earned a spot in our recommended tools.
Compare Online Check Writer with alternatives
We're preparing detailed comparisons with Bill, Melio, QuickBooks, Wise and other tools in this category. In the meantime, you can explore the closest reviewed alternatives below.
We haven't published a Online Check Writer head-to-head yet, but these published comparisons cover the alternatives on its shortlist.
These are individual reviews — not direct comparisons with Online Check Writer.
The AP/AR automation standard for US SMBs and accounting firms.
Free bill pay for US small businesses — pay by card, get paid by ACH.
The default cloud accounting platform for small businesses, now with AI-assisted books.
US accounting, bookkeeping and business tax service delivered by accountants, CPAs and enrolled agents through an online platform.
The Online Check Writer knowledge graph
Every page connected to Online Check Writer — comparisons, shortlists, alternatives and the wider Payments pillar. Follow any thread to keep learning.
Related Payments Tools
Explore similar tools, alternatives and comparisons before you decide.
Stripe
The developer-first payments platform: card acquiring, subscriptions, invoicing and marketplace payouts behind one API.
Adyen
Single-platform payments for scale: direct acquiring, local payment methods and unified online plus in-store commerce.
Square
Commerce infrastructure that starts at the counter: till software, first-party hardware and one catalogue across channels.
PayPal
A payments network with a consumer wallet in front of it — chosen for buyer recognition rather than developer experience.
Payoneer
Cross-border receiving accounts for freelancers, sellers and contractors paid by overseas clients.
Braintree
PayPal's developer-focused payments platform. Best when you specifically need the PayPal wallet at checkout.
Where Online Check Writer ranks
Online Check Writer appears in 2 of our curated shortlists — each one ranks it against the direct alternatives for a specific use case.
Keep the Online Check Writer research going
How we work
Every tool is used on real projects before we score it — no press-release rewrites.
Five lenses: ease of use, value, speed, accuracy, ROI. Averaged, not cherry-picked.
Some links pay us a commission at no cost to you. They never change our scores.
Editorial rankings are separate from partnership status. See our editorial policy.
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How to read our scores
This score includes direct product evaluation alongside our editorial research.
Calculated using product documentation, pricing analysis, interface review, verified customer reviews and independent evidence. A full long-term hands-on evaluation has not yet been completed.
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