Online Check Writer review

Online Check Writer is cloud-based software for business payments and check printing. It lets businesses print checks themselves or send them by mail, and supports payments by ACH, RTP, wire transfer, eCheck, and credit card. The platform also includes invoicing, payment links, account management, and a mobile app.

That makes it broader than a check-printing tool: businesses can use it to pay vendors and collect payments in one service. The listed accounting sync is intended to simplify bookkeeping and taxes, though the published materials don’t name the supported platforms.

The Pay As You Go plan has no monthly fee, but it is not cost-free to use. The pricing page lists a $30 minimum recharge, then charges for checks and payment transactions. Enterprise pricing is custom, and the annual billing price is not published. The fit depends less on the headline monthly fee than on which payment methods and mailing options your business uses.

The main strength is payment choice. A business can print checks, mail them, send eChecks, or use ACH, RTP, and wire transfers rather than relying on one disbursement method. It can also collect payments through invoices and payment links, which puts outgoing and incoming payments in the same platform.

Other useful options include:

• Pay vendors by credit card, including vendors that do not accept cards directly.
• Sync with leading accounting platforms, according to the product information, to simplify bookkeeping and taxes.
• Use check mailing options beyond basic First Class, including tracked, Priority Mail, Express Mail, and FedEx Overnight.
• Add Positive Pay, a check-fraud control service, for $199.99 per account on Pay As You Go.

The entry plan’s $0 monthly fee may suit individuals or small teams with modest needs. It includes three bank accounts and three users, and lists online and emailed checks at $1 each. Businesses with higher or unusual volume can ask about Enterprise, where bank accounts, users, and transaction pricing are custom. That flexibility is useful, but it means getting a quote before comparing total costs.

The $0 monthly fee can obscure the cost of regular use. Pay As You Go requires a $30 minimum recharge, limits the account to three bank accounts and three users, and charges per transaction. Bank-funded ACH and direct deposit cost 1% of the payment, with a $0.50 minimum and $5 maximum; same-day ACH is 1%, capped at $10. Domestic bank-funded wires cost $15 and international wires cost $30. Credit card processing is 2.9%.

Mailing can add up, too. First Class check mailing is $1.25 per check, while tracked First Class costs $8.10; faster options are listed at higher rates. Enterprise check mailing is advertised as starting as low as $0.80, but transaction pricing and plan pricing are custom. Annual pricing and trial availability are not published on the vendor's site.

Accounting sync deserves a compatibility check before switching. In one Reddit thread, a QuickBooks Online user described a connection problem, with each company pointing to the other for support. That is one report, not proof of a widespread issue, but it is a reason to confirm the integration works for your setup.

According to the pricing information checked November 7, 2026, Pay As You Go costs $0 per month, but it requires a $30 minimum recharge. It includes three bank accounts and three users. Online check printing and emailed checks cost $1 each; First Class check mailing costs $1.25 per check. Annual billing is not published.

Enterprise pricing is custom, so there’s no published monthly rate or fixed tier jump to compare. The plan lists custom transaction pricing and check mailing as low as $0.80, but that rate is not a universal postage price. Add-ons can change the math: Positive Pay is $199.99 per account on Pay As You Go, and bank-funded ACH costs 1% with a $0.50 minimum and $5 maximum. Same Day ACH is 1%, capped at $10. Domestic bank-funded wires cost $15. Credit card processing is 2.9%. Mailing options and international payments have separate fees. Price your actual payment mix before switching; the $0 monthly fee does not mean transactions are free.

The published material does not publish a migration process, data-export options, or a list of supported accounting integrations, so we can’t put a reliable effort estimate on a move. Before switching, ask how to import payees and bank details, whether payment history and check records can be exported, and what formats are available. Confirm the accounting platforms you use are supported; the product description says it syncs with leading platforms but names none.

Leaving may take extra planning if your team relies on stored records or payment workflows, but the published sources do not establish how difficult cancellation or data retrieval is. They also include no Reddit posts or comments, so we can’t responsibly attribute reasons for leaving to users there. One specific caution in the verdict is QuickBooks reliability: treat that as something to verify with your own accounting setup, not a proven failure. Get answers on exports, sync behavior, and transaction fees before moving live payments.