What if my vendor doesn't accept credit cards?

What if my vendor doesn't accept credit cards?

This page gives the short answer first, then every step.

Short answer: Yes. The payee does not need to accept credit cards. You pay with your card, and the payee gets the payment as ACH, wire, check, or virtual card, the way you choose. The steps are below.

Pay with a credit card

Step 1

Open Send Payment

Sign in. In the left menu, under PAYABLES, click Send Payment.

Step 2

Type the amount

Under How much would you like to send?, click the big number and type the amount.

Step 3

Choose Credit Card under Pay from

Click the Pay from box. The list shows Wallet, Credit Card, and Bank Account. Click Credit Card.
Pay from list with Wallet, Credit Card and Bank Account

Step 4

Pick your card

Click Select a credit card. Click your card in the list. If your card is not there, click Add New Card and follow the steps to connect it.
Select a credit card list with Add New Card and a saved card

Step 5

Choose who you are paying

Click Who are you paying?, type the payee name, and click the payee. The payee does not need to accept credit cards.

Step 6

Choose how the payee gets paid

Click How would you like to send it? and pick one:
  • Let the vendor decide
  • ACH / Direct Deposit
  • Same Day ACH
  • Wire
  • Check Mail (USPS / FedEx): we print and mail a check.
  • Virtual Card

Step 7

Check the fee

Look at the Payment details box on the right. It shows the Amount, the Pass-through processing fee, and the total under You pay. For a $500.00 payment, the processing fee in our test was $14.50, so You pay showed $514.50. If you chose Check Mail, the mailing fee depends on the shipping type you pick.
Payment details box with Amount 500.00, Pass-through processing fee 14.50 and You pay 514.50

Step 8

Fill in the required boxes

Under Additional details, pick a Purpose of Payment and type an Invoice Number. Both are marked with a star (*), so you must fill them in. You can also add a Memo, a Category, or an attachment.

Step 9

Continue to Authorization

Click Continue to Authorization at the bottom and follow the steps on the screen to approve the card payment. To come back later, click Save Payment instead.

If you pick Check Mail

A Check mailing & delivery box opens. It shows where the check is mailed from and where it is going. Click Select carrier to pick a carrier. The price of each carrier shows next to its name.

Check mailing and delivery box with Mail from, Mail to and Select carrier

Common questions

Does my payee need to accept credit cards?

No. You pay with your card, and the payee gets the payment the way you chose in Step 6, such as ACH, wire, check, or virtual card.

What does it cost?

The card processing fee is 2.9% of the amount. The method you pick can add its own fee. The Payment details box shows the total before you confirm.

I do not see my card.

Click Add New Card in the Select a credit card list and connect it.

I need more help.

Call (408) 775-7720, use the chat box in the lower right corner of the app, or email support@onlinecheckwriter.com.

Pay your vendors with Online Check Writer

Want help? Book a demo. Our team will answer your questions.

This page gives general information. It is not legal advice.