FAQ
Are there any cancellation fees if I cancel the service after signing up?
There are no cancellation fees, and you are not tied to a contract. If you decide not to use the service, you can cancel anytime without penalty.
Can I use multiple credit cards for payroll processing?
Yes, you can add multiple credit cards to your account and use them for payroll. You can even split payroll payments across different cards.
Are there any restrictions or limitations for transferring funds?
There are no restrictions or limitations on the amount you can transfer, as long as you have a U.S.-registered business. The only consideration is that international wire transfers incur a fee of $25 per transaction.
Can vendors or employees use the virtual card for in-person purchases?
The current virtual card system can only be used for online purchases or subscriptions. However, an upcoming update is expected to allow users to link the card to payment platforms like Apple Pay or Google Pay, enabling in-person transactions.
Is there a transaction limit on the platform?
There is no fixed transaction limit. Custom limits can be set based on the business's needs. Higher transaction limits, such as $20,000 or $50,000 per month, can be requested.
Can I access multiple platforms with one login?
Yes, you can use the same login credentials to access your Zil Money account, Online Check Writer, and Zil.US
How do I add more users to the portal?
Admin users can add more users by going to the "Users" section, entering the user's details (name, company, email, etc.), and selecting the "Add Admin" option to grant the necessary access.
How do you handle situations where customers input wrong information?
If a customer provides incorrect information, businesses can manually correct the data and re-create the check to ensure the payment goes through.
Are there any setup or termination fees?
No setup fees or early termination fees. There is no contract, allowing flexible use.
Do I need to upload the lease agreement every month?
Yes, each time you process a lease payment, you'll need to upload the lease agreement as a supporting document to complete the transaction.
How long does the approval take?
Uploaded documents are typically reviewed within 30 minutes to one hour. Once approved, the credit card is charged and the payment (check/ACH/wire) is processed.
Can I add custom fields like a reference or case number to the check?
Yes, you can add custom fields, such as reference numbers or case numbers to the check and check stub.
What types of documents are required for credit card transactions?
You must upload a supporting document for each transaction: Rent: Rental agreement or invoice. Vendor Payments: Vendor invoice. Payroll: Payroll summary or report from your payroll provider.
How long does the approval take?
Uploaded documents are typically reviewed within 30 minutes to one hour. Once approved, the credit card is charged, and the payment (check/ACH/wire) is processed.
What are the fees for using a credit card?
Standard Credit Card Fee: 2.9% processing fee. Same-Day ACH: Up to $40 max or 0.1%. Wire Transfer: $12 + 0.1%. Check Mailing (USPS): First Class (No tracking): $1.25 First Class (With tracking): $7.50 Priority: $12 FedEx Overnight: $29
Is the bank login process required for each payment?
No. Users only need to complete the authorization and verification process once. Subsequent payments can be made without re-authentication.
How does the contracting process work?
The company will provide an onboarding packet with necessary documentation. The agreement will need legal review by the customer's attorneys.
What security measures are in place?
The platform is PCI compliant. Detailed security documentation is available upon request. A non-disclosure agreement (NDA) is available as part of the contract.
What is the expected transaction volume?
The expected volume is less than 100 transactions per month on average. The highest month was 99 checks, with the average being below 70 checks per month. It is used as a backup solution, so volume can spike during system outages.
Will the sub-customer/job number feature be added?
Currently, the sub-customer/job number feature is not available. Support will check with the development team and may inform the user by Monday morning if this feature can be added.
How can a check be created and exported?
Go to the homepage Create a check Select the appropriate category Click "Export check"
How can I get support if needed?
You can get support through live chat or phone support, both available from within the application.
What can be done about the unsupported ID?
If the ID is unsupported, manual verification of the phone number can be completed during the call.
What pricing is available for nonprofits?
Nonprofits often receive discounted pricing, and detailed pricing information is typically provided via email.
What support options are available?
Support options commonly include live chat, phone support (with specific hours), and multilingual support, including Spanish. Some systems may allow check recipients to contact support directly.
When should the transaction be initiated?
It can be done on or before payroll day. If earlier funding is needed, ACH should be initiated two days prior, while wire transfers can be done the same day. Transactions must be manually submitted each time, as they are not automatic.
What needs to be done to start using the service?
Users must complete the account verification process before submitting transaction requests.
How does the application process work?
Users must complete account setup by verifying their email and phone number, providing personal and business details, adding a bank account, and applying for ACH capability.
What support options are available?
Users can access live chat with agents and phone support for assistance.
What's the turnaround time for account approval?
Accounts are typically approved within one business day if all required documents are provided.
How are disputes and chargebacks handled?
Users must contact Online Check Writer support. The company works with its banking partners, and supporting documents may be required for disputes.
What are the benefits of opening an account through Online Check Writer?
Users get three free transactions and free international transfers.
What's required to sign up?
Users need an email and phone number. The one-time account setup takes about 2–5 minutes. Verification levels vary based on the features required.
Are there pricing plans available?
Custom pricing plans are available with reduced per-transaction fees. Credits may also be offered to offset certain fees.
Can user access be limited?
Yes, access permissions can be customized to restrict bank account access, control which payment methods a user can initiate, and require approval before processing payments.
What technical support will be available?
24/7 technical support is available via Slack or Teams for development teams.
What support options are available?
Live chat support. Phone support. Email support.
Is training available for team members?
Yes, unlimited training sessions can be scheduled for new users.
What are the cut-off times for ACH, wire transfers, and check mailing?
Check Mailing First Class USPS - 11:50 AM CST Next Day Fedex - 3PM CST ACH ACH Prefunding - 7:00 PM PST Same Day ACH - 12:00 PM PST Wire U.S. Dollar Wire via Transact Gateway - 2:30 PM PST Same-Day Federal Tax Wire payment instructions must be ...
¿Hablamos Español?
En este momento nuestro sistema no está disponible completamente en español. Pero por supuesto que queremos asociarnos más con todos los idiomas con los que podamos. Si hay dificultades o preguntas algunos de nuestros asociados pueden hablar español: ...
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