The payment platform offers affordable online international payment solutions for small businesses and individuals.
Jake runs a growing wholesale electronics business in California. His suppliers are all over the world—China, Canada, and Germany—and they expect fast and on-time payments.
But managing accounts payable (AP) is turning into a logistical nightmare.
- His bank charges high fees for international wire transfers.
- His credit card isn’t accepted by some vendors, forcing him to make cash payments.
- Payroll is a pain because he has remote employees across different countries.
- Checks take forever to process, and ACH transfers are not always instant.
Jake spends hours every week managing payments instead of focusing on growing his business. There had to be a better way.
What Are Embedded Payments & Why Do They Matter for AP?
Think of embedded payments like Uber. You don’t enter payment details every time you take a ride—it just happens seamlessly.
Now, apply that to your business. Imagine paying suppliers, employees, and contractors from one system, with options like:
- Credit Card payments—even when the vendor doesn’t accept cards.
- ACH & Wire Transfers—both domestic and international.
- eChecks & Printable Checks—customized and secure.
- Virtual Cards—for better fraud protection.
- Payment Links & Invoice Management—for quick vendor payments.
Instead of jumping between multiple platforms, everything happens in one place. That’s the power of OnlineCheckWriter.com – Powered by Zil Money.
How OnlineCheckWriter.com – Powered by Zil Money Simplifies Accounts Payable
Jake discovered he could automate all his payments using just one platform.
1. Paying Vendors with Credit Cards (Even if They Don’t Accept Cards!)
Jake’s Chinese supplier only takes wire transfers, but he wants to use his credit card for better cash flow.
Solution: “Pay by Credit Card” feature.
- OnlineCheckWriter.com – Powered by Zil Money, allows you to pay the vendor via wire, ACH, virtual card or check.
- The money comes from Jake’s credit card, helping him manage cash flow & earn rewards.
- No need to open new bank accounts or use costly third-party processors.
2. International Wire Transfers Without High Fees
Jake regularly wires payments to suppliers in Europe & Asia.
Problem: His bank takes days to process transfers & charges massive fees.
Solution: OnlineCheckWriter.com – Powered by Zil Money’s international wire transfers.
- Faster transfers compared to traditional banks.
- Affordable transaction fees, saving Jake thousands yearly.
- Multi-currency support, so his suppliers get paid in their local currency.
3. Paying Employees & Contractors with “Payroll by Credit Card”
Jake has remote employees in the US, Canada, and the UK.
Problem:
- Payroll locks up cash flow because it comes directly from his bank account.
- Some contractors don’t accept credit cards.
Solution: Payroll by Credit Card
- Jake can pay salaries & contractors using his credit card.
- Employees get paid via ACH, wire, virtual cards or mailed checks.
- Jake keeps his cash on hand while managing payroll smoothly.
4. Automating AP with eChecks, ACH, & Virtual Cards
Before, Jake was writing checks manually, causing delays and errors. Now, he automates vendor payments with:
- Online Check Printing and Mailing – Print & send checks instantly from anywhere.
- ACH Payments – No more late fees, just quick, easy account transfers.
- Virtual Cards – Secure, instant and one-time-use cards for safe online transactions.
5. Managing AR with Invoices, Payment Links & Auto-Reconciliation
Jake’s suppliers send invoices, and he used to manually process each one. Now, he:
- Uses invoice creation tools to auto-send payments.
- Share payment links with suppliers for instant transfers.
- Uses auto-reconciliation so his books stay accurate.
The Impact of Embedded International Payments on Small Businesses
For Jake, switching to OnlineCheckWriter.com – Powered by Zil Money wasn’t just about saving money—it changed how he runs his business.
- He no longer worries about delayed international payments.
- His payroll process is smooth, and he can use his credit card to manage cash flow.
- He pays vendors, suppliers, and employees faster and more securely.
- No more maintenance fees, minimum balance requirements or initial deposits.
Why More Small Businesses Are Moving to Automated Accounts Payable Solutions
Most small businesses struggle with cash flow, international payments, and managing vendor payables.
Banks and traditional payment methods make it hard with:
❌ High fees for international wires and ACH transfers.
❌ Slow processing times that cause delays.
❌ Complicated setups with paperwork and extra steps.
With OnlineCheckWriter.com – Powered by Zil Money, you get:
✔ Affordable transaction fees and free online checking accounts
✔ Faster processing times
✔ More payment options (ACH, wire, virtual cards, eChecks, credit cards)
✔ Automated reconciliation for easy bookkeeping
The Future of AP is Here: Are You Ready?
Jake used to dread payday, invoice processing, and wire transfers. Now, he pays suppliers globally, processes payroll on his credit card, and automates all payments—all from a single platform.
If managing international accounts payable feels overwhelming, maybe it’s time to think about a better way.
Disclaimer: Jake is a fictional character created for storytelling purposes. Any resemblance to real persons or businesses is purely coincidental.