There’s no nice way to say it—paper checks are a pain. They’re slow, they’re expensive, and they leave your business wide open to fraud. But the strange part? A surprising number of businesses are still using them. According to the 2022 AFP Payments Cost Benchmarking Survey, 92% of organizations still receive payments via paper checks, and 86% still use them to pay others.
Let’s pause for a second. That means in a world where you can send money in seconds and track a pizza to your doorstep, businesses are still stuffing checks into envelopes and relying on the postal system to deliver them. We’re talking about 4–5 days for delivery, plus up to 2 more for bank processing. That’s nearly a week lost. And with every delay, you’re risking late fees, lost vendor trust, and choked-up cash flow.
But here’s the good news: businesses are catching on—and fast. Over 73% of organizations have already started transitioning from paper checks to digital payments. And one of the easiest ways to start is with digital checks, thanks to platforms like OnlineCheckWriter.com – Powered by Zil Money.
Why Paper Checks Just Don’t Cut It Anymore
Let’s break it down:
- They’re slow. Approvals alone can take up to 14 business days. Add postage, delivery, and clearing? You’re wasting precious time.
- They’re costly. On average, issuing a paper check costs between $2.01 and $4.00. Compare that to ACH payments, which cost just $0.26 to $0.50.
- They’re risky. Pre-printed paper checks are the most vulnerable to fraud. According to the AFP, 65% of companies experienced check fraud—double the rate of ACH debit fraud.
What’s Driving the Shift?
It’s not just the cost. It’s not just the speed. It’s everything.
- Efficiency: 92% of businesses moving to electronic payments say it’s because of improved efficiency.
- Security: 67% cited fraud prevention as a key reason.
- Savings: 85% said they were motivated by lower processing costs.
And then there’s the pressure of modern business. Faster cycles, remote teams, tighter margins—you simply can’t afford a system that drags you down.
Enter: Digital Checks from OnlineCheckWriter.com – Powered by Zil Money
This isn’t just a digital solution. It’s a smarter, safer, and faster way to pay.
Here’s what you get:
✅ Instant Check Printing
No need to wait for your checkbook to arrive. Just log in, create a check, and print it on blank stock paper using any regular printer. You can use it from your desktop, laptop, or even mobile.
✅ Online Check Mailing
Too busy to mail it yourself? Let the platform handle it. They’ll print, stuff, stamp, and mail the check for you via USPS or FedEx. Options include:
- USPS First-Class Mail: Budget-friendly, delivers in 1–5 days
- FedEx Overnight: For those urgent last-minute payments
✅ eCheck Delivery
Need to send a check faster than the mail can fly? Send it by email. The payee receives a secure, one-time printable PDF that they can use just like a regular check. You can even notify them via SMS, making sure they never miss it.
✅ ACH & Same-Day ACH
Pull funds straight from your bank account and get them to the recipient within 1–3 days—or even the same day, if you’re in a rush.
✅ Total Customization
With drag-and-drop design tools, you can customize checks with logos, fonts, watermarks, and signatures. Add your branding, increase security, and give your checks a professional polish.
✅ Other Payment Options
The platform also offers:
- Wire transfers (domestic and international)
- Pay by credit card (including payroll funding)
- Virtual cards
- Digital wallets
Real Talk: Why Are So Many Still Stuck on Paper?
Change can feel risky. Some vendors are hesitant to accept anything other than paper checks. Some businesses feel digital payments are too technical or not traceable enough.
But here’s the kicker—digital checks give you the best of both worlds.
- They’re traceable. Every transaction comes with a full audit trail.
- They’re easy. No tech expertise needed. If you know how to send an email, you can send a digital check.
- They’re familiar. Vendors still receive a “check,” just via email or printed and mailed from a professional platform.
The Bottom Line: Upgrade Without the Overhaul
You don’t need to redo your entire payment system to start benefiting from digital checks. Platforms like OnlineCheckWriter.com – Powered by Zil Money let you plug in, pay fast, and stay in control.
This isn’t about abandoning what works—it’s about making what works better. Your team saves time. Your vendors get paid faster. And your business gains the speed and flexibility it needs to grow.
Still Clinging to Paper?
It’s costing you—time, money, and maybe even your reputation.
The world is moving forward. 73% of businesses are already making the shift.
Join them.
Let your next check be smarter, faster, and more secure—with OnlineCheckWriter.com – Powered by Zil Money.
