Checkflo vs Online Check Writer - Which AP Automation Software Platform Is Better in July 2025?

Pros and Cons of Checkflo

• Checkflo’s pay-as-you-go pricing model removes the burden of subscriptions and upfront costs, making it ideal for businesses seeking affordability and scalability, especially with volume discounts for high-frequency check issuance.

• With SOC 2 Type 2 and HIPAA compliance, Checkflo provides peace of mind for businesses needing to protect sensitive financial data, including features like bank-grade encryption and secure check stock.

• The platform enables fast payment processing with same-day dispatch, optional overnight FedEx delivery, and real-time postal tracking—great for urgent or time-sensitive payments.

• From REST API and CSV uploads to QuickBooks Online and SFTP support, Checkflo seamlessly fits into existing accounting workflows, allowing automated, batch-based processing with approval and scheduling capabilities.

• Since Checkflo is cloud-based, access and processing depend on stable internet connectivity, which could be a limitation during outages or in remote locations.

• Though integration options are robust, initial setup—especially for API or multi-bank workflows—may require some technical effort or assistance, depending on system complexity.

Pros and Cons of Online Check Writer