MGA Insights

Stop Cutting Checks! A Smarter Way to Pay Bills in QuickBooks

Written by MGA Team | Apr 1, 2025 4:30:00 PM

Are you still manually cutting checks to pay your bills?

You’re not alone — but it might be time to reconsider. Not only is check fraud on the rise, but check printing, signing, and mailing are time-consuming tasks that add zero value to your business. Fortunately, there’s a better way, and it may already be available right inside your QuickBooks Online account.

Let us introduce you to QuickBooks Bill Pay and explain why now might be the perfect time to go digital with your accounts payable process.

Why Businesses Are Moving Away from Checks

If you've ever had a check intercepted or altered, you know how painful check fraud can be. But even if you haven’t, the risk is real, and so is the time your team is spending on repetitive, manual steps:

  • Printing checks
  • Physically signing them
  • Stuffing and mailing envelopes
  • Reconciling payments manually

All of that effort can be replaced with just a few clicks — and tighter security — using modern payment tools.

QuickBooks Bill Pay: Built Right Into QBO

QuickBooks Bill Pay is a newer, streamlined option built directly into QuickBooks Online. It’s ideal for small business owners and teams who want an easy, secure way to pay bills without adopting a whole new system.

What it does well:

  • Syncs with your bills in QuickBooks — no extra data entry
  • Lets you schedule payments as ACH or check
  • Fully integrates with your bank feeds and reconciliation process
  • Requires almost no setup — you can be live in under a day
  • Works great for businesses with straightforward needs

With a couple of clicks, your vendor is paid, and the transaction is automatically recorded.

What About Bill.com?

You know we love and recommend Bill.com, as it’s still the go-to for businesses with more complex needs, like:

  • Multi-level bill approval workflows
  • User permissions and audit trails
  • Larger vendor volumes or international payments

It’s a more robust platform, but it also lives outside of QuickBooks, which means syncing data, managing another login, and additional monthly costs. If your needs aren’t quite as robust, QuickBooks Bill Pay could be a more reasonable solution for you.

Any Drawbacks to QuickBooks Bill Pay?

There are a couple of things to keep in mind. You may run into payment limits at first, especially if you're sending larger amounts or paying many vendors at once. These limits usually increase after a few weeks of consistent use.

Also, because QuickBooks Bill Pay is still in its early stages, some of the supporting infrastructure is still catching up. For example, you won’t be able to access images of cashed checks directly through Intuit. If a vendor questions whether a check was received or deposited, you'll need to go through your bank to confirm. This is an area where more mature platforms like Bill.com currently offer more robust features, including audit trails and check images.

That said, we expect Intuit to continue expanding these capabilities over time. If your business needs more advanced approval workflows or user permissions, Bill.com may be a better fit. But for many small businesses, the simplicity and time savings of QuickBooks Bill Pay make it a strong solution.

Is This the Right Fit for You?

  • Do you pay vendors or contractors regularly?
  • Are you still printing and mailing checks?
  • Do you use QuickBooks Online?
  • Would you like to eliminate manual steps and reduce fraud risk?

If you answered yes to most of the above, QuickBooks Bill Pay is worth a serious look.

Let’s Help You Move Away from Checks

If you're ready to stop cutting checks — or just want to understand your options better — we're here to help. We'll assess your payment process, walk you through the setup, and recommend the best solution based on your workflow.

Say goodbye to envelopes, stamps, and fraud headaches. Reach out today to get started.

We are here to make the complex simple.

 

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