Trusted by 1M+ businesses worldwide
Your complete payment operations platform.
Send money every way, ACH, wire, check, international, credit card to vendors and payroll. Receive payments effortlessly. Automate everything. One platform for every payment you make. This is what complete looks like.
Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.
SOC 1 Certification
Reduced risk of financial misstatements
SOC 2 Certification
Data integrity assurance
PCI DSS Compliance
Protection against data breaches
ISO 27001 Certification
Risk-based approach to security
ISO 20000 Certification
Efficient service delivery processes
ISO 9001 Certification
Customer-centric operations
CCPA Compliance
User control over personal data
NIST 800-53 Compliance
Federal-level data protection
HIPAA Compliance
Privacy protection for patient dataTrusted by Businesses Nationwide
$100B+
Processed
1M+
Businesses
22K+
Bank Integrations
20M+
Checks Processed
One wallet for every vendor payment your business makes.
Most businesses juggle five different tools to move money. You can do it all, ACH, wire, check, credit card, from one wallet instead.
Pay Any Way You Choose
Load your Zil Money Wallet and pay vendors by ACH, wire, check, or credit card, all from one balance.
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Turn Your Credit Card Into a Payment Tool
Pay vendors with credit cards and earn rewards. Run payroll with credit cards and get paid back.
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Everything in one platform
Send, receive, and automate every payment method ACH, wires, checks, international, bill pay, virtual cards, credit card vendor and payroll payments. One platform for everything.
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*Credit card processing fees apply to vendor and payroll credit card payments. Terms apply. Visit zilmoney.com terms and conditions.
Transform how you handle payments.
Four ways Zil Money changes your payment operations for the better.
Consolidate every payment method
One wallet handles ACH, wire, check, and card payments, so you’re not managing five different systems to pay one vendor list.
Earn rewards on business expenses
Pay vendors and run payroll with your credit cards. Earn rewards on every payment. Get 30-45 days of cash flow flexibility. Turn your largest expenses into earning opportunities.
Consolidate all payment tools
All payment methods in one place ACH, wires, checks, international, bill pay, virtual cards. Single login. Unified reporting. One reconciliation. One relationship. Simple.
Automate payment operations
Auto-pay bills. Bulk process payments. Auto-reconcile with accounting software. Real-time tracking on everything. Get hours back every week for work that actually grows your business.
Consolidate every payment method
One wallet handles ACH, wire, check, and card payments, so you’re not managing five different systems to pay one vendor list.
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Earn rewards on business expenses
Pay vendors and run payroll with your credit cards. Earn rewards on every payment. Get 30-45 days of cash flow flexibility. Turn your largest expenses into earning opportunities.
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Consolidate all payment tools
All payment methods in one place ACH, wires, checks, international, bill pay, virtual cards. Single login. Unified reporting. One reconciliation. One relationship. Simple.
....
Automate payment operations
Auto-pay bills. Bulk process payments. Auto-reconcile with accounting software. Real-time tracking on everything. Get hours back every week for work that actually grows your business.
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Every payment capability your business needs.
Send money, receive money, and automate operations all from one platform.
Pay Vendors with Credit Cards
Pay any vendor with your credit card and earn rewards even if they don’t accept cards. Get 30-45 day float. Improve cash flow timing.
Earn rewards + extend cash flow
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Run Payroll with Credit Cards
Pay employees with your credit card. Earn rewards on every paycheck. Get payment float. Never miss payroll due to timing issues.
Earn rewards + payment flexibility
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ACH & Wire Transfers
Send and receive domestic and international payments. Same-day ACH available.
Fast, and all from one balance
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Digital Checks
Create custom-branded checks. Send digitally or by mail. Professional, tracked, secure.
Professional and tracked
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Check Mailing Service
We print, envelope, and mail your checks professionally. USPS First Class. Processed within 1-2 business days. Starting at $1.25 per check.
Completely automated
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International Payments
Ripple-powered global payments that settle in minutes, not 3-5 days. Lower fees than traditional wires. 7 countries.
settlement in minutes
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Automated Bill Payments
Set up once, never worry about late fees again. Auto-pay all your business bills.
Never miss a payment
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Virtual Cards
Issue unlimited virtual cards with custom limits for every vendor, employee, or project. Control spending. Track everything. Cancel quickly.
Complete spending control
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Bulk Payment Processing
Process hundreds of payments in minutes with CSV upload. Quick validation. Real-time tracking. Perfect for payroll and vendor payments.
Process hundreds efficiently
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🚀 This Changes Everything
The business wallet built around how you already pay.
Load your Zil Money Wallet from your bank account. Pay ACH, wire, check, or card from one balance. This is how payment operations should work.
One Balance, Every Payment Method
Pay ACH, wire, check, or card from a single wallet balance instead of juggling separate accounts.
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Start Earning Instead*
Credit card rewards when you pay vendors and payroll with cards. Turn payments you’re already making into an earning opportunity.
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Get Complete Control
One balance for all payment methods. Real-time visibility into every
transaction. Quick transfers. Automated reconciliation. The control you need.
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Built to scale from startup to enterprise.
APIs for developers. White label for platforms. Bulk processing for volume.
Build payments into your product
Comprehensive APIs for all payment types. Developer-friendly documentation. Sandbox environment. Dedicated technical support for smooth integration.
Perfect For: SaaS platforms, fintech companies, custom integrations
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Launch your branded payment platform
Your brand, our proven technology. Deploy in weeks, not years. Complete customization. 22,000+ banking integrations included.
Perfect For: Financial institutions, enterprises, platform businesses
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Process high volumes efficiently
Upload CSV files. Process hundreds or thousands of payments at once. Real-time validation. Detailed reporting. Volume discounts available.
Payroll services, high-volume payment operations
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Start in minutes, not days.
Simple setup. Immediate value. No complicated onboarding process.
Create your account
Sign up with your business information. Quick identity verification. No credit card required to start exploring.
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Fund your Wallet
“Load your Zil Money Wallet from your bank account, then pay from that balance by ACH, wire, check, or card. Or connect your credit card for vendor and payroll payments.
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Make your first payment
Choose your payment method. Enter recipient details. Send your payment. Track everything in real-time with complete visibility.
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Save and earn continuously
One wallet balance for every payment method. Credit card rewards on vendor and payroll payments. Your operations just became simpler.
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Real businesses. Real savings. Real earnings.
Join over 1 million businesses that have transformed their payment operations
with Zil Money.
Cory Edwards
Owner Edwards Holdings Realty
“The most helpful part is that Zil Money can be used by everyone. It’s very easy to navigate. THE USER INTERFACE is very easy to learn.
It solves the problem of having various accounting software separately and unable to integrate. It allows seamless organization.“
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Rachel Ruiz
Business Strategy Manager, Lennar Title
“Working with Zil Money has been such a great experience. We use their platform to create and send eChecks to multiple parties, and it’s been incredibly smooth and efficient. Anytime we have a question or run into an issue, their team is quick to respond and always helpful. They’ve consistently gone above and beyond to support our needs, and it’s made a real difference in our workflow. I highly recommend Zil Money to anyone looking for a reliable, attentive, and efficient vendor.”
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Mike S
Experity
“Zil Money has been a game-changer for our business! Their payment support is top-notch quick, reliable, and always ready to assist with any questions we have. We’ve also seen significant cost savings on ACH and wire transfers, and their discounted FedEx shipping rates have helped us reduce expenses even further. Zil Money has streamlined our payment processes and saved us both time and money. Highly recommend it to any business looking for a hassle-free and cost-effective payment solution!”
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Alex Craig
Owner/CEO Codex Group
“I primarily use their online check writer platform. I like it because it’s easy to use and allows multiple options for remitting payment to someone (print a check, mail a check, email a check, direct ACH transfer, etc.). Their fees are also really low. My bank started charging to use bill pay services. I switched all of it to online check writer because their fee to mail a check is much lower than what my bank charges to mail a check through their bill pay service.”
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Connects with everything you already use.
Seamless integrations with your accounting software, banking partners, and business systems.
Accounting Software
Automated sync with your accounting platform
Banking Partners
Connect with your business bank accounts
22,000+ Banks Integrations
Connect with 22,000+ banks & institutions for easy payments
Real-time connectivity
Experience secure, real-time connectivity for payments
FDIC Member Bank Partners
Trusted payment solutions backed by FDIC member banks
Secure enterprise-grade connections
Protect payments with safe, enterprise-grade secure connections
Business Tools
Works with your existing workflow
Group mailing
Track group mailings with full status, cost, and reports easily
Mail Document
Upload and mail documents directly to your payees easily
Process Card
Reduce card processing costs and enjoy lower transaction fees
E-mail Writer
Generate high-quality email content instantly in seconds
Knowledge Base
Create and publish knowledge base articles quickly
Shipping Label
Generate shipping labels quickly and easily with this tool
Bank Data
Access all your bank account data securely in one place
Positive Pay
Prevent check fraud by matching issued checks with records
Payment Networks
All major payment rails included
ACH Network
Send and receive payments seamlessly through the ACH network
Wire Networks
Transfer funds securely and quickly through wire networks
USPS (Check Mailing)
Mail checks securely and on time through USPS services
Ripple (International)
Send fast, secure international payments with Ripple network
Card Networks
Process payments securely and efficiently via card networks
Your money. Our priority.
Enterprise-grade security protecting every transaction, every time. We don’t just meet security standards we exceed them.
Military-Grade Encryption
256-Bit Encryption
All data encrypted both in transit and at rest. Your sensitive financial information stays protected with the same encryption used by major banks.
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Independently Audited
Security Controls
Security controls are independently verified and audited regularly for effectiveness.
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Banking Partner Protection
FDIC Member Banks
Banking services provided through partnerships with FDIC member banks, ensuring your funds benefit from federal protection.
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Advanced MFA
Multi-Factor Authentication
Multiple security layers ensure only authorized users can access your account and approve payments. You control who gets in.
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24/7 Protection
Real-Time Fraud Monitoring
Advanced AI-powered systems monitor for suspicious activity around the clock. Threats get detected and stopped before they become problems.
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Built-In Compliance
Full Compliance
BSA/AML, KYC, NACHA all regulatory requirements built into the platform. You stay compliant automatically.
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Trusted by over 1 million businesses to securely process $100+ billion in transactions.
Built for how your industry operates.
Every industry has unique payment needs. See how businesses like yours use
Zil Money.
Real Estate
Rent collection, security deposits, commission distribution, vendor payments
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Healthcare
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Legal Services
Client trust accounts, settlement payments, court fees, retainer management
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E-commerce
Supplier payments, customer refunds, marketplace settlements, international orders
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Professional Services
Client invoicing, contractor payments, subscription billing, expense management
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Manufacturing
Vendor payments, payroll, international suppliers, bulk transactions
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Construction
Subcontractor payments, material suppliers, equipment purchases, payroll
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Technology
Global contractor payments, SaaS subscriptions, vendor management, payroll
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Common questions answered.
Everything you need to know about transforming your payment operations.
Fund your wallet from a connected bank account, then pay vendors, suppliers, and payroll by ACH, wire, check, or credit card, all from that one balance.
You pay Zil Money with your business credit card. We pay your vendor via their preferred method (check or ACH). Your vendor receives payment the way they want and never knows you used a card. You earn your credit card rewards and get 30-60 day float before your card payment is due. Credit card processing fees apply, but most businesses come out significantly ahead when factoring in rewards plus cash flow benefits.
Yes. Process payroll through Zil Money using your business credit card. Your employees receive direct deposit as normal. You earn credit card rewards on every paycheck and get payment float. This is particularly valuable for managing cash flow during growth periods or smoothing out timing gaps between receivables and payroll dates.
Yes. You pay Zil Money with your card, and we send the vendor their preferred method, check or ACH. They never know you used a card, and you keep your card's rewards and float.
Most businesses using 2+ payment platforms save $1,000-5,000 monthly by consolidating to Zil Money—even before considering rewards earned through credit card payments. Add in time saved (average 8 hours/week) and improved cash flow management, and the answer is typically yes, significantly better. Use our savings calculator to see your specific benefit.
Create account: 2 minutes. Fund wallet or connect credit card: 1 minute. Make f irst payment: 1 minute. You can be processing payments within 5 minutes of signing up. No lengthy onboarding. No complicated approval process.
That works perfectly. Use only what you need—whether it's just check mailing, or only international payments, or just bill pay automation. You're not required to use every feature. Most businesses find that once they set up one capability, they naturally adopt others because everything is already connected and more cost-effective than separate tools.
Yes. We integrate with QuickBooks, Xero, FreshBooks, Sage, Wave, NetSuite, and most major accounting platforms. We also connect with 22,000+ banks and numerous business systems. Most integrations are automated and sync in real-time, eliminating manual data entry and simplifying reconciliation.
Real human support from people who understand payment operations. Not bots. Not offshore call centers reading scripts. Actual payments experts who can solve problems. Priority support is included with Business plans. Enterprise customers get dedicated account managers for proactive assistance.
Built to scale from startup to enterprise.
APIs for developers. White label for platforms. Bulk processing for volume.
Free
$0/month
Getting started
- Create account and explore platform
- Basic payment features
- Limited monthly transactions
- Standard support
- Core integrations
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Business
Custom Pricing
Most businesses
- All payment methods available
- Zil Money Wallet (ACH, wire, check, and card from one balance)
- Unlimited transactions
- Credit card vendor payments
- Credit card payroll processing
- Priority support
- All integrations
- Bulk payment processing
- Advanced reporting
Enterprise
Custom Pricing
Large organizations
- Everything in Business plan
- Enterprise API access
- White label platform options
- Dedicated account manager
- Custom integrations
- SLA guarantees
- Volume-based pricing
- White glove onboarding
- Advanced security features
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• Wallet payments: ACH, wire, check, and card from one balance • Check mailing: Starting at $1.25 per check • Credit card payments: Standard processing fees apply (you earn rewards) • Volume discounts: Available for high-volume operations