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The Problem Nobody Talks About Loudly Enough
Traditional payment methods often come with high transaction fees. Although ACH payments are generally cheaper than wire transfers, they still typically cost between $3 and $5 per transaction. That might not seem like much at first, but for businesses that process hundreds or even thousands of payments a month, those fees quickly add up.
For 1099 workers paying subcontractors, this stings twice. You’re already managing irregular income, chasing invoices, and reconciling payments at tax time. Paying per-transfer fees on top of that isn’t just expensive – it’s a structural problem with the way most payment tools are designed. They’re built to profit from your transaction volume, not to support it.
1. Zero-Fee ACH on Eligible Transactions
The single most important feature to look for is a wallet-based payment model where eligible ACH transfers cost $0 per transaction. No per-send fees. No per-receive fees. No monthly minimum hiding behind a free tier label.
You can make ACH payments to vendors, contractors, and employees without worrying about per-transaction charges. That’s right- $0 fees on eligible transactions. This can save your business thousands of dollars each year, especially if you process a large volume of payments.
2. Standard and Same-Day ACH
Speed flexibility matters more than most platforms acknowledge. Standard ACH settles in 1–2 business days and works perfectly for planned, scheduled payments. But when a vendor relationship is on the line, a payroll correction can’t wait, or a time-sensitive obligation lands unexpectedly, same-day ACH, which delivers within the same business day, isn’t a luxury. It’s an operational necessity.
The right platform clearly presents both options, with cutoff times displayed upfront, so you’re never guessing. You decide the timeline based on what your business actually needs that day.
3. One Platform for Everything – Send, Receive, Automate
A complete ACH solution handles everything in one place: outgoing vendor and contractor payments, incoming customer collections via payment links, payroll direct deposits, recurring billing automation, bulk CSV processing for high-volume payouts, and refund handling. One dashboard, one transaction history, and one reconciliation process at year-end.
Not only does this make it easier to track and manage payments, but it also improves the overall visibility of your business’s financial activity. Instead of checking multiple systems for updates, you can access everything you need from one dashboard. This makes reconciling accounts and tracking payments significantly easier, ensuring your records are always accurate.
4. Bulk Processing and Recurring Automation
If you regularly pay multiple contractors, run commissions, or process refunds at volume, manually entering payments one at a time isn’t a workflow – it’s lost hours. Bulk ACH via CSV upload lets you process hundreds of transfers at once with real-time validation, so errors are caught before they become problems.
Recurring payment automation takes further action. Set vendor contracts, subscription collections, or any predictable obligation once, and the platform handles it automatically on schedule. No manual runs. No missed payments. No last-minute scrambles.
Stop Paying Fees That Were Never Inevitable
Here’s the mindset shift worth making before your next payment run: ACH fees are not a cost of doing business. They’re a choice – specifically, the choice to keep using platforms that profit from charging you every time you move money.
The features above aren’t a wish list. They exist, they’re available today, and they’re accessible to freelancers and small businesses – not just enterprise accounts with negotiating power.
Zil Money brings all of it together: $0 fees on eligible wallet ACH transactions, same-day processing, complete send-and-receive functionality, bulk payouts, recurring automation, and 22,000+ bank integrations – built specifically for the businesses and independent workers who can’t afford to keep subsidizing their payment infrastructure.
Five-minute setup. No credit card is required. Process your first payment immediately. Start sending ACH payments for free.
