*Cash back rewards on qualifying transactions when funds kept in Zil Money Wallet. Zero fees to receive ACH payments. Card processing fees apply. Terms apply. Visit zilmoney.com Terms and conditions.
Most businesses just get paid. You get paid and rewarded.
Keep received payments in your Zil Money Wallet. Earn cash back rewards on qualifying transactions.* Turn your incoming payments into growing rewards.
The Traditional Way
Customer pays you
Funds go to bank account
That’s it
The Zil Money Way
Customer pays you
Funds go to Zil Money Wallet
Earn cash back rewards on qualifying transactions*
Use for payments at zero fees* or transfer to bank.
Earn Cash Back Rewards*
Keep received payments in your Zil Money Wallet and earn cash back rewards on qualifying transactions.* The longer funds stay in your wallet, the more you can earn. Your incoming payments become a rewards engine.
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Zero Fees to Receive ACH*
Customers pay you via ACH? Zero fees to receive.* No processing costs eating into what you earned. Keep 100% of ACH payments in your wallet and start earning cash back on qualifying transactions.*
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Zero Fees to Send From Wallet*
Use wallet balance to pay vendors, suppliers, contractors? Zero fees on eligible outgoing transactions too.* Receive payments for free, send payments for free, earn cash back rewards. Complete savings cycle.
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The Math That Matters:
Scenario: $50,000 monthly revenue via ACH
Traditional Bank Account
- Receive: $50,000*
- Processing fees: $0 (ACH is free)
- Cash back earned: $0
- Net benefit: $0
Zil Money
Wallet
- Receive: $50,000 (zero fees*)
- Processing fees: $0
- Cash back earned on qualifying balance: Varies based on terms*
- Use for payments at zero fees on eligible transactions*
- Net benefit: Cash back rewards + zero outgoing fees on eligible transactions**
You’re not just getting paid. You’re building rewards with every payment received.
Three steps to getting paid and getting rewarded.
Set Up How You Get Paid
Choose which payment methods to accept—ACH, cards, payment links, invoices, or all of them. Connect your Zil Money Wallet to receive funds.
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Customer Pays You
Customer pays via their preferred method. ACH = zero fees for you to receive.*
Cards = standard processing fees apply. You choose which methods to accept.
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Get Paid, Get Rewarded
Funds arrive in your Zil Money Wallet. You get instant notification. Keep balance in wallet to earn cash back rewards on qualifying transactions.* Use balance for outgoing payments at zero fees on eligible transactions* or transfer to bank anytime.
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✓ Total setup time: Estimated 5 minutes. ✓ Lifetime benefit: Every payment received.
Every way customers want to pay you.
More payment options = faster collections. Lower costs = more money kept.
ACH Payments
What It Is: Direct bank-to-bank transfers
Cost to You: Zero fees to receive*
Best For: B2B payments, larger invoices, recurring billing
Cash Back Benefit: Keep ACH payments in wallet, earn rewards on qualifying balance,* use for outgoing payments at zero fees*
Payment Links
What It Is: Send a link, customer clicks and pays
Cost to You: Zero fees for ACH via link,* card processing fees for card payments
Best For: Quick payment requests, email/text invoicing, one-time charges
Cash Back Benefit: ACH payments via link go to wallet, earn rewards on qualifying balance*
Credit/Debit Cards
What It Is: Accept all major cards
Cost to You: Card processing fees apply (see pricing)
Best For: Consumer transactions, smaller amounts, immediate payment
Cash Back Benefit: Card payments received can be kept in wallet to earn rewards on qualifying balance*
Professional Invoices
What It Is: Branded invoices with “Pay Now” button
Cost to You: Depends on customer’s payment choice (ACH = zero fees,* cards = processing fees)
Best For: B2B billing, project work, service invoicing
Cash Back Benefit: All invoice payments to wallet can earn rewards on qualifying balance*
Recurring Billing
What It Is: Automatic recurring charges
Cost to You: ACH recurring = zero fees,* card recurring = processing fees
Best For: Subscriptions, memberships, retainers, monthly services
Cash Back Benefit: Recurring payments build wallet balance, earn rewards on qualifying transactions*
Check Draft
What It Is: Secure, pre-created check drafts for simplified payment processing.
Cost to You: Cost to You: Save up to 80% by printing on blank paper — no mailing or signature required.
Best For: Businesses collecting payments efficiently with payer authorization.
Cash Back Benefit: Earn wallet rewards on eligible check draft transactions.*
ACH Payments
What It Is: Direct bank-to-bank transfers
Cost to You: Zero fees to receive*
Best For: B2B payments, larger invoices, recurring billing
Cash Back Benefit: Keep ACH payments in wallet, earn rewards on qualifying balance,* use for outgoing payments at zero fees*
.…..
Payment Links
What It Is: Send a link, customer clicks and pays
Cost to You: Zero fees for ACH via link,* card processing fees for card payments
Best For: Quick payment requests, email/text invoicing, one-time charges
Cash Back Benefit: ACH payments via link go to wallet, earn rewards on qualifying balance*
..….
Credit/Debit Cards
What It Is: Accept all major cards
Cost to You: Card processing fees apply (see pricing)
Best For: Consumer transactions, smaller amounts, immediate payment
Cash Back Benefit: Card payments received can be kept in wallet to earn rewards on qualifying balance*
......
Professional Invoices
What It Is: Branded invoices with “Pay Now” button
Cost to You: Depends on customer’s payment choice (ACH = zero fees,* cards = processing fees)
Best For: B2B billing, project work, service invoicing
Cash Back Benefit: All invoice payments to wallet can earn rewards on qualifying balance*
…...
Recurring Billing
What It Is: Automatic recurring charges
Cost to You: ACH recurring = zero fees,* card recurring = processing fees
Best For: Subscriptions, memberships, retainers, monthly services
Cash Back Benefit: Recurring payments build wallet balance, earn rewards on qualifying transactions*
…...
Check Draft
What It Is: Secure, pre-created check drafts for simplified payment processing.
Cost to You: Save up to 80% by printing on blank paper — no mailing or signature required.
Best For: Businesses collecting payments efficiently with payer authorization.
Cash Back Benefit: Earn wallet rewards on eligible check draft transactions.*
…...
Encourage customers to pay via ACH for larger amounts. You save on processing fees (zero cost to receive*), they save on convenience fees, and you earn cash back rewards when keeping funds in wallet.*
Don’t wait for payments. Request them.
Send payment requests directly to customers. They pay in seconds. You get notified instantly*.
How Payment Requests Work
Create Request
Enter customer details, payment amount, and optional message. Choose which payment methods to accept (ACH, cards, or both).
Send to Customer
Customer receives payment request via email or text. Includes secure payment link and all details.
Customer Pays Instantly*
Customer clicks link, chooses payment method (ACH or card), enters details, and pays. No account signup required.
You Get Paid
Instant notification when payment received. Funds arrive in your Zil Money Wallet. ACH requests = zero fees to receive.* Keep balance in wallet to earn cash back rewards on qualifying transactions.*
Create Request
Enter customer details, payment amount, and optional message. Choose which payment methods to accept (ACH, cards, or both).
.…
Send to Customer
Customer receives payment request via email or text. Includes secure payment link and all details.
....
Customer Pays Instantly*
Customer clicks link, chooses payment method (ACH or card), enters details, and pays. No account signup required.
....
You Get Paid
Instant notification when payment received. Funds arrive in your Zil Money Wallet. ACH requests = zero fees to receive.* Keep balance in wallet to earn cash back rewards on qualifying transactions.*
….
Instead of waiting for customers to “get around to paying,” you request payment proactively. They click and pay immediately. You collect faster and earn rewards on qualifying wallet balance.*
Transparent pricing. Maximum rewards.
Know exactly what you pay to receive each payment type. Plus earn cash back rewards on qualifying wallet balance.*
Zero Fees + Rewards
ACH Payments
Your Cost to Receive: $0*
Customer Experience: Direct bank transfer
Clearing Time: 1-2 business days typicall
✔ Your Benefit:
Zero cost to receive,* funds go to wallet, earn cash back rewards on qualifying balance*
⚙ Perfect For:
B2B payments, larger amounts, recurring billing
Payment Links (ACH)
Your Cost to Receive: $0*
Customer Experience: Click link, pay from bank
Clearing Time: 1-2 business days typicall
✔ Your Benefit:
Zero cost to receive ACH via link,* funds go to wallet, earn cash back rewards on qualifying balance*
⚙ Perfect For:
Quick payment requests, email/text invoicing
Payment Links (Card)
Your Cost to Receive: Card processing fees apply (rates below)
Customer Experience: Click link, pay with card
Clearing Time: 1-3 business days typically
✔ Your Benefit:
Funds go to wallet, earn cash back rewards on qualifying balance*
⚙ Perfect For:
Consumer transactions, immediate payment
Card Processing Fees
Credit Cards:
- Standard rate + per-transaction fee (competitive industry rates)
- Exact rate shown before accepting payment
Debit Cards:
- Lower rate than credit cards
- Exact rate shown before accepting payment
Card processing fees vary by card type, transaction amount, and business type. Exact fees disclosed before each transaction.
Payment Requests
Your Cost to Receive: $0 for ACH requests,* card processing fees for card requests
Customer Experience: Receive request, click, pay immediately
✔ Your Benefit:
Proactive collection, zero fees on ACH,* funds to wallet earn rewards on qualifying balance*
Invoicing
Your Cost to Receive: Depends on customer’s payment choice
Customer pays via ACH: $0*
Customer pays via card: Card processing fees apply
Include both payment options on invoices. Many customers will choose ACH for larger amounts (no cost to you*), others will choose cards for convenience.
Recurring Billing
Your Cost to Receive: Depends on authorized payment method
Customer authorizes ACH: $0 per charge*
Customer authorizes card: Card processing fees per charge
Offer slight discount for ACH authorization. Customer saves money, you save processing fees, and you earn rewards on recurring wallet balance.*
Cash Back Rewards Program:
Cash back rewards subject to program terms and qualifying criteria. Visit zilmoney.com Terms and conditions for complete details.
*Zero fees to receive ACH payments. Card processing fees apply to all card transactions and vary by card type, transaction amount, and business type. Cash back rewards on qualifying transactions when funds kept in Zil Money Wallet, subject to program terms. Clearing times are estimates and may vary based on financial institution processing. All services subject to approval, identity verification, and compliance requirements. Terms apply. Visit zilmoney.com terms and conditions.
Businesses earning while getting paid.
Three businesses using wallet deposits to earn rewards and save on processing.
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 ZilMoney 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 ZilMoney 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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Your wallet isn’t just where payments land. It’s where money grows.
Most businesses immediately transfer received payments to their bank. Smart businesses keep operating balance in wallet and earn rewards.*
Earn Cash Back Rewards*
Keep balance in wallet, earn cash back rewards on qualifying transactions.* Traditional bank accounts earn nothing on checking balances. Your Zil Money Wallet can earn rewards. Your operating capital works for you.
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Zero Fees on Outgoing Payments*
Use wallet balance to pay vendors, contractors, suppliers at zero fees on eligible transactions.* Don’t transfer to bank just to transfer back out and pay fees. Keep in wallet, send for free on eligible transactions.*
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Instant Payment Capability*
Wallet balance available for real-time payments. Emergency vendor payment? Pay from wallet instantly*. No waiting for bank transfers to clear.
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Complete Payment Control
All incoming and outgoing in one place. See complete cash flow picture. Better financial management with unified view.
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Flexibility When Needed
Transfer to bank account anytime. Wallet isn’t a lock-in. It’s a smarter place to keep operating capital that earns rewards and enables zero-fee payments on eligible transactions.*
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Traditional Approach:
Customer pays
Bank account
Sits earning nothing
Transfer out to pay vendors (pay fees)
The Zil Money Way
Customer pays
Wallet (earn rewards on qualifying balance*)
Pay vendors from wallet (zero fees on eligible transactions*)
Transfer excess to bank
You’re using the same operating capital. Why not earn rewards and save fees while using it?
Bank-level security on received payments and wallet balances.
FDIC Member Bank Partners
Banking services provided through partnerships with FDIC member banks. Your wallet funds benefit from banking partner protections.
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256-Bit Encryption
All payment data and wallet information encrypted with bank-level security. Customer payment details and your wallet balance stay protected.
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PCI DSS Compliance
Full compliance with Payment Card Industry standards for card payment acceptance. Your customers’ card data is secure.
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Fraud Monitoring
Advanced fraud detection monitors incoming payments for suspicious activity and helps prevent unauthorized transactions.
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Multi-Factor Authentication
Multiple authentication layers protect your account and wallet access. Only you can access your funds and rewards.
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Secure Payment Pages
All payment acceptance pages served over HTTPS with SSL certificates. Customers see security indicators confirming legitimate payment process.
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Trusted by 1M+ businesses to securely receive and manage payments totaling $100B+ annually.
Questions about receiving payments and earning rewards.
Keep received payments in your Zil Money Wallet. Earn cash back rewards on qualifying transactions based on wallet balance.* Rewards accumulate according to program terms. Visit zilmoney.com terms and condition for complete details.
Zero fees.* When customers pay you via ACH, you pay nothing to receive those funds. They deposit directly to your Zil Money Wallet where they can earn cash back rewards on qualifying balance.*
Card processing fees apply when customers pay via credit or debit card. Exact fees vary by card type and transaction amount. Fees disclosed before accepting payment. Card payments can also be kept in wallet to earn rewards on qualifying balance.*
No. Transfer to your bank account anytime. However, keeping operating balance in wallet lets you earn cash back rewards on qualifying transactions* and use funds for outgoing payments at zero fees on eligible transactions.* Most businesses keep 1-2 weeks of operating capital in wallet for maximum benefit.
Create payment request with amount and customer details. System sends secure link to customer via email or text. Customer clicks, chooses payment method (ACH or card), and pays. You get instant notification. ACH requests cost you zero fees to receive.*
Yes. Set up recurring billing for subscriptions, memberships, or regular services. Customer authorizes once, you collect automatically. ACH recurring = zero fees per charge.* Card recurring = standard processing fees per charge.
ACH payments typically clear in 1-2 business days. Card payments typically clear in 1-3 business days. You get instant notification when payment is received, though clearing time varies by financial institution.
Yes. Banking services provided through FDIC member bank partners. Funds protected with bank-level security, encryption, fraud monitoring, and multi-factor authentication.
You're notified immediately. For recurring billing, system automatically retries failed payments and notifies customer to update payment method. You see status in real-time.
Yes—that's a key benefit. Use wallet balance to pay vendors, suppliers, contractors at zero fees on eligible transactions.* Receive for free, send for free, earn rewards on qualifying balance. Complete cycle.
Works with your existing tools.
Accounting Software
Most businesses immediately transfer received payments to their bank. Smart businesses keep operating balance in wallet and earn rewards.*
