Melio Payments Alternative

Pay Vendors with Your Credit Card Using Melio Payments Alternative Zil Money.

Cover Payroll with Your Credit Card & Keep Cash Flow Intact.

Enjoy Multiple Secure Payment Options at a Fraction of the Cost.

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Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.

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Financial Freedom for Businesses – Zero-Cost Banking, Maximum Control.

1M+

 

online business
accounts

100B+

 

transaction
value

16M+

 

checks
processed

A Man Holding a Tablet to Pay Payments. Easy Invoice Payment Process

Pay Vendors by Credit Card – No Extra Fees, No Hassle!

Stop letting transaction fees dictate how you pay vendors!

  • Pay vendors using your credit card—even if they don’t accept cards.
  • Zil Money processes your payment and transfers funds via ACH, wire, check mail, or virtual card.
  • Keep all your credit card reward points while making business payments!
A Man Holding a Tablet to Pay Payments. Easy Invoice Payment Process
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A Man Working on a Smartphone to Make Payments. Accept Payments Easily

Payroll by Credit Card – Pay Now, Earn Rewards!

No cash? No problem!

  • Pay your employees using a credit card—maintain cash flow with ease.
  • Fund your checking account instantly from your credit card via ACH, wire, or RTP. 
A Man Working on a Smartphone to Make Payments. Accept Payments Easily

Multiple Payment Options – Flexible & Cost-Effective!

 

Zil Money provides endless payment possibilities to match your business needs.

  • Print and mail checks online, send eChecks, or issue virtual cards instantly.
  • Pay and receive funds via ACH, wire transfers, or checks —all at low costs. 
A Laptop Showing Invoice. Streamline Financial Management

Why Zil Money!

A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment

A Man Holding a Laptop To Make Payments. Integration for Smooth Operations

Access Payments Anywhere – Anytime, Any Device!

 

Run your business without limits using Zil Money’s cross-platform solution.

  • Available on iOS, Android, and Web—manage payments on the go!
  • A user-friendly interface for fast, secure, and stress-free financial management.
A Man Holding a Laptop To Make Payments. Integration for Smooth Operations
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Frequently asked questions

FAQ Section
What to do if my vendor refuses to accept credit cards?
No need to worry at all! With Zil Money, you can still make payments to your vendor through checks or ACH instead of credit cards. For vendors who don't accept credit cards, you can configure Zil Money to process payments on your behalf. Simply provide the payment details, and we’ll take care of the rest. The platform offers the option to send payments via check or ACH, ensuring a smooth and hassle-free transaction.
Does my vendor/supplier has to pay any charge for receiving payment by credit card payments?
Significantly, no. Because your seller accepts payments through credit card, we don't charge them an additional fee. Instead, you pay a tiny transaction fee of 2.95%, which is a cost of doing business that is normal across the industry.
Can I pay by credit card even if my vendors don't accept that?
Yes! With Zil Money, you can pay your vendors using a credit card even if they don’t accept card payments. Zil Money processes your payment and transfers funds to your vendor via ACH, wire, check mail, or virtual card, ensuring seamless transactions without extra fees for them.
Melio Payments vs Zil Money
Zil Money lets you efficiently manage cash and maintain a general ledger entry and Receivables ledger, which enables you to manage your finances effectively. Unfortunately,Melio Payments does not support cash management and receivables ledger maintenance.

Every Customer Review
is a Story of Trust

"
During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.