Send Money by ACH, Wire, Check, or Credit Card

Send money by ACH, wire transfer, mailed check, or eCheck – all from one account.

Fund any payment from your bank account or a business credit card.

Pay vendors, contractors, and employees in the US and internationally.

Pick your method below based on how fast the money needs to land.

Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.

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Seamless Vendor Payments, Anytime, Anywhere.

1M+

 

online business
accounts

100B+

 

transaction
value

16M+

 

checks
processed

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Branded Checks, Mailed Instantly

Create custom checks in seconds with an easy drag-and-drop tool. Add your logo, fonts, and background, then mail them instantly to your payees.

A Man Holding a Tablet to Pay Payments. Easy Invoice Payment Process
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Ways to Send Money With Zil Money

Start with what you have. If you know the recipient's bank details, send by ACH or wire. If all you have is a mailing address or an email, send a check. Every method below can be funded from your bank account or a business credit card.

Method What You Need Recipient Gets Best For
ACH Routing and account number A deposit in their bank account Routine vendor and contractor payments
Same Day ACH Routing and account number A same-day deposit in their bank account Payments that are already running late
Wire transfer Routing and account number Confirmed funds, same business day Large amounts and closings
International payment Bank details plus IBAN or SWIFT code A deposit in their local currency Vendors outside the US
Check by mail A mailing address A printed check delivered by USPS or FedEx Recipients who won't share bank details
eCheck An email address A check they print and deposit themselves Skipping the wait for mail
Credit card funding A business credit card Whichever method above you pair it with Paying before cash lands in your account

Delivery times and fees vary by method, cutoff time, and destination. See the individual pages linked above, or check current pricing before you send.

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Send to a Bank Account

 

If you have the recipient’s routing and account number, send the money straight to their bank.

ACH is the everyday option – vendor invoices, contractor pay, rent, subscriptions.
Same Day ACH clears faster when a payment is already running late.
A wire transfer gives the recipient confirmed funds and suits large amounts like closings and equipment purchases.

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Send Without Bank Details, or Send Abroad

 

Some recipients won’t share bank details. Zil Money prints and mails a paper check for you, or emails an eCheck they print and deposit
themselves. You never handle check stock, envelopes, or stamps.

Paying outside the US works the same way – add the recipient’s bank details plus an IBAN or SWIFT code and they receive the money in their local currency.

Any of these can be funded with a business credit card instead of your
bank balance.

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Why Zil Money!

A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment

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Transparent Check Mailing

 

Send multiple checks at once with the group check mailing feature. Payees are instantly notified via email or SMS when their check is mailed, ensuring transparency and trust.

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Frequently asked questions

No. You send from your account and the recipient receives the payment however you chose to send it - a bank deposit, a mailed check, or an emailed eCheck. They don't sign up for anything.
Yes. Bulk pay lets you send a batch of payments in one go instead of entering them one at a time - useful for a full round of vendor invoices or contractor payments.
Yes. Mark a payment as recurring and Zil Money sends it on the schedule you set, so you're not re-entering the same rent or subscription payment every month.
Yes. Every payment shows its current status in your account, and mailed checks are tracked through USPS or FedEx so you can see where the check is.
Yes. Zil Money connects with QuickBooks and other accounting tools, so payments carry across without manual re-entry.