Real Time
Delivery
24/7/365
Available
0 Fees
on Eligible Wallet Payments*
Instant
Confirmation
*Zero transaction fees on eligible payments only when using Zil Money Wallet. RTP availability subject to recipient bank participation in RTP ® network and is subject to verification, limits and processing restrictions. Testimonials are individual customer experiences. Terms apply. Visit zilmoney.com terms and conditions.
Why use Zil Money for real-time payments?
Three reasons businesses are switching.
Real Time Delivery. Zero Fees.*
Money arrives real time*. Pre-load your Zil Money Wallet, pay zero fees on eligible transactions.*
Zero Fees with Wallet*
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Always Available
2 AM Saturday = 2 PM Tuesday. Same speed. Same zero fees on eligible wallet transactions.* No banking hours.
Zero Fees with Wallet*
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Instant Confirmation
Know the second they receive funds. No wondering. Complete certainty – real time.
Zero Fees with Wallet*
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Real situations where ‘real time’ matters.
Four urgent scenarios. One solution. Zero fees.*
Emergency Payment
Saturday equipment breakdown. Vendor needs payment to start repair. Real time payment solves it.
Zero Fees with Wallet*
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Time-Sensitive Deal
Supplier discount expires today. Competitor bidding too. Instant payment wins the deal.
Zero Fees with Wallet*
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After-Hours Crisis
Sunday night emergency. Can’t wait for Monday. Real-time payment works 24/7.
Zero Fees with Wallet*
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Relationship Critical
Key supplier needs immediate payment. 10 seconds preserves the relationship.
Zero Fees with Wallet*
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Four steps. Real time. Zero fees.*
From decision to delivery in under a minute.
Pre-load your Zil Money Wallet
Transfer funds from your bank to your Zil Money Wallet. This unlocks zero fees on eligible transactions* across all payment methods—not just real-time.
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Enter recipient details
Add recipient bank info and amount. System instantly verifies they can receive real-time payments. You’ll know before sending.
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Click send
One click. Payment transmitted immediately. Works at 2 AM Sunday same as 2 PM Tuesday. Zero fees from your wallet.*
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Receive confirmation
Funds arrive at recipient bank. You get instant confirmation. They get the money. Deal done.
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Who can receive real-time payments?
About 99.9% of U.S. banks participate—all major banks included.
How It Works:
Before you send:
System verifies recipient bank participation instantly.
If RTP available:
Real time delivery with zero fees on eligible wallet transactions*
➡ If RTP not available:
System shows alternatives:
- Same-day ACH (same business day, fees may apply)
- Standard ACH (1-2 business days, zero fees on eligible wallet transactions*)
- Digital check (recipient timeline, zero fees on eligible wallet transactions*)
Either way, you have options. Most at zero fees with wallet pre-loading.*
📈 Network Coverage: Approximately 99.9% of U.S. demand deposit accounts.
Simple, transparent pricing.
Two ways to send real-time payments. One obvious choice.
Most Popular — Best Value
Zil Money Wallet
Zero fees
on eligible RTP transactions*
⚙ How It Works:
Load your Zil Money Wallet from your bank account. Use wallet balance for real-time payments. Pay zero fees per transaction on eligible payments.*
✔ What You Get:
- Zero fees on eligible real-time payments*
- Zero fees on eligible standard ACH* (1-2 business days)
- Zero fees on eligible digital checks* (recipient timeline)
- 24/7/365 access to all methods
- Instant confirmation on all transactions
- Unlimited eligible transactions*
- No per-transaction charges on eligible payments*
- No monthly platform fees (with Business plan)
💲 Annual Savings Example:
50 urgent payments at $1.50 average = $75 saved annually*
200 ACH at $3 average = $600 saved annually*
50 checks at $7 average = $350 saved annually*
Total: $1,025+ saved annually
on eligible wallet transactions*
Bank Processing
Standard fees
RTP Processing Fees Apply
⚙ How It Works:
Connect your bank account and process real-time payments directly. Standard processing fees apply per transaction.
✔ What You Get:
- Real-time payment capability
- Approximately 10-second delivery
- Instant confirmation
- 24/7/365 availability
- All RTP features included
Your Volume
50 urgent payments/year
100 urgent payments/year
Plus regular ACH & checks
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Without Wallet
$75-100 in fees
$150-200 in fees
Additional fees per transaction
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With Wallet
Zero fees on eligible wallet transactions*
Zero fees on eligible wallet transactions*
Zero fees on eligible wallet transactions*
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💳 One wallet pre-load unlocks zero fees on eligible transactions across most payment methods.*
*Zero transaction fees on eligible real-time payments only when using Zil Money Wallet. Recipient bank must participate in The Clearing House RTP network. RTP delivery times are typically within seconds but may vary. Same-day ACH and wire transfer fees may apply even when using Zil Money Wallet. All services subject to approval, identity verification, and compliance requirements. Terms apply. Visit zilmoney.com terms and conditions.
How businesses actually use real-time payments.
Three real situations. Three different urgencies. Same zero-fee wallet solution.*
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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One wallet. Every payment method. Most at zero fees.*
Real-time payments are just one option your wallet unlocks.
Real-Time Payments
Speed: ~10 seconds
Wallet Cost: Zero fees on eligible transactions*
Best For: Critical urgency, after-hours needs, instant settlement
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Standard ACH
Speed: 1-2 business days
Wallet Cost: Zero fees on eligible transactions*
Best For: Regular payments, scheduled transfers, routine obligations
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Same-Day ACH
Speed: Same business day
Wallet Cost: Fees may apply
Best For: Faster than standard ACH, doesn’t require 10-second delivery
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Digital Checks
Speed: Recipient timeline
Wallet Cost: Zero fees on eligible transactions*
Best For: Traditional vendors, documentation needs, check requirements
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Wire Transfers
Speed: Same business day
Wallet Cost: Fees may apply
Best For: Large international payments, specific wire requirements
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💰 Choose the speed you need. Pay zero fees on eligible wallet transactions across most methods.*
Common questions about real-time payments.
Quick answers to help you decide.
Payments typically complete in about 10 seconds from click to confirmation. Fast enough to send payment during a phone call and have confirmation before conversation ends. You'll see instant confirmation once the payment is accepted by the recipient's bank through the RTP ® network.
Two options: (1) Pay standard RTP processing fees of $0.50-2.00 per transaction, or (2) Pre-load Zil Money Wallet and pay zero fees per eligible transaction.* Most businesses choose option 2. Same wallet also unlocks zero fees on eligible ACH* and check* payments.
Yes. Real-time payments work 24/7/365—nights, weekends, holidays. 2 AM Sunday = same speed and same zero wallet fees on eligible transactions* as 2 PM Tuesday.
System checks before you send and tells you immediately. If their bank doesn't participate (about 35% don't yet), you see alternatives: same-day ACH or standard ACH—most also zero fees when sent from wallet balance on eligible transactions.*
Real-time payments use bank-level security: 256-bit encryption, multi-factor authentication, fraud monitoring, SOC 2 certification. Once delivered and confirmed, RTP payments are final and cannot be reversed—both parties get certainty. Your wallet funds have the same protection as your bank account.
During submission (a few seconds), yes. After delivery confirmation, no — payment is final and irrevocable. This finality protects both parties. Recipient can trust the money. You can move on to the next task.
Limits depend on your account verification level and recipient bank limits. Most RTP transactions range from small amounts to several thousand dollars. Contact us for specific limits based on your business needs.
No. Your pre-loaded Zil Money Wallet unlocks zero fees on eligible transactions* across multiple methods: real-time payments, standard ACH, digital checks, and more. One wallet pre-load eliminates transaction fees across your payment operation on eligible transactions.*
Yes, transfer back to your bank account anytime. Wallet isn't a lock-in—it's a convenience. Most businesses keep 1-2 weeks of payment capacity in wallet, transfer more as needed.
Depends on your payment volume. Example: 100 real-time payments yearly at $1.50 average = $150 saved.* Plus, same wallet gives you zero fees on eligible ACH payments* (saving $3-5 each) and eligible checks* (saving $5-8 each). Total savings often exceed $1,000 annually for active businesses.*
Yes. All transactions are subject to verification, account approval, and compliance review. Real-time payments require both sender and recipient banks to participate in the RTP® network, and certain payments may be subject to limits or restrictions.*
Trusted by 1M+ businesses processing $100B+ annually
Real-time payment services are provided through Zil Money. Banking services are offered through FDIC member banks. Zero transaction fees on eligible real-time payments only when using Zil Money Wallet. Real-time payment delivery times are typically within seconds but may vary. Both sending and receiving banks must participate in The Clearing House RTP network. RTP network participation required for successful delivery. Not all banks participate in RTP network; alternative payment methods available when RTP not supported. Once confirmed delivered, real-time payments are final and irrevocable. Payment limits may apply based on account type and recipient bank. Processing times are estimates and may vary based on network conditions and participant bank systems. Same-day ACH and wire transfer fees may apply even when using Zil Money Wallet. All services subject to approval, identity verification, and compliance requirements. Security features help reduce risk but do not guarantee prevention of all fraud. Terms, conditions, fees, and eligibility requirements apply to all services. Visit zilmoney.com terms and conditions for complete details, current rates, RTP network participation information, and full terms and conditions.