SOC 1 Certification
Reduced risk of financial misstatements
SOC 2 Certification
Data integrity assurance
GDPR Compliance
Enhanced user privacy rights
PCI DSS Compliance
Protection against data breaches
ISO 27001 Certification
Risk-based approach to security
ISO 20000 Certification
Efficient service delivery processes
ISO 9001 Certification
Customer-centric operations
CCPA Compliance
User control over personal data
NIST 800-53 Compliance
Federal-level data protection
HIPAA Compliance
Privacy protection for patient dataHandle both sides of your payment operations.
Accounts Payable:
Pay Your Vendors & Staff
Medical Supplier Payments
Pay pharmaceutical suppliers, equipment vendors, lab services via ACH, wire, or check. Bulk payment processing for multiple vendors.
Staff Payroll
Process payroll on time—even during insurance reimbursement delays. Pay by credit card to bridge cash flow gaps. Automated recurring payroll.
Facility & Operations
Rent, utilities, insurance, maintenance contracts. Automate recurring payments. Track all operational expenses in one place.
Accounts Receivable:
Collect from Patients
Payment Plans
Offer flexible payment plans for high-deductible patients. Automated recurring collections. Reduce billing office workload.
Digital Invoicing
Create and send professional invoices with integrated payment options. Track outstanding balances. Automated payment reminders.
Operational efficiency for healthcare finance.
Cash Flow Management During Reimbursement Delays
Insurance reimbursements take 30-90 days. Your vendors and staff can’t wait. Pay operational expenses by credit card to extend cash flow 30-45 days. Keep practice running smoothly while waiting for claims to process.
Complete Payment Tracking & Reporting
Every vendor payment, payroll transaction, and patient collection tracked automatically. Integration with QuickBooks, practice management systems. Export reports for accounting. Perfect for tax time and financial planning.
Reduce Billing Office Administrative Burden
Stop chasing patient payments manually. Send payment links patients can complete in seconds from their phone. Automated reminders. Payment plan tracking. Your billing staff focuses on insurance claims, not patient phone calls.
HIPAA-Compliant Security
All patient data and payment information protected with bank-grade encryption. HIPAA-compliant infrastructure. SOC 2 certified security. Your patients’ financial and health information stays secure.
For Accounts Payable (Paying Out):
ACH & Wire Transfers
Pay medical suppliers, vendors, and contractors. Same-day ACH available for urgent payments.
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Payroll by Credit Card
Process staff payroll using business credit card during cash flow gaps. Extend payment timing while ensuring staff paid on time.
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Check Printing & Mailing
Print checks on-demand with practice branding. Mail checks for $1.25 each. Positive Pay fraud protection.
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Bulk Vendor Payments
Pay multiple suppliers simultaneously. Upload payment file. Process everything at once.
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For Accounts Receivable (Collecting):
Payment Links
Send secure links via text/email. Patients complete payment without logging in. Works on any device.
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Payment Plans
Set up instalment plans for patients with high balances. Automated recurring collections. Reduce bad debt.
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Digital Invoices
Professional invoices with integrated payment buttons. Track sent/viewed/paid status. Automated reminders.
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Multiple Payment Methods
Accept ACH, credit cards, debit cards, eChecks. Patients choose their preferred method.
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Works with your existing healthcare software.
Practice Management Systems
Integrate with your PM system. Patient payments automatically recorded. Vendor payments tracked. Eliminates double-entry.
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Accounting Software
QuickBooks, Xero, Sage Intacct integration. All transactions sync automatically. Clean financials for tax prep and financial planning.
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Electronic Health Records (EHR)
For practices using integrated systems, payment data flows seamlessly. Patient financial information stays coordinated with clinical records.
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Every Agency. Every Payment. One Secure Platform.
County & Municipal:
Vendor payments, payroll, utility billing, citizen refunds, department budgets
→ Multi-department access, budget tracking, citizen portals, bulk disbursements
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State Agencies:
Grant disbursements, vendor contracts, employee reimbursements, interagency transfers
→ Grant tracking, approval workflows, federal reporting, fund segregation
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School Districts:
Teacher/staff payroll, vendor payments, transportation contracts, cafeteria operations
→ Departmental budgets, recurring payments, simple interface, contractor management
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Public Utilities:
Contractor payments, equipment procurement, infrastructure projects, citizen deposits
→ Project tracking, urgent payment capabilities, refund processing
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Special Districts:
Limited staff, volunteer stipends, equipment maintenance, emergency purchases
→ Simple workflows, minimal training, mobile access, grant documentation
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Enterprise solutions for health systems and large practices.
Enterprise API Integration
Custom integration with your healthcare IT infrastructure. Embed payment capabilities directly into your systems. Complete API documentation and sandbox environment.
Use Cases:
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Multi-location practice management
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Hospital system vendor payments
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Healthcare marketplace platforms
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Medical billing service providers
Capabilities:
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User & account management
- Payment processing across all methods
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Approval workflow configuration
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Real-time payment tracking
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Comprehensive reporting & analytics
White Label Solutions
Healthcare organizations can offer branded payment experiences to patients and providers. Your branding, our payment infrastructure.
Benefits:
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Complete brand control
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Custom patient portal
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Integrated with your systems
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Scalable for growth
WHO THIS IS FOR
Solo & Small Practices
Simple payment solution. Pay vendors and staff. Collect from patients. No complex enterprise features needed.
→ Easy setup, affordable pricing, complete functionality
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Multi-Provider Practices
Multiple doctors. Larger staff. More vendors. Need automation and tracking.
→ Bulk payments, automated payroll, patient payment plans
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Specialty Practices
Dental, Dermatology, Ophthalmology, Physical Therapy—practices with high patient-pay portions.
→ Strong patient payment tools, flexible payment plans
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Multi-Location Health Systems
Multiple facilities. Centralized financial management. Enterprise requirements.
→ API integration, custom workflows, white label options
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Medical Billing Services
Process payments for multiple provider clients. Need scalable infrastructure.
→ Enterprise API, bulk capabilities, client management
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Operational efficiency for healthcare finance.
Bridging Insurance Reimbursement Delays
Challenge: Insurance takes 60+ days to pay. Vendors need payment now.
Solution: Pay vendors by credit card. Get 30-45 days before card payment due. Insurance reimbursement arrives before card payment due.
Multi-Vendor Medical Supply Payments
Challenge: 20+ different medical suppliers. Manual checks each month.
Solution: Upload all vendor payments in one file. Process everything simultaneously. Complete tracking.
High-Deductible Patient Collections
Challenge: Patients owe $2,000-$5,000 after insurance. Can’t pay upfront.
Solution: Send payment link with payment plan option. Patient sets up $200/month. Automated collections. Reduce bad debt.
Staff Payroll During Cash Crunches
Challenge: Payroll due but insurance reimbursements delayed.
Solution: Process payroll by credit card. Staff paid on time. Practice maintains operations. Card payment due when insurance arrives.
Healthcare-grade security and compliance.
HIPAA Compliance
Complete HIPAA compliance for all patient payment data. Protected health information secured with industry-leading encryption. Business Associate Agreement available.
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SOC 2 Type II Certification
Independently audited security controls. Annual verification of data handling and operational procedures.
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PCI DSS Compliance
Full compliance for all card transactions. Patient payment data never stored on your systems—tokenized and secured.
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Bank-Grade Encryption
256-bit AES encryption for all payment and patient data. Same security standards used by major financial institutions.
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FDIC Partner Banks
Banking services through FDIC member banks. Patient and practice funds protected.
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Transparent pricing for medical practices.
For Small-Medium Practices:
- Competitive per-transaction fees for ACH, wires, cards
- Check mailing: $1.25 per check
- Credit card payroll: Standard processing fee
- Patient payment processing: Competitive card rates
- No monthly platform fees
- No setup fees
- No contracts
For Enterprise/Large Systems:
- Custom API pricing based on volume
- White label solutions available
- Volume discounts for high transaction counts
- Dedicated account management
- Priority support and implementation
For Small-Medium Practices:
- Quick setup
- Connect bank accounts
- Import vendor list
- Train billing staff
- Start processing payments
For Enterprise/Large Systems:
- Discovery & Requirements
- API Integration Planning
- Sandbox Testing
- Pilot Program
- Phased Rollout Across Locations
- Ongoing Support & Optimization
Common questions.
Yes. Complete HIPAA compliance for all patient payment data. BAA available. SOC 2 Type II certified. All patient information protected with bank-grade encryption.
Yes. Process payroll using your business credit card—helpful during cash flow gaps while waiting for insurance reimbursements. Standard credit card processing fee applies.
Send secure payment link via text or email. Patient clicks link, enters payment details, completes payment. No login required. Works on any device. Funds deposited to your account.
We integrate with major PM systems. Patient payments automatically recorded. Vendor payments tracked. API integration available for enterprise systems.
Yes. Offer flexible payment plans for high-balance patients. Set up recurring automatic payments. Reduce billing office workload and bad debt.
Upload CSV file with all vendor payments. System processes everything simultaneously. Perfect for practices paying multiple medical suppliers monthly.
Yes. Enterprise Financial API available for large health systems, multi-location practices, and medical billing service providers. Custom integration with your systems.
Small-medium practices: A few minutes to few days based on case to case. Enterprise systems with custom API integration: 1 - 4 weeks depending on complexity.
Pay Vendors & Staff Efficiently
Collect from Patients Faster
Integrate with Your Systems
Every day without streamlined payments means:
✗ Hours wasted on manual payment processing
✗ Cash flow gaps from insurance reimbursement delays
✗ Patient payments lost to complex billing processes
✗ Staff time diverted from patient care to payment admin
Positive Pay service helps prevent check fraud by matching presented checks against your authorized check register. Protection requires accurate and timely submission of check details to bank. Zil Money automatically transmits check details when checks are issued through the platform. Bank verification and timing vary by financial institution. Fraud prevention effectiveness depends on timely exception review and decision-making. Positive Pay helps reduce fraud risk but does not guarantee prevention of all fraud. Some banks charge separate fees for Positive Pay services—contact your bank for specific pricing. Setup timing varies based on bank coordination requirements. Business owner responsible for reviewing exception notifications and making approval or rejection decisions. Banking services provided through FDIC member banks. All services subject to approval, identity verification, and terms of service. Visit zilmoney.com terms and conditions for complete details.