Zero ACH Collection Fees*
Integrated Payment Buttons
Automated Recurring Billing
Get Paid Days Faster
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 dataThree things that actually matter.
Keep more of what you bill. Get paid faster. Never chase payments again.
Keep 100% of What You Bill
Send invoices with payment buttons. Clients pay via ACH—you collect with zero transaction fees.* Traditional payment processing costs 2.9-3.5% per transaction. You keep every dollar you earned.
Impact: Payment collection becomes profit-neutral instead of profit-draining
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Get Paid Days Faster
Invoices with “Pay Now” buttons get paid immediately. No waiting for clients to “process next week.” No checks in mail. Click, pay, done. Payment friction eliminated.
Impact: Cash arrives when you need it, not when clients remember
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Automate What Repeats
Recurring retainers? Subscriptions? Monthly services? Set up once, collect automatically forever. Zero manual invoicing. Zero chasing. Zero ACH fees per charge.*
Impact: Predictable revenue without any effort
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Everything you need, nothing you don’t.
Professional Invoices
Create branded invoices in minutes. Your logo, your colours, your terms. Line items, taxes, discounts—all there. Professional appearance builds trust and speeds payment.
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Integrated Payment Buttons
Every invoice includes “Pay Now” button. Clients click, choose ACH or card, pay in seconds. No separate portal. No friction. Just fast payment.
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Payment Links
Set up monthly retainers, subscriptions, or ongoing services once. System charges automatically. Client authorizes once, you collect forever. Zero ACH fees per charge.*
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Zero-Fee Wholesale Collections
Quick payment requests without full invoices. Send via email, text, anywhere. Perfect for deposits, milestones, or ad-hoc charges.
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Automated Reminders
System sends professional payment reminders before and after due dates. You never have to chase. Clients get gentle nudges automatically.
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Client Payment Portal
Clients access their own portal to view invoices, payment history, upcoming charges. Self-service reduces your admin time significantly.
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Collect for free. Pay for free. Earn while you hold.
Collect with Zero Fees*
Clients pay invoices via ACH → Funds arrive in your wallet → Zero collection fees* → Keep 100% of what you billed
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Hold and Earn
Keep operating balance in wallet → Earn cash back on qualifying transactions* → Your working capital earns instead of sitting idle
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Pay with Zero Fees*
Use wallet balance for business expenses → Pay contractors, tools, services → Zero fees on eligible wallet payments* → Complete cycle optimization
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The Complete Cycle:
Revenue in (zero fees*) → Balance earns while held* → Expenses out (zero fees on eligible payments*) → Repeat
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Result: Payment collection and payment processing both become cost-free
Service businesses that bill clients.
Consultants & Freelancers
Project invoicing, professional appearance, zero collection fees,* simple setup
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Creative Agencies
Retainer automation, project billing, team contractor payments, branded invoicing
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SaaS Companies
Subscription billing, failed payment recovery, recurring revenue optimization, customer portal
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Professional Services
Detailed invoicing, retainer management, trust account compliance, documentation
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IT & Technical Services
MSP recurring billing, project invoicing, B2B clients prefer ACH, PSA integration
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Marketing Agencies
Monthly retainers automated, campaign invoicing, zero fees* protect margins, client retention
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Bill once. Collect forever.
Perfect For:
Monthly retainers
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Subscription services
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Ongoing maintenance
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Membership fees
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Anything that repeats
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How It Works:
Client authorizes payment method once → System charges automatically on schedule → You receive payment → Client receives receipt → Zero manual work after setup
The Benefit:
Predictable revenue. Zero admin time. Zero ACH fees per charge.* Improved client retention because payment friction disappears.
Works with what you use.
Time Tracking:
Harvest • Toggl • Clockify
Import billable hours directly into invoices
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Accounting:
QuickBooks • Xero • FreshBooks • Wave
All invoices and payments automatically synced
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CRM:
HubSpot • Salesforce • Pipedrive
Client payment history visible in your CRM
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Communication:
Email • SMS • Slack
Send invoices and payment links via any channel
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Professional-grade protection.
PCI DSS Compliant
Full compliance for client card payments
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SOC 2 Type II Certified
Independently audited security controls
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Bank-Level Encryption
256-bit AES for all payment data
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FDIC Partner Banks
Banking services through FDIC member banks
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What you need to know.
Present ACH as the default/recommended payment option in your invoices. Most B2B clients actually prefer ACH for business payments. Keep card as backup option.
Yes. Client authorizes payment method once. System automatically charges on schedule. Client receives invoice/receipt. You receive payment. Zero manual work after initial setup.
System automatically retries failed payments on optimized schedule. Client receives automatic notifications with update links. Significantly reduces involuntary churn.
When clients pay via ACH to your Zil Money Wallet, keep funds in wallet to earn cash back on qualifying transactions.* Use wallet balance to pay contractors, tools, expenses with zero fees on eligible payments.*
Yes. Create multiple branded templates for different service types or client types. Save templates for quick reuse.
Basic setup: Minutes. Create first invoice: Minutes. Set up recurring billing: Minutes per client. Integration with accounting software: Super-Fast. Start collecting: Same day.
Straightforward pricing.
Core Platform
Free
to start
ACH collections to wallet:
$0 per transaction*
Credit card collections:
Standard processing rates
Recurring billing:
No additional charges
Invoice creation:
Unlimited
Payment reminders:
Automated, included
What You Keep:
100% of ACH payments (zero collection fees*)
Time previously spent on invoicing admin
Cash flow improvement from faster payment
Professional business appearance
Traditional Approach:
- Lose 2.9-3.5% per invoice to payment processing
- Wait weeks for clients to pay
- Chase clients manually for late payments
- Manually create invoices each billing cycle
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Zil Money Approach:
- Collect via ACH with zero fees*
- Clients pay in days with integrated buttons
- Automated reminders eliminate chasing
- Recurring billing runs on autopilot
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Zero ACH Collection Fees*
Used by 1M+ Businesses
$100B+ Processed
SOC 2 Certified
*Zero transaction fees on ACH payments collected to Zil Money Wallet only. Credit card processing fees apply. Cash back rewards earned on qualifying transactions when funds kept in Zil Money Wallet. Terms and conditions apply. Visit zilmoney.com/terms for complete details.
Zil Money is a financial technology company, not a bank. Banking services provided through partnerships with FDIC member banks.