$0 to Collect via ACH to Wallet*
$0 on Eligible Wallet Payments*
Pay Anyone with Credit Card Option
Trust Account Compatible
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 dataTwo ways to transform your firm’s payment economics.
The wallet strategy. The credit card strategy. Use both.
The Wallet Strategy: Zero Fees on Eligible Transactions
How It Works:
- Clients pay invoices via ACH → Funds arrive in wallet (zero collection fees*)
- Keep operating balance in wallet → Earn cash back on qualifying transactions*
- Pay contractors, vendors, expenses from wallet → Zero fees on eligible payments*
What You Save:
- Traditional collection: 2.9-3.5% per client payment
- Traditional contractor payments: $3-5 per transaction
- Result: Keep 100% of ACH revenue + pay eligible expenses with zero fees
Impact: Revenue collection and eligible expense payments both become cost-neutral
Footnote:Zero fees on eligible wallet payments only. See terms for eligibility requirements.
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The Credit Card Strategy: Ultimate Cash Flow Flexibility
How It Works:
- Pay any contractor, vendor, or expense with your business credit card
- Even if they don’t accept cards—we pay them via ACH, wire, or check
- Card payment due 30-45 days later
- Earn rewards based on your card terms
What You Gain:
- Bridge timing gaps between client billing and payment
- Cover expert witness fees before client reimbursement arrives
- Float operating expenses during slow collection periods
- Result: Pay everyone on time regardless of cash position
Impact: Never delay payments due to cash flow—just smart timing
Footnote:Credit card processing fees apply. Standard rates vary by transaction type and payment method.
← ••• →
Use wallet for eligible zero-fee payments.* Use credit card for flexibility. Switch based on need.
Scenario 1: Steady Cash Flow
Situation: Clients paid on time, wallet has operating balance
Strategy: Pay contractors and vendors from wallet
Fees: Zero on eligible wallet payments*
Benefit: Pure cost savings on qualifying transactions
Note:Eligibility requirements apply. See terms for complete details.
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Scenario 2: Timing Gap
Situation: Large expert witness fee due before client payment arrives
Strategy: Pay expert with business credit card
Fees: Standard credit card processing (earn rewards)
Benefit: Expert paid immediately, card bill due after client pays you
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Scenario 3: Month-End Crunch
Situation: Multiple contractor payments due, client payments coming next week
Strategy: Pay contractors with credit card, collect to wallet next week
Fees: Credit card processing upfront (earn rewards), future eligible wallet payments free*
Benefit: Everyone paid on time, no relationships damaged
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The Smart Firm Approach:
Use Wallet When:
Cash flow is steady → Zero fees on eligible payments*
← ••• →
Use Credit Card When:
Need flexibility → 30-45 day float + rewards earned
← ••• →
Result:
Financial flexibility + cost optimization on qualifying transactions + professional relationships protected
← ••• →
What changes with Zil Money.
Client Payment Collection:
Before Zil Money:
- Accept credit cards: Lose 2.9-3.5% per payment
- Accept checks: Wait for mail, deposit delays, no integration
- Wire transfers: Client pays fees, you pay fees, friction everywhere
With Zil Money:
- Client pays via ACH to your wallet: Zero collection fees*
- Payment integrated into invoice: Client clicks, pays, done
- Funds available in days: Use for eligible expenses immediately with zero fees*
Impact: Keep 100% of ACH payments collected to wallet*
Footnote: Zero fees on ACH to wallet and eligible outgoing wallet payments. Terms apply.
← ••• →
Contractor & Vendor Payments:
Before Zil Money:
- Bank ACH: $3-5 per payment
- Bank wire: $15-50 per payment
- Checks: Time + materials + postage
- Limited by cash in bank: Can’t pay until client pays you
With Zil Money:
- Pay from wallet: Zero fees on eligible payments*
- Pay with credit card: Float 30-45 days + earn rewards (processing fees apply)
- Bulk processing: Everyone paid in minutes
- Never limited by timing: Credit card bridges gaps
Impact: Eligible expense payments become free or payments become flexible via credit card
Footnote: Zero fees on eligible wallet payments only. Credit card processing fees apply. Eligibility requirements and terms at zilmoney.com/terms.
← ••• →
Everything professional firms need.
Client Payment Collection (Zero ACH Fees to Wallet)*
Create professional invoices with integrated “Pay Now” buttons. Clients pay via ACH to your wallet—you collect with zero transaction fees.* Time-based billing, expenses, disbursements all included.
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Wallet Payment Processing (Zero Fees on Eligible Transactions)*
Use wallet balance to pay contractors, vendors, court costs, expenses. Zero fees on eligible wallet payments.* Bulk processing available. Complete documentation for client billing.
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Credit Card Payment Option
Pay any contractor or vendor with your business credit card—even if they don’t accept cards. We pay them via ACH, wire, or check. You get 30-45 day float + rewards. Standard credit card processing fees apply.
← ••• →
Eligibility requirements apply to zero-fee wallet payments. Visit zilmoney.com/terms
Trust Account Management
Proper segregation of client trust funds from operating funds. Complete documentation for bar audits. Transaction tracking by client and matter.
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Automated 1099 Management
Automatic tracking of all contractor payments (wallet or credit card). Generate 1099-NEC and 1099-MISC forms at year-end with one click. IRS-ready documentation.
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Retainer Billing Automation
Set up once, collect automatically forever. Client authorizes payment method, system charges monthly via ACH. Zero collection fees to wallet per charge.* Predictable revenue for planning.
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Your operating account, optimized for eligible transactions.
How The Wallet Works:
Step 1:
Collect with Zero Fees* Clients pay invoices via ACH → Funds arrive in wallet → Zero collection fees* → Keep 100% of billable value
← •••• →
Step 2:
Keep firm operating balance in wallet → Earn cash back on qualifying transactions* → Working capital earns instead of sitting idle
← •••• →
Step 3:
Pay with Zero Fees on Eligible Transactions* Use wallet balance for contractors, vendors, expenses → Zero fees on eligible
← •••• →
Or Step 3 Alternative:
Pay with Credit Card Use credit card for any payment when you need flexibility → 30-45 day float + rewards → Credit card processing fees apply
← •••• →
The Flexibility:
You choose wallet (zero fees on eligible*) or credit card (flexibility + rewards, fees apply) based on your current cash position. Not locked into one approach.
Zero fees apply to ACH payments collected to wallet and eligible outgoing payments from wallet only. Not all payments qualify for zero fees. Eligibility requirements, terms, and conditions apply. Visit zilmoney.com/terms for complete eligibility details.
Pay anyone with credit card. Even if they don’t accept cards.
Perfect For:
Expert Witness Fees: Pay expert fee with card, client reimburses later, card bill due after reimbursement
← •••• →
Retainer to Co-Counsel: Pay retainer to specialist attorney, float the timing gap
← •••• →
Court Costs & Filing Fees: Pay immediately to meet deadlines, bill client later
← ••••• →
Seasonal Staffing: Cover tax season preparers before revenue surge
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Project Start-Up Costs: Fund initial expenses before client advances arrive
← ••••• →
How It Works:
You pay Zil Money with your credit card → We pay contractor/vendor via their preferred method (ACH, wire, check) → They get paid immediately → Your card bill due 30-45 days later
Note: Standard credit card processing fees apply to all credit card payments.
The Math:
Credit card processing fee (typically ~2.9%) vs. value gained:
- 30-45 day cash flow float
- Rewards earned (1.5-2% typical on business cards)
- Relationships protected (everyone paid on time)
- Opportunities captured (never delay engaging experts)
Strategic value often exceeds fee cost
Understanding both strategies.
Zero fees apply to specific payment types made from your Zil Money Wallet balance. Not all payment methods and transaction types qualify for zero fees. Complete eligibility requirements, limitations, and terms are available at zilmoney.com/terms. Contact support for specific transaction eligibility.
Use wallet when you have operating balance and the payment qualifies for zero fees.* Use credit card when you need flexibility, timing is tight, or the payment doesn't qualify for wallet zero fees. Most firms use both strategically based on current cash position and transaction type.
On eligible wallet payments:* Save the 2.9-3.5% typically charged for credit card collections. Save the $3-5 per ACH transaction typically charged by banks for outgoing payments. Savings apply only to qualifying transactions. Actual savings vary based on your eligible payment volume.
Standard credit card processing fee applies (typically ~2.9%, varies by transaction type and payment method). Compare this to: 30-45 day float value, rewards earned (typically 1.5-2%), ability to pay everyone on time, opportunities not missed. Strategic value often exceeds fee cost.
Yes. Use wallet for eligible payments (zero fees*), credit card for other payments or when you need flexibility (processing fees apply). Choose based on your current cash position, transaction eligibility, and timing needs. Complete flexibility.
Yes. Zero fees apply only to eligible payment types made from Zil Money Wallet. Eligibility requirements, transaction limits, and terms apply. Visit zilmoney.com/terms for complete details on eligible vs. ineligible transactions.
Clear pricing for both strategies.
Client Payment Collection (Zero ACH Fees to Wallet)*
Client ACH collections to wallet
$0 per transaction*
Eligible contractor/vendor payments from wallet
$0 per qualifying transaction*
Operating balance in wallet
Earn cash back on qualifying transactions*
Important: Not all payment types eligible for zero fees. See terms.
← ••• →
Credit Card Strategy
Credit card payments
Standard processing rates
(typically ~2.9%)
Rate varies by transaction type and payment method
Value received:
- 30-45 day float
- Card rewards
- Timing flexibility
← ••• →
Platform
Setup
Free
Invoice creation
Unlimited
Payment processing
Choose wallet (zero fees on eligible*) or card (flexibility, fees apply)
Enterprise Ready
- Advanced reporting
- API access
- Priority support
← ••• →
Zero-fee eligibility requirements, limitations, terms, and conditions apply. Complete pricing details and eligibility requirements available at zilmoney.com/terms.
The Wallet Approach:
- Collect client ACH payments to wallet: Zero fees*
- Pay contractors and vendors from wallet: Zero fees on eligible payments*
- Keep operating balance earning: Cash back on qualifying transactions*
- Result: Revenue and eligible expenses both optimized
← •• →
The Credit Card Approach:
- Pay any contractor or vendor with card: Even if they don’t accept cards
- 30-45 day float on every payment: Timing flexibility
- Earn rewards on all payments: Based on your card terms
- Result: Never limited by cash timing (processing fees apply)
← •• →
Zero Fees on Eligible Wallet Payments*
Credit Card Flexibility Available
Trust Account Compatible
SOC 2 Certified
*Zero transaction fees apply only to: (1) ACH payments collected to Zil Money Wallet, and (2) eligible outgoing payments made from Zil Money Wallet balance. Not all payment types, methods, or transactions qualify for zero fees. Eligibility requirements, transaction limits, terms, conditions, and restrictions apply. Credit card processing fees apply to all credit card payments and vary by transaction type and payment method. Cash back rewards earned on qualifying transactions when funds kept in Zil Money Wallet, subject to program terms and eligibility. Professional service firms are responsible for maintaining compliance with applicable professional responsibility rules and trust account requirements. Complete eligibility details, pricing, terms and conditions available at zilmoney.com/terms.
Zil Money is a financial technology company, not a bank. Banking services provided through partnerships with FDIC member banks.