Running payroll is essential—but the way payroll checks are issued can quietly eat into the bottom line. For many teams, using pre-printed check stock, manual processing, or outsourced services may seem like the standard approach. But these methods come with hidden costs that build up fast.
In most cases, the real inefficiency doesn’t come from how much is paid to employees—it’s how those payments are delivered. Some of the most common issues include:
- Repeated spending on pre-printed checks
- Limited ability to update or customize formatting
- Delays caused by mailing or external providers
- Lack of flexibility when choosing how to pay
- Manual errors that result in time-consuming corrections
That’s why many organizations are turning to payroll checks from Zil Money—a modern, customizable solution that simplifies payroll and helps reduce operational overhead.
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Moving Away from Expensive Pre-Printed Checks
Traditionally, payroll checks have been processed using pre-printed stock. 51% of businesses still use spreadsheets and manual processes. It works, but it’s far from efficient. These checks cost more per sheet, need to be stored securely, and often go to waste when details like addresses or formatting change. Any updates usually require a full reorder.
The platform takes a different approach. It allows payroll checks to be printed on blank stock paper using any standard printer. The result? A fast, flexible process that can cut payroll check costs by up to 82%—with no sacrifice in quality or compliance.
Custom Checks That Match Your Brand
Today’s customers and stakeholders expect a personalized experience—even in routine transactions. In fact, over 71% of consumers expect businesses to deliver tailored interactions, underscoring the growing importance of brand consistency across every touchpoint, including payroll checks.
Zil Money makes it easy to create payroll checks that reflect the brand’s identity. With a simple drag-and-drop tool, logos, fonts, colors, and signatures can be added or adjusted in minutes—no design experience required.
This flexibility eliminates the need for external design services or pre-printed custom stock. Everything can be handled in-house, allowing checks to stay consistent with the brand’s look and feel—no delays, no extra cost.
Delivery Options That Work for Every Team
Today’s workforce isn’t tied to one location—and payroll delivery methods should reflect that. The platform offers multiple ways to send payroll checks, including:
- Print In-House: Use blank paper to print checks on demand
- Mail Checks: Schedule check delivery through USPS or FedEx
- eChecks: Send checks via email as secure, one-time-use PDFs
Whether a team is fully remote, hybrid, or split across locations, payroll can be delivered without delays or added effort. These options also eliminate the need for courier coordination or mailing supply management.
Flexible Funding with Credit Card Support
Zil Money offers the option to fund payroll using a credit card, providing more flexibility when managing cash flow. Even if recipients don’t accept card payments directly, the platform ensures the process runs smoothly.
Key features include:
- Fund payroll using a credit card instead of relying solely on available cash
- Recipients don’t need to accept cards—the platform delivers the payment as an ACH or wire transfer
- Supports on-time payroll processing during tight cash flow periods
- No disruption to recipients—they receive payment in their preferred format
- Adds flexibility and control over how and when payroll is funded
This feature is especially useful for teams that want to maintain smooth payroll operations without compromising on timing or liquidity.
Seamless Integration with Payroll Tools
The platform is built to fit right into the tools teams are already using. Instead of re-entering payroll details or exporting complicated files, data can be pulled in directly—saving time and reducing errors.
It also supports multi-user access, role-based permissions, and simple approval workflows, so teams can collaborate smoothly while staying organized and secure. The best part? There’s no need to change existing processes. It just works with what’s already in place.
Built-In Security and Transparency
All payroll checks printed through the platform follow U.S. formatting standards. MICR technology ensures machine-readability, and features like Positive Pay help reduce the risk of fraud. Audit trails, receipt confirmations, and digital delivery options also increase visibility into where checks are, when they’re sent, and who’s been paid. That level of control supports better transparency and helps minimize the risk of compliance issues down the line.
Cost Reduction Without Compromise
Many organizations underestimate the true cost of payroll until they compare systems side by side. Traditional methods involving pre-printed checks, mailing logistics, and manual tracking can lead to inflated overhead that feels unavoidable. The platform helps change that. By printing checks on blank stock or sending them electronically, payroll becomes more cost-efficient from day one. Beyond the savings in materials, teams also benefit from less administrative burden and fewer processing delays.
Conclusion
Payroll doesn’t need to be expensive or complicated. With payroll checks from Zil Money, it’s possible to modernize the entire process—without losing control, delaying payouts, or increasing workloads.
From custom design and instant check printing to flexible delivery and credit card funding, the platform offers a smart way to simplify operations and reduce costs—while staying professional and efficient at every step.
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