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payment Terms

Payment Terms

1. Credit Card Processing & Rewards

  • Credit card processing fees apply.
  • Credit card processing fees apply to vendor and payroll credit card payments.
  • Rewards earned based on your card terms.

Cash-flow extension timing varies by card billing cycle.

2. ACH Processing & Cut-Off Times

  • Same-day ACH processing fees may apply.
  • Payments subject to cut-off times.
  • Processing times are estimates and may vary based on submission time, financial institution processing schedules, and ACH network operating hours.
  • Same-day ACH has specific cutoff times throughout the day. Payments submitted after the final cutoff will process the next business day.
  • Direct bank processing subject to standard ACH fees.

Platform access for ACH features may require an eligible Business plan. Terms apply.

3. Real-Time Payments (RTP)

  • RTP availability subject to recipient bank participation in the RTP® network and is subject to verification, limits, and processing restrictions.
  • Recipient bank must participate in The Clearing House RTP network.
  • RTP delivery times are typically within seconds but may vary.

Terms apply.

4. Wire Transfers

  • Same-day delivery for wires sent before cutoff time.
  • Wire transfer fees apply.

Terms apply.

5. International Payments

  • International payment costs vary by destination and amount.
  • Volume discounts available.

Terms apply.

6. Card & Payment Processing Variability

  • Card processing fees apply to all card transactions and vary by card type, transaction amount, and business type.
  • Same-day ACH and wire transfer fees may apply even when using Zil Money Wallet.

Terms apply.

7. Security & Compliance

  • Secured with advanced encryption and authentication protocols.
  • All services subject to approval, identity verification, and compliance requirements.

8. Testimonials & Metrics

  • Testimonials are individual customer experiences.
  • Results may vary.

9. Regulatory & Banking Disclosures

  • Zil Money is a fintech, not a bank.
  • FDIC insurance is provided through partner bank Texas National Bank, where applicable by deposit type.

10. Terms & Conditions Access

For full details, users must visit:

zilmoney.com Terms and Conditions