How Zil Money compares on card payments, checks, and flat fees

Zil Money is usage-based: pay per transaction, with two plan options - Pay-As-You-Go ($30 initial recharge) or Custom pricing for Business and Enterprise customers. In contrast, BILL is seat-based, with a per-user monthly subscription starting at $49 (Essentials) and rising to $65 (Team), $89 (Corporate), and custom pricing on Enterprise. On top of that, expect $0.59 per ACH, $1.99 per mailed check, and $19.99 per international USD wire.

According to BILL’s published product documentation, the Pay By Card feature is scoped to vendor bill payments only. Since BILL is not a payroll provider, funding payroll with a credit card sits outside its product scope. Zil Money is also not a payroll provider, but it integrates with the payroll software you already use (ADP, Gusto, Paychex, QuickBooks Payroll, and others) and lets you fund those payroll runs with a business credit card at approximately 2.9%. Employees still receive direct deposit as normal.

Not in-platform. Instead, BILL mails paper checks on your behalf for $1.99 per check. To print a check yourself, BILL requires you to sync the payment to your accounting software (e.g., QuickBooks) and print from there - this workflow is not available for Xero users. In contrast, Zil Money lets you design and print checks on blank stock from any standard printer, directly inside the platform.

The Digital Wallet is Zil Money's core feature. You load it from your bank account and use it to fund payments across multiple rails, including ACH, wires, checks, and cards from a single balance. Fees and transaction costs depend on the selected payment method and funding source, and may vary by transaction type.

Most BILL customers can transition in a structured four-step process. First, export your vendor list and bill history from BILL as an Excel or CSV file. Next, connect Zil Money to the same accounting system you use with BILL - QuickBooks Online, Xero, NetSuite, Sage, FreshBooks, or Zoho. Once that is in place, import the vendor list into Zil Money. Finally, run BILL and Zil Money in parallel for a short cutover window while outstanding BILL payments clear. For Enterprise plans, the Zil Money onboarding team supports the migration directly.

For most payment methods, no. For example, paying a vendor by digital check or mailed check requires no action on the vendor’s side - they simply receive and deposit the check. However, for ACH payments to a vendor, you will need the vendor’s bank account details - the same information BILL requires. Vendors who already received ACH payments through BILL can typically share their banking details once and onboard with Zil Money quickly. Credit card payments require no vendor enrollment.

Approval workflows do not automatically import from BILL, so you'll rebuild them inside Zil Money during onboarding. However, Zil Money supports multi-level approval chains, role-based permissions, and conditional rules - for instance, payments over $X requiring CFO approval. If your current BILL setup has complex custom rules, document them before migration so the Zil Money onboarding team can replicate the structure. Enterprise onboarding includes dedicated support for approval workflow setup.

Yes, and most teams do. During the cutover window, for example, you can continue processing existing BILL payments through BILL while routing new payments through Zil Money. In addition, you can connect both platforms to the same accounting system simultaneously, so reconciliation remains clean. Once the last BILL payment clears, you can cancel your BILL subscription. This parallel-run approach is the lowest-risk way to switch.

Your historical data stays with BILL as long as you maintain your account. However, if you cancel BILL after migration, export your full transaction history, invoice images, and vendor records before cancellation - BILL provides export tools for this.. For active cases where you need BILL historical data in Zil Money, CSV imports can bring vendor lists and payment history across. Invoice images and attached documents typically do not migrate between platforms - plan to keep them archived in your accounting system or document storage.

Same-day ACH with Zil Money is available subject to cut-off times set by the Federal Reserve and processing partners. Payments submitted before the applicable cut-off settle the same business day; payments submitted after the cut-off settle the next business day. Actual timing depends on the receiving bank's schedule and may vary. Timeframes are not guaranteed.