Same-Day ACH Available
$0 Fees on Eligible Payments*
Bank-Grade Security*
22K+ Bank Integrations
*$0 transaction fees on eligible payments only when using Zil Money Wallet. Same-day ACH processing fees may apply. Payments subject to cut-off times. Secured with advanced encryption and authentication protocols. Terms and conditions apply.
ACH payments without the fees.* Without the wait.
Move money between bank accounts with same-day processing available. All with $0 fees on eligible wallet transactions.*
$0 fees on eligible transactions*
Load your Zil Money Wallet and pay nothing on eligible ACH payments.* No per-transaction fees. No monthly minimums. What you’d spend on ACH fees stays in your business.
Saved $4,800 annually on ACH fees alone.
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Same-day ACH when you need it
Standard ACH processing or same-day delivery when time matters. You choose the speed based on your business needs. Full control over timing.
Same-day ACH saved our vendor relationship.
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Complete ACH solution
Send vendor payments, receive customer payments, process payroll, handle refunds. One platform for all your ACH payment needs—both outgoing and incoming.
Consolidated all ACH into one platform.
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*$0 transaction fees on eligible payments only when using Zil Money Wallet. Same-day ACH processing fees may apply. Terms apply.
Modern ACH for modern business.
Four ways Zil Money transforms how you handle ACH payments.
Helps eliminate per-transaction fees*
Traditional ACH costs $3-5 per transfer. Load your Zil Money Wallet and pay $0 on eligible ACH transactions.* Process unlimited payments without per transaction costs adding up.
Save thousands annually
Choose your processing speed
Standard ACH for regular payments. Same-day ACH when urgency matters. You decide the timeline based on what your business needs.
Complete flexibility
One platform for everything
Send payments to vendors. Receive payments from customers. Process payroll via ACH. Handle refunds. All ACH activity unified in one place with complete visibility.
Unified operations
Set once, process automatically
Schedule recurring ACH payments for vendors, subscriptions, or any regular obligation. Automatic processing eliminates manual work and ensures on-time payments every cycle.
Save hours weekly
Helps eliminate per-transaction fees*
Traditional ACH costs $3-5 per transfer. Load your Zil Money Wallet and pay $0 on eligible ACH transactions.* Process unlimited payments without per transaction costs adding up.
Save thousands annually
.…
Choose your processing speed
Standard ACH for regular payments. Same-day ACH when urgency matters. You decide the timeline based on what your business needs.
Complete flexibility
....
One platform for everything
Send payments to vendors. Receive payments from customers. Process payroll via ACH. Handle refunds. All ACH activity unified in one place with complete visibility.
Unified operations
....
Set once, process automatically
Schedule recurring ACH payments for vendors, subscriptions, or any regular obligation. Automatic processing eliminates manual work and ensures on-time payments every cycle.
Save hours weekly
….
Everything you need for ACH payments.
Send, receive, automate, and track—complete ACH functionality in one platform.
Send ACH Payments
Pay vendors, suppliers, contractors, or anyone with a U.S. bank account. One-time or recurring. $0 fees on eligible wallet payments.* Same-day processing available.
Zero fees on eligible transactions*
Receive ACH Payments
Accept ACH payments from customers, clients, or partners directly to your account. Automated processing. Real-time notifications. Lower cost than card processing.
Lower processing costs
Same-Day ACH Processing
When timing is critical, same-day ACH delivers funds the same business day. Perfect for urgent vendor payments, payroll corrections, or time-sensitive transactions.
Same business day delivery
Recurring ACH Automation
Set up automatic recurring payments for rent, subscriptions, vendor contracts, or any regular obligation. Schedule once, process automatically. Never miss a payment.
Complete automation
Bulk ACH Processing
Process hundreds of ACH payments at once with CSV upload. Perfect for payroll, vendor payments, commissions, or refunds. Real-time validation and tracking.
Process hundreds efficiently
ACH Payment Links
Generate payment links customers can use to pay via ACH. Send via email, text, or embed on invoices. Faster collections with lower fees than cards.
Easy customer payments
ACH Direct Deposit
Pay employees, contractors, or partners via ACH direct deposit. Reliable, secure, and cost-effective payroll distribution. Automated processing with confirmation.
Reliable payroll delivery
ACH Returns Management
Automated handling of returned ACH payments. Clear reason codes. Quick resolution options. Track and manage all exceptions from one dashboard.
Automated exception handling
Send ACH Payments
Pay vendors, suppliers, contractors, or anyone with a U.S. bank account. One-time or recurring. $0 fees on eligible wallet payments.* Same-day processing available.
Zero fees on eligible transactions*
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Receive ACH Payments
Accept ACH payments from customers, clients, or partners directly to your account. Automated processing. Real-time notifications. Lower cost than card processing.
Lower processing costs
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Same-Day ACH Processing
When timing is critical, same-day ACH delivers funds the same business day. Perfect for urgent vendor payments, payroll corrections, or time-sensitive transactions.
Same business day delivery
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Recurring ACH Automation
Set up automatic recurring payments for rent, subscriptions, vendor contracts, or any regular obligation. Schedule once, process automatically. Never miss a payment.
Complete automation
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Bulk ACH Processing
Process hundreds of ACH payments at once with CSV upload. Perfect for payroll, vendor payments, commissions, or refunds. Real-time validation and tracking.
Process hundreds efficiently
.…
ACH Payment Links
Generate payment links customers can use to pay via ACH. Send via email, text, or embed on invoices. Faster collections with lower fees than cards.
Easy customer payments
....
ACH Direct Deposit
Pay employees, contractors, or partners via ACH direct deposit. Reliable, secure, and cost-effective payroll distribution. Automated processing with confirmation.
Reliable payroll delivery
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ACH Returns Management
Automated handling of returned ACH payments. Clear reason codes. Quick resolution options. Track and manage all exceptions from one dashboard.
Automated exception handling
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🚀 This Changes Everything
The business wallet that eliminates ACH fees.*
Load your Zil Money Wallet from your bank account. Pay $0 on eligible ACH transactions.* This is how ACH payments should work.
Traditional ACH Processing
What Most Businesses Pay
Outgoing ACH: $3-5 per transaction
Incoming ACH: $0.50-1.50 per transaction
Same-day ACH: $10-15 premium
Monthly platform fee: $10-30
Returns/reversals: $5-10 each
Typical monthly cost: $300-500 for average business
Zil Money Wallet
What You Pay With Wallet
Outgoing ACH: $0 on eligible transactions*
Incoming ACH: $0 on eligible transactions*
Same-day ACH: Available (fees may apply)
Monthly platform fee: Included with Business plan
Returns/reversals: Managed automatically
Monthly cost: $0 on eligible ACH payments*
Stop Paying ACH Fees*
Every eligible ACH payment from your Wallet balance costs $0.* No $3 fees. No $5 fees. No per-transaction charges eating into margins. What you’d spend on fees stays in your business.
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Process With Confidence
Bank-level security on every transaction. Real-time processing updates. Automated reconciliation. Complete audit trail. ACH payments done right.
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Get Complete Visibility
Track every ACH payment in real-time. Know exactly when funds leave, when they arrive, and current status. No more calling for updates.
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*$0 transaction fees on eligible ACH payments only when using Zil Money Wallet. Same day ACH processing fees may apply. Platform access included with Business plan. Terms apply.
ACH made simple.
From setup to settlement, ACH payments done right in four effortless steps.
One-time setup
Connect your bank account
Link your business bank account securely or load your Zil Money Wallet. Quick verification process. Bank-grade security throughout.
30 seconds
Enter payment details
Add recipient bank information. Enter payment amount. Choose standard or same-day processing. Save recipients for future payments.
Instant
Review and confirm
Preview your ACH payment. Verify all details. Confirm processing. Your payment enters the ACH network for delivery.
Ongoing
Track to completion
Real-time status updates from submission to settlement. Know exactly when funds leave your account and when they arrive at destination.
One-time setup
Connect your bank account
Link your business bank account securely or load your Zil Money Wallet. Quick verification process. Bank-grade security throughout.
.…
30 seconds
Enter payment details
Add recipient bank information. Enter payment amount. Choose standard or same-day processing. Save recipients for future payments.
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Instant
Review and confirm
Preview your ACH payment. Verify all details. Confirm processing. Your payment enters the ACH network for delivery.
....
Ongoing
Track to completion
Real-time status updates from submission to settlement. Know exactly when funds leave your account and when they arrive at destination.
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Processing times are estimates and may vary based on submission time, financial institution processing schedules, and ACH network operating hours.
Choose the speed your business needs.
Standard ACH for regular payments. Same-day when timing matters. You’re in control.
📅 Most Common
Standard ACH
Typically 1-2 business days
Regular vendor payments, scheduled transfers, routine transactions
- $0 fees on eligible wallet transactions*
- Process any day, any time
- Reliable settlement within 1-2 business days
- Perfect for planned payments
- Unlimited eligible transactions*
$0 on eligible wallet payments*
⚡ When Speed Matters
Same-Day ACH
Same business day
Urgent payments, payroll corrections, time-sensitive transactions
- Same business day settlement
- Multiple daily processing windows
- Cutoff times clearly displayed
- Perfect for urgent needs
- Available for eligible transactions
Same-day processing fees may apply
Same-day ACH has specific cutoff times throughout the day. Payments submitted after the final cutoff will process the next business day. Processing times are estimates and may vary based on financial institution schedules and ACH network operations.
ACH payments for every business need.
From vendor payments to customer collections, ACH works for everything.
Vendor & Supplier Payments
Pay vendors and suppliers via ACH instead of checks. $0 fees on eligible transactions.* Faster than mailing checks. Automated tracking and confirmation.
Customer Payment Collections
Accept ACH payments from customers. Lower fees than credit cards. Send payment links or set up recurring billing. Automated processing.
Payroll Direct Deposit
Pay employees via ACH direct deposit. Reliable delivery. Lower cost than check printing. Automated processing on your schedule.
Rent & Property Payments
Collect rent via ACH. Pay property expenses via ACH. Recurring payment automation. Perfect for property managers and landlords.
Recurring Subscription Billing
Automate subscription collections via ACH. Set up once, collect automatically. Lower fees than card processing. Reduce failed payments.
Contractor & Freelancer Payments
Pay contractors and freelancers via ACH. Fast delivery. Lower cost. Easy 1099 reporting integration. Professional payment experience.
Customer Refunds
Process customer refunds via ACH. Direct to their bank account. Professional handling. Automated tracking and confirmation.
B2B Payment Processing
Handle all B2B payments via ACH. Vendor payments, customer collections, partner distributions. Complete ACH solution for B2B operations.
Vendor & Supplier Payments
Pay vendors and suppliers via ACH instead of checks. $0 fees on eligible transactions.* Faster than mailing checks. Automated tracking and confirmation.
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Customer Payment Collections
Accept ACH payments from customers. Lower fees than credit cards. Send payment links or set up recurring billing. Automated processing.
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Payroll Direct Deposit
Pay employees via ACH direct deposit. Reliable delivery. Lower cost than check printing. Automated processing on your schedule.
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Rent & Property Payments
Collect rent via ACH. Pay property expenses via ACH. Recurring payment automation. Perfect for property managers and landlords.
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Recurring Subscription Billing
Automate subscription collections via ACH. Set up once, collect automatically. Lower fees than card processing. Reduce failed payments.
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Contractor & Freelancer Payments
Pay contractors and freelancers via ACH. Fast delivery. Lower cost. Easy 1099 reporting integration. Professional payment experience.
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Customer Refunds
Process customer refunds via ACH. Direct to their bank account. Professional handling. Automated tracking and confirmation.
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B2B Payment Processing
Handle all B2B payments via ACH. Vendor payments, customer collections, partner distributions. Complete ACH solution for B2B operations.
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Bank-grade security on every transaction.
ACH payments protected by the same security standards as major financial institutions.
NACHA Compliant
Full compliance with NACHA (National Automated Clearing House Association) operating rules and guidelines for ACH transactions.
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256-Bit Encryption
All ACH payment data encrypted with military-grade 256-bit encryption during transmission and storage. Your payment information stays protected.
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Advanced MFA
Multiple authentication layers ensure only authorized users can initiate ACH payments. You control who has access.
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Fraud Detection
Advanced AI-powered systems monitor ACH transactions for suspicious patterns and help prevent unauthorized activity.
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Banking Partners
Banking services are provided through partnerships with FDIC member banks. All banking services are subject to applicable regulatory requirements.
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SOC 2 Type II
Independently audited and certified security controls. Regular third-party verification of our security practices and procedures.
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Trusted by over 1 million businesses to securely process ACH payments totaling $91+ billion annually.
Simple, transparent ACH pricing.
No hidden fees. No surprise charges. Just straightforward pricing that makes sense.
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Most Popular
Zil Money Wallet
$0 on eligible ACH transactions*
- Zero fees on eligible ACH payments*
- Unlimited eligible transactions*
- Same-day ACH available (fees may apply)
- Standard ACH processing
- Real-time tracking
- Automated reconciliation
- Bulk processing
- Recurring payment automation
Load your Zil Money Wallet from your bank account. Use wallet balance for ACH payments and pay $0 per transaction on eligible payments.*
Direct Bank Processing
Standard ACH Processing Fees Apply
- Process ACH directly from bank account
- All ACH features included
- Same-day ACH available
- Real-time tracking
- Bulk processing
- Recurring automation
Connect your bank account and process ACH payments directly. Standard processing fees apply per transaction.
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*$0 transaction fees on eligible ACH payments only when using Zil Money Wallet. Same day ACH processing fees may apply. Direct bank processing subject to standard ACH fees. All services subject to approval, identity verification, and compliance requirements. Terms apply. Visit zilmoney.com terms and conditions.
ACH that works with everything you use.
Seamless integrations with your accounting software and business tools.
Accounting Software
Automated sync with your accounting platform
Banking Partners
Connect with 22,000+ banks
Business Tools
Works with your existing workflow
Automation Features
Built-in automation capabilities
Life-changing simplicity.
Join thousands who’ve eliminated bill payment stress from their lives forever.
Cory Edwards, Owner Edwards Holdings Realty
“The most helpful part is that Zil Money can be used by everyone. It’s very easy to navigate. THE USER INTERFACE is very easy to learn.
It solves the problem of having various accounting software separately and unable to integrate. It allows seamless organization.“
Common questions about ACH payments.
Everything you need to know about processing ACH with Zil Money.
Load your Zil Money Wallet from your bank account. All eligible ACH payments made from your Wallet balance have zero transaction fees.* You're pre-funding your payment operations to eliminate per-transaction costs. This applies only to eligible wallet ACH transactions.*
Standard ACH typically processes within 1-2 business days from submission. Same-day ACH is available for transactions submitted before daily cutoff times, with same business day delivery. Processing times are estimates and may vary based on submission time, financial institution schedules, and ACH network operating hours.
Standard ACH typically settles in 1-2 business days and has $0 fees on eligible wallet transactions.* Same-day ACH settles the same business day but requires submission before cutoff times and processing fees may apply. Choose standard for routine payments, same-day for urgent needs.
You can send ACH payments to any valid U.S. bank account, subject to recipient bank ACH acceptance policies. This includes businesses, individuals, vendors, employees, or contractors with U.S. banking relationships.
You can accept ACH payments by providing your bank account details directly or by generating ACH payment links customers can use. Payment links can be sent via email, embedded in invoices, or shared digitally. All incoming ACH payments are tracked in real-time.
Yes. ACH uses bank-level security with 256-bit encryption, NACHA compliance, and multi-factor authentication. All transactions are monitored for fraud. ACH is commonly used for large business payments, payroll, and high-value transactions due to its security.
Absolutely. Set up recurring ACH payments for vendors, subscriptions, rent, or any regular obligation. Schedule once and payments process automatically on your chosen schedule. You maintain full control to pause or modify at any time.
Returned ACH payments are managed automatically with clear reason codes (insufficient funds, invalid account, etc.). You'll receive immediate notification of any returns. Resolution options depend on the return reason code and timing. Returns typically process within 2 business days.
Wire transfers are typically same-day but cost $25-50 per transaction. ACH typically takes 1-2 days but costs $0 on eligible wallet transactions* or much less than wires. For routine payments, ACH is more cost-effective. For urgent large payments, wires may be better.
Yes. Upload a CSV file with multiple ACH payments and process them all at once. Perfect for payroll, vendor payments, commissions, or refunds. Real-time validation ensures all payments are formatted correctly before processing.