ACH is a US electronic payment system allowing easy money transfers between bank accounts, saving time and money due to lower fees. The platform offers encrypted protection for secure automatic payments and deposits, promoting convenience and environmental friendliness by reducing paper usage. NACHA oversees ACH to ensure smooth operations. While standard ACH processing takes 1-2 business days, the platform offers same-day processing in less than a day.

Zil Money is a financial technology company, not a bank or an FDIC member. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

Pay Your Payroll with Credit Card

Seamlessly run any payroll with our cutting-edge credit card solution

Happy Customers

New Customers a Week

Transactions Per Week

Same Day ACH

Same-day ACH transactions have transformed finance, providing businesses and individuals with a quick, simple, and efficient payment method. This enables real-time payments, removing delays from traditional banking and improving cash flow management. Zil Money’s Same Day ACH simplifies transactions, reduces costs, and enables businesses to manage their finances seamlessly. Renowned for its speed, ease of use, security, and affordability, Same Day ACH offers an effective alternative to traditional banking methods.

Same Day ACH

Features at Your Fingertips

From accounts payable and receivable functionalities to comprehensive online payment and beneficial integrations, Zil Money can meet the payment management requirements of all types of businesses.

Check Printing

Check Printing

Drag and drop to instantly create checks & print using any printer.

Pay By Credit Card

Pay By Credit Card

Use credit cards even when your vendors don't accept them.

ACH Payment

ACH Payment

Make one-time or recurring ACH/RTP payments in one click.

Wire Transfers

Wire Transfers

Send money electronically from one financial institution to another.

Bill Pay

Bill Pay

Pay & schedule bills online, managing supplier payments & reducing risk.

Digital Checks

Digital Checks

Digitize your paper checks and make your payments via email or text.

Software Integration

Software Integrations

Integrate Zil Money with your accounting and payroll software.


Cloud Bank

Open an online checking account with Streamline payment management & save.

Payment Link

Payment Link

Create and send a secure URL for customers to make online payments easily.

ACH Means

ACH Means

ACH, or Automated Clearing House, is the US financial network for electronic payments and transfers. It enables direct deposits and payments between accounts. ACH transactions securely move funds between banks via NACHA. It’s a key hub for transferring money between different banks.


Paying via ACH means making digital bank-to-bank transactions through the ACH network (Automated Clearing House). This system uses NACHA (National Automated Clearing House Association) to guide funds to their destination banks. NACHA manages ACH services, enabling credit transfers and direct debits. It’s designed for batch payments and typically charges fees to businesses or vendors receiving ACH transfers. Zil Money is an authorized member of NACHA.



In total transaction volume


Connected banks & financial institutions


Monthly business users


Total users, and growing

All-In-One Mobile App

All-In-One Mobile App

Download the Zil Money app from the Apple Store or Google PlayStore to send and receive payments online on your iPhone, iPad, or Android phone. The app is packed with features to simplify payments. With low transaction fees, you can pay or accept check, card, or wire payments, all through the all-in-one platform.


Frequently Asked Questions(FAQ)

What is ACH?

ACH is the U.S. financial network for electronically transferring money and making direct payments. Zil Money offers same-day Automated Clearing House transfers at a low transaction fee.

What is ACH payment?

ACH payments are electronic bank-to-bank payments and are used to transfer money electronically. It is a U.S.-based financial network that makes direct deposits without going through card-to-card transactions or wire transfers. In addition, Zil Money offers lightning-fast Automated Clearing House payments on its payment platform at minimal transaction fees.

What does ACH stand for?

ACH stands for Automated Clearing House, a financial network that electronically transfers money from one bank to another. Make same-day ACH payments on Zil Money effortlessly.

ACH and Wire Transfer

The main difference between an ACH and a Wire transfer is processing time and fees. While most Automated Clearing House transfers usually take 2-3 business days, banks can process wire transfers on the same day. Wire transfers have transaction fees that vary depending on domestic or international transfers. Zil Money offers affordable wire and ACH transfers.




Vendor Management: Easily handle bill payments, instant check printing and mailing, invoicing, positive pay, and access User/API features across various platforms.

User-Friendly Interface: Zil Money's interface is intuitive and easy to navigate, making it accessible for users of varying technical proficiency.



Ease of deployment and use. Normally, a switch like this is both time-consuming and confusing, but in this case, it was super easy.



The dashboard and the customer support are amazing! Never has a company been there like Zil Money and answered all my questions before letting me go. Thank you.



I love that I am able to process payments and do ACH transfers very easily.



Total Money Moved

9,520,030,217 +

Total People Paid

1,020,421 +

Total Businesses Satisfied

201,304 +