ACH Payments for Business | Zil Money

ACH Bank Transfers

Send ACH Payments. Cut the Wire Fees.

Schedule, send, and track ACH transfers to vendors, contractors, and employees directly from your business bank account. No wire fees, no paper checks.

Send an ACH Payment
Book a Demo

Zil Money is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.

ACH transfer scheduled
From
Hartwell Supply Co.
Chase Business ••••4821
$8,500.00
→
To
Riverside Logistics LLC
Wells Fargo ••••2209
Standard ACH
Same-Day ACH

Schedule Transfer

Why ACH payments

Faster than a check. A fraction of the cost of a wire.

ACH transfers move money between bank accounts through the Federal Reserve’s network. For routine business payments, they cost far less than wire transfers and arrive without the friction of paper checks.

No wire fees

Send ACH payments at a fraction of the cost of domestic wire transfers. Predictable, low per-transaction fees.

Your own bank stays

Connect your existing business checking account. No need to move money or open a new account to send ACH.

Schedule in advance

Set the send date, and the payment goes out automatically. Useful for recurring vendor payments and predictable payroll runs.

Send one or a batch

Pay a single vendor or run a full payroll batch from a CSV or accounting tool import in one session.

How it works

Send an ACH payment in four steps

From account connection to a confirmed transfer, without leaving the platform.

Connect your bank

Link your business checking account by routing and account number or via instant bank login. Zil Money connects to over 22,000 banks across the US.

Add a payee

Enter the recipient’s bank routing and account number. Save them to your payee list so future payments take seconds to set up.

Enter amount and type

Type the amount and choose Standard ACH or Same-Day ACH. You see the options before confirming.

Confirm and track

Confirm the transfer. It goes into your payment history with status updates. Download records for your accounting team at any time.

Built for business

One platform for every business bank transfer

From single vendor payments to recurring payroll, manage ACH alongside checks, wires, and virtual cards in one place.

  • Standard ACH and Same-Day ACH in one dashboard
  • Approval workflows before any transfer sends
  • Batch imports from QuickBooks, Xero, and CSV
  • Recurring payment scheduling for repeat vendors
  • Full payment history and downloadable records

What you can do

Vendor and supplier paymentsPay invoices via ACH instead of cutting a check or wiring. Lower cost, full digital record.

Payroll via ACHRun payroll through the ACH network directly from your business account. No separate payroll processor required.

Multiple accountsConnect more than one business bank account and choose which account each transfer draws from.

Mix payment typesSend ACH, print a check, or mail a check for the same vendor, all from the same screen.
Trusted by businesses

Payments handled across the platform

1M+
businesses on Zil Money
22,000+
banks you can connect
ACH + Wire
+ checks + virtual cards, one dashboard
Same-Day
ACH option available
FAQ

ACH payment questions, answered

What is an ACH payment?
ACH stands for Automated Clearing House. It is the electronic network used to move money between US bank accounts. When you pay a vendor or employee by bank transfer rather than check or wire, you are typically using ACH. ACH payments are processed in batches through the Federal Reserve’s network.
Is ACH cheaper than a wire transfer?
Yes. ACH payments carry a lower fee per transaction than domestic wire transfers. Wire transfers move money individually and in real time, which makes them more expensive. ACH batches transactions, which lowers the cost. For routine vendor and payroll payments, ACH is the lower-cost choice.
Can I use my existing business bank account to send ACH?
Yes. You connect your existing business checking account by entering its routing and account number, or by linking it via instant login. You do not need to open a new account or move funds to a separate platform.
What is Same-Day ACH?
Same-Day ACH allows transfers to settle within the same business day, compared to standard ACH which typically settles in one to two business days. Same-Day ACH is available for eligible transactions submitted before the network cutoff time. Zil Money supports both Standard and Same-Day ACH.
Can I send payroll through ACH on Zil Money?
Yes. You can send payroll as a batch ACH transfer directly from your business bank account. Import employee payment details from a CSV or your accounting tool, set the send date, and the transfers process through the ACH network. Payroll via ACH does not require a separate payroll processor.

Start today

Send your first ACH payment from your business account

Connect your existing bank, add a payee, and send. No wire fees, no paper checks, no separate accounts to open.

Send an ACH Payment
Book a Demo

Zil Money is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.