ACH Transactions

ACH Transactions using the cloud-based platform is a great option for your financial transactions. Transfer your funds between clients or payees on a one-time or a recurring basis, and pay bills and payroll using the platform. With Zil Money, you can send and accept payments just by adding the account details at smaller transfer fees. You can pay and get paid by wire, check drafts, and check by mail service at low transaction fees on Zil Money.

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.

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Transactions Per Week

How Do Your ACH Transactions Take Place?

For an ACH transaction, two people are involved, one who pays and one who gets paid; the initiator and the receiver. 

  •  With Zil, the initiator can make a transaction from anywhere, anytime.
  • The initiator will be asked to provide checking account details, such as the recipient’s routing number and bank account number.
  • The receiver’s bank information and transaction amount can be found in the ACH files, along with many other parameters and formats.
How Do Your ACH Transactions Take Place?

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.

What is ACH?

What is ACH?

Transactions in the United States are facilitated by the ACH (Automated Clearing House) network of financial institutions, which is run by the National Automated Clearing House Association (NACHA). It includes external fund transfers, individual payments, bill payments, direct deposits from employers, and government benefit programs. (Business-to-business payments are another.) Many transfer providers use the Automated Clearing House Network to send money to friends and family, including banks, Zelle, and third-party applications like PayPal and Venmo.

Same Day ACH

Zil Money’s Same Day ACH service is a fast and effective payment solution that facilitates hands-free funds transfers to the US. Bank accounts on the day the transaction is initiated, brings about an evolution in the financial sector. Zil Money’s Same Day ACH guarantees that your money will be available the same day, cutting out unnecessary wait times. Businesses that need to send money quickly and safely will benefit the most from this new service.

How Do Your ACH Transactions Take Place?


In total transaction volume


Connected banks & financial institutions


Monthly business users


Total users, and growing

What is ACH?

Pay and Get Paid Faster

Zil Money changes the way money is transferred by giving both businesses and customers a platform that makes sending and receiving money quick and easy. With ACH, wire transfers, paper checks, eChecks, and RTP, among other payment options, Zil Money makes it easy and flexible to make payments. The app speeds up the payment process so that users can deal with their money more quickly and easily.


Frequently Asked Questions(FAQ)

What is an ACH transaction?

ACH payments are electronic payments bank-to-bank that go through the ACH network (Automated Clearing House). Funds move from one bank to another with the help of a centralized system that directs funds to their destination. It is run by the National Automated Clearing House Association (NACHA). It may support both credit transfers and direct debits. The system is designed to process batches of payments containing numerous transactions and typically charges fees for usage to the business or vendor receiving ACH payments. Zil Money provides ACH processing with low transaction fees.

How ACH payments work?

ACH payment processing is processed in two ways: debit and credit, and an electronic request is sent to the bank for any payment transaction. A third-party processor provides the tools to businesses to make this possible. The vendor receiving the funds gets authorization for the ACH transaction from the purchaser. Moreover, the ACH payments operator (FED) receives electronic entries and debits/credits from respective banks. Then the purchaser's bank records the transaction on the purchaser's account. Additionally, ACH is easy & secure with Zil Money.

How long do ACH transactions take?

ACH payments can take two to three business days to process. With Zil Money, you can process your payments with utmost ease and security. You can also go for the same-day ACH feature, which lets you process the payment on the same day.

ACH Payment vs Wire Transfer

The wire transfer process starts and ends with banks, while the Automated Clearing House uses a clearinghouse as its middle man between parties which reduces the risk for both sides since all transactions go through one entity rather than being handled manually in different locations. ACH payments are comparatively less expensive. With Zil Money, you can enjoy hassle-free ACH payment processing.
Zil Money - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $49.99/Year




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 +