ACH Transactions

ACH Transactions using Zil Money 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.

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Key figures


New Customers a Week

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?


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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.


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.
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I had to be very cautious in a disputing situation when the check hasn’t arrived and goes to the bank, digging through all my paperwork.

Frank Czar


Zil Money has made my life easy. Now I can print all the checks on Blank Check Paper and export from my QuickBooks as well. 

Bimal Daftari


I always have to give checks ahead in many situations. Now it’s so easy to keep up. Same way making deposit slips on demand also very easy.

Travis Copeland


I was confused of managing multiple companies as an accountant. I found Zil money then and now everything is just easy.

William Andrews


Total Money Moved

9,520,030,217 +

Total People Paid

1,020,421 +

Total Businesses Satisfied

201,304 +