🛍 Built for Service Businesses

Automate billing. Eliminate fees. Get paid faster.

Professional invoicing with integrated payments clients pay via ACH directly to your wallet, recurring billing runs on autopilot, payment collection happens in days. From solo consultants to agencies.

Start Billing Better
Talk to Our Team

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.

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Direct ACH Collection to Wallet

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Integrated Payment Buttons

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Automated Recurring Billing

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Get Paid Days Faster

Three things that actually matter.

Keep more of what you bill. Get paid faster. Never chase payments again.

A blue credit card with a wave design, showing how you can turn your card payment into perks and rewards.

Collect Payments Directly

Send invoices with payment buttons. Clients pay via ACH directly to your wallet. Traditional card processing costs 2.9-3.5% per transaction.

Impact: One click for clients, no separate payment portal needed

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A blue credit card with a wave design, showing how you can turn your card payment into perks and rewards.

Get Paid Days Faster

Invoices with “Pay Now” buttons get paid immediately. No waiting for clients to “process next week.” No checks in mail. Click, pay, done. Payment friction eliminated.

Impact: Cash arrives when you need it, not when clients remember

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A blue credit card with a wave design, showing how you can turn your card payment into perks and rewards.

Automate What Repeats

Recurring retainers? Subscriptions? Monthly services? Set up once, collect automatically forever. Zero manual invoicing. Zero chasing.

Impact: Predictable revenue without any effort

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Everything you need, nothing you don’t.

Professional Invoices

Create branded invoices in minutes. Your logo, your colours, your terms. Line items, taxes, discounts all there. Professional appearance builds trust and speeds payment.

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Integrated Payment Buttons

Every invoice includes “Pay Now” button. Clients click, choose ACH or card, pay in seconds. No separate portal. No friction. Just fast payment.

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Payment Links

Set up monthly retainers, subscriptions, or ongoing services once. System charges automatically. Client authorizes once, you collect forever. 

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Quick Payment Requests

Quick payment requests without full invoices. Send via email, text, anywhere. Perfect for deposits, milestones, or ad-hoc charges.

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Automated Reminders

System sends professional payment reminders before and after due dates. You never have to chase. Clients get gentle nudges automatically.

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Client Payment Portal

Clients access their own portal to view invoices, payment history, upcoming charges. Self-service reduces your admin time significantly.

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Collect, hold, and pay from one wallet balance.

Collect Directly to Your Wallet

Clients pay invoices via ACH → Funds arrive in your wallet, ready to use

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Track Your Balance

Keep operating balance in wallet → Complete visibility into your working capital

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Pay Directly From Your Wallet

Use wallet balance for business expenses → Pay contractors, tools, services → Directly from your balance → Complete cycle optimization

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The Complete Cycle:

Revenue in → Balance visible in real time → Expenses out → Repeat

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Service businesses that bill clients.

Consultants & Freelancers

Project invoicing, professional appearance, simple setup

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Creative Agencies

Retainer automation, project billing, team contractor payments, branded invoicing

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SaaS Companies

Subscription billing, failed payment recovery, recurring revenue optimization, customer portal

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Professional Services

Detailed invoicing, retainer management, trust account compliance, documentation

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IT & Technical Services

MSP recurring billing, project invoicing, B2B clients prefer ACH, PSA integration

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Marketing Agencies

Monthly retainers automated, campaign invoicing, protect margins, client retention

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Bill once. Collect forever.

Perfect For:

Monthly retainers

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Subscription services

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Ongoing maintenance

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Membership fees

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Anything that repeats

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How It Works:

Client authorizes payment method once → System charges automatically on schedule → You receive payment → Client receives receipt → Zero manual work after setup

The Benefit:

Predictable revenue. Zero admin time. Improved client retention because payment friction disappears.

Works with what you use.

Time Tracking:

Harvest • Toggl • Clockify
Import billable hours directly into invoices

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Accounting:

QuickBooks • Xero • FreshBooks • Wave
All invoices and payments automatically synced

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CRM:

HubSpot • Salesforce • Pipedrive
Client payment history visible in your CRM

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Communication:

Email • SMS • Slack
Send invoices and payment links via any channel

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Professional-grade protection.

PCI DSS Compliant

Full compliance for client card payments

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SOC 2 Certified

Independently audited security controls

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Bank-Level Encryption

256-bit AES for all payment data

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FDIC Partner Banks

Banking services through FDIC member banks

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What you need to know.

How do I get clients to pay via ACH instead of card? +

Present ACH as the default/recommended payment option in your invoices. Most B2B clients actually prefer ACH for business payments. Keep card as backup option.

Can I really automate recurring billing completely? +

Yes. Client authorizes payment method once. System automatically charges on schedule. Client receives invoice/receipt. You receive payment. Zero manual work after initial setup.

What about failed recurring payments? +

System automatically retries failed payments on optimized schedule. Client receives automatic notifications with update links. Significantly reduces involuntary churn.

Can I create different invoice templates? +

Yes. Create multiple branded templates for different service types or client types. Save templates for quick reuse.

How long does setup take? +

Basic setup: Minutes. Create first invoice: Minutes. Set up recurring billing: Minutes per client. Integration with accounting software: Super-Fast. Start collecting: Same day.

Stop losing money to payment fees.

Traditional Approach:

  • Lose 2.9-3.5% per invoice to payment processing
  • Wait weeks for clients to pay
  • Chase clients manually for late payments
  • Manually create invoices each billing cycle

← •• →

Zil Money Approach:

  • Collect via ACH directly to your wallet

 

  • Clients pay in days with integrated buttons
  • Automated reminders eliminate chasing
  • Recurring billing runs on autopilot

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Start Billing Better
Schedule a Demo

Direct ACH Collection to Wallet

Used by 1M+ Businesses

$100B+ Processed

SOC 2 Certified