Frequently asked questions.

ZIL MONEY is a payment platform for businesses. You can pay vendors and employees, get paid by customers, print and mail checks, and send invoices from one account.

You can pay by ACH, wire, credit card, virtual card, or check.

More than 1.5 million businesses use ZIL MONEY, from small startups to large companies. The platform has processed over $120 billion in payments and more than 22 million checks.

Yes, both.

• Small businesses get easy setup and the basics: check printing, ACH, and invoicing.
• Larger companies can use bulk payments, approval steps, user roles, custom integrations, and the API.

No. ZIL MONEY is a financial technology company, not a bank. Money movement services are provided through partner financial institutions and licensed service providers.

Many businesses use one tool for checks, another for ACH, and another for invoices. ZIL MONEY puts these in one place, so you can pay, get paid, and keep your records in sync without switching tools.

Create an account, add your business details, and connect a bank account. Some features may need extra verification before you can use them.

Need help along the way? Visit the Support Center.

You can send payments by:

• ACH transfer
• Wire transfer
• Credit card
• Virtual card
• Printed check
• Mailed check
• RTP

Pick the method that fits each payment.

Yes. You can pay vendors, suppliers, contractors, and employees by ACH, wire, credit card, or check. You can also set up recurring payments for payroll.

You can get paid by:

• ACH debit
• Check
• Credit card
• Payment links

Your customers can use whichever method is easiest for them.

ACH moves money between bank accounts. You can send and receive ACH payments in ZIL MONEY. ACH payments typically take a few business days to arrive, so they work well for regular and recurring payments.

Link your business bank account to ZIL MONEY. Then you can start sending payments or receiving funds from your account.

Choose the wire option, enter the recipient’s details, and submit. ZIL MONEY handles the rest. See the Pricing & Fees section for wire fees.

No. Domestic wires are typically processed the same business day, depending on cutoff times. International wires usually take 1 to 3 business days because of time zones and local rules.

Yes. You can pay rent with a credit card through ZIL MONEY, which helps you manage cash flow. A 2.9% processing fee applies to all credit card payments, including rent.

Credit card rewards are determined by your card issuer and are subject to your card’s terms and conditions.

No. You pay with your card, and your vendor gets paid in a way they already use, such as ACH or check.

Choose credit card as the payment method, enter the vendor’s details and the amount, and submit. ZIL MONEY processes the payment securely.

Limits can depend on your card, your account, and the payment. A 2.9% processing fee applies to every card payment. Make sure your card has enough available credit, because card payments are charged right away. For your account limits, ask the Support Center.

Yes. Choose credit card as the payment method when you set up payroll. A 2.9% processing fee applies.

Terms apply. See the rewards terms for details. Credit card rewards are determined by your card issuer and are subject to your card’s terms and conditions.

Yes. After you set it up, payroll payments run on the date you choose. You can also set up recurring payments to cut down on manual work.

Upload a file with your recipients and payment amounts. ZIL MONEY processes the payments for you. This is useful when you pay many vendors, contractors, or employees at once and want to avoid manual errors.

Yes. You can set approval steps so a payment is reviewed before it goes out. Ask the Support Center to help you set this up.

ZIL MONEY lets you categorize expenses, track payments, and run reports. This helps you see where your money goes and prepare for tax season.

Yes. You can view reports on your transactions and expenses, including spending by payment method over time. Use them for taxes, financial statements, or tracking cash flow.

Along with payments, ZIL MONEY includes tools for bank data, deposit slips, document mailing, and shipping labels.

ZIL MONEY uses encryption and secure sign-in to protect your financial and personal data. Payments are processed through secure channels. You can also turn on multi-factor authentication for an extra layer of protection.

ZIL MONEY follows industry security and privacy standards to protect your business and your customers. To request compliance documents, contact the Support Center.

ZIL MONEY monitors activity for signs of fraud and uses encryption and multi-factor authentication to help protect your account and payments. If we see unusual activity, we will notify you so you can act quickly.

Contact the Support Center right away. The team will help you review the activity and secure your account. Your account may be locked until the issue is resolved.

Invite team members and give each person a role with specific permissions. You decide who can view, edit, or approve financial details, and you can change permissions anytime from your dashboard.