Global Payments Reimagined: Fast, Affordable, Transparent

Send money across borders as easily as sending it across town. Zil Money’s international payments deliver what traditional methods can’t: lightning-fast settlement, dramatically lower fees, and complete transaction visibility,all from your existing Zil Money wallet directly to recipient bank accounts worldwide.

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Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

Transform Your International Payments

Speed When It Matters

Seconds,
Not Days

Settle international transfers in as little as 90 seconds

Immediate Confirmation

Real-time verification of successful payments

Instant
Availability

Recipients can access funds immediately in their bank accounts

How It Works

Seamless Process From Your Zil Money Wallet

Select International Payment

in your Zil Money dashboard

Review the exchange rate and fees

displayed transparently

Enter recipient details

including their bank account information

Confirm and send

your payment through the
secure Ripple network

Choose the payment amount

in either USD or recipient’s currency

Track delivery

in real-time until successful receipt

Select International Payment

in your Zil Money dashboard

Enter recipient details

including their bank account information

Choose the payment amount

in either USD or recipient’s currency

Review the exchange rate and fees

displayed transparently

Confirm and send

your payment through the
secure Ripple network

Track delivery

in real-time until successful receipt

The Technology Behind the Magic

Zil Money harnesses Ripple’s advanced blockchain network to revolutionize cross-border payments. This cutting-edge technology enables:

Wallet-to-Bank Account Transfers

Funds are sent directly from your Zil Money wallet to the recipient’s bank account, bypassing the complex chain of correspondent banks that typically slow traditional international payments.

Distributed Ledger Validation

Ensure payment security and accuracy through a decentralized verification system.

Instant Settlement

Complete transactions in seconds rather than
the 3-5 days typical of traditional methods.

Smart Payment Routing

Automatically select the most efficient and cost-effective path for your payment.

Global Reach, Local Experience

Send payments to major business hubs and emerging markets worldwide:

  • Europe (Germany, France, Estonia, Sweden, UK)
  • Asia-Pacific (India, Philippines, China)
  • North America (Canada, Mexico)
  • Australia

Availability may vary based on regulatory requirements. View our full list of supported countries.

Working with ZilMoney has been such a great experience. We use their platform to create and send eChecks to multiple parties, and it’s been incredibly smooth and efficient. Anytime we have a question or run into an issue, their team is quick to respond and always helpful. They’ve consistently gone above and beyond to support our needs, and it’s made a real difference in our workflow. I highly recommend ZilMoney to anyone looking for a reliable, attentive, and efficient vendor.

Check Printing

Rachel Ruiz

Business Strategy Managet, Lennar Titile

Transform Your Global Business Operations

For Importers & Exporters

Pay international suppliers on time, every time—without tying up capital days in advance.

For Technology Companies

Pay global contractors and service providers instantly with minimal friction.

For Professional Services

Receive payments from international clients without delay or excessive fees.

For Manufacturing & Distribution

Maintain smooth supply chains with timely payments to global partners.

How You Benefit

Improved Cash
Flow Management

  • Extend your payment windows with near-instant settlement
  • Eliminate the need to pre-fund foreign accounts
  • Access real-time exchange rates for better planning

Operational
Efficiency

  • Pay vendors precisely when promised
  • Provide payment certainty and transparency
  • Respond quickly to urgent payment needs

Enhanced Supplier
Relationships

  • Pay vendors precisely when promised
  • Provide payment certainty and transparency
  • Respond quickly to urgent payment needs

Competitive
Advantage

  • Extend your payment windows with near-instant settlement
  • Eliminate the need to pre-fund foreign accounts
  • Access real-time exchange rates for better planning

Straightforward, Transparent Pricing

Transaction Fees

  • Standard Rate: 0.5% of transaction value
  • Volume Discounts: Available for businesses with high payment volumes
  • Minimum Fee: $5 per transaction

Foreign Exchange

  • Competitive exchange rates
  • No hidden markups or surcharges
  • Volume-based rate improvements available

Security You Can Trust

Your international payments are protected by industry-leading security measures:

End-to-End Encryption:

For all transaction data

Real-Time Fraud Monitoring:

Advanced detection systems

Multi-Factor Authentication

Required for payment initiation

Regulatory Compliance:

Full adherence to international standards

Getting Started Is Simple

Ready to Transform Your International Payments?

Join forward-thinking businesses that are already benefiting from faster, more affordable global transactions.

Every Customer Review
is a Story of Trust

"
During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.