Zil Money

Melio Payments Alternative

Melio Payments Alternative, Zil Money, eases your payment processing. With Zil Money, you can pay your vendors with your credit card even if they don’t accept them. You can pay any business with credit cards; pay rent and taxes easily. In addition, you can earn points for almost anything you buy.

In addition, Zil Money provides you with an online banking service named Zil. Pay and Get paid by wire, check drafts, and check by mail at low transaction fees on Zil.


Key figures


New Customers a Week

Transactions Per Week

Take Control and Visibility of Your Payments to the Next Level

Take Control and Visibility of Your Payments to the Next Level

  • Improved collections and receivables
  • Without any merchant fees, accept credit and debit cards.
  • Receive payment using eCommerce Checkout SDK, shared payment links, or a QR code in person.
  • Automate payments
  • Smooth cash flow
  • Short-term financing
  • Invoice data capture


Check Printing

Check Printing

Instantly create and print yourself on any printer. Drag & Drop Design



Send ACH/RTP in one click. Get paid by ACH. Make it one time/recurring

Email Check

Email Check

No Printer/Paper? Email a One-time printable & trackable PDF Check.

Digital Check

Digital Checks

Convert paper checks to paperless Digital Checks & send to email/Text.

Check Mailing

Check Mailing

One-Click Check mailing for $1.25 by USPS without leaving your desk.

Deposit Slips

Deposit Slips

Instantly create & print deposit slip of any Bank. Keep track & auto reconcile it

Get Paid Button

Get Paid Button/Link

Get paid by Button/HTML form on your site or Link to text or email.

Bank Data

Bank Data

Connect & reconcile, Categorize from Any Fina-Institution automatically

Bill Pay/Vendor

Bill Pay / Vendor

Pay Bills Online, Schedule it, Manage suppliers Smart, and reduce risk.



Professional invoicing, email with payment link, track & manage.

User Approver

User / Approver

Role-Based user and approval process. Accountant/Client access.


API / White Label

Interactive developer friendly API. Complete white label solution.

No Worries About Transaction Costs

Earlier, your vendor might not have accepted credit card payments due to the transaction cost involved, or they might have asked you to add an extra fee as transaction charges no more headaches over the credit card charges. Now, you can pay anyone via credit card.

You can use credit cards, the payee has no transaction charges, and you can keep all your credit card reward points. Start an Zil Money subscription to enjoy this benefit right away.

No Worries About Transaction Costs


Frequently Asked Questions(FAQ)

What to do if my vendor refuses to accept credit cards?

No need to worry at all! Payments will be made to your vendor via cheques or ACH rather than credit cards. For sellers who don't take credit cards, you can configure Zil Money to process payments. We'll do everything else after you provide us the payment details. The programme offers the option of sending payments through cheque or ACH electronically.

Does my vendor/supplier has to pay any charge for receiving payment by credit card payments?

Significantly, no. Because your seller accepts payments through credit card, we don't charge them an additional fee. Instead, you pay a tiny transaction fee of 2.95%, which is a cost of doing business that is normal across the industry.

Can I pay by credit card even if my vendors don't accept that?

You can, indeed! After processing your credit card payment through Zil Money, the vendor's ACH or check payment is processed. In other words, a vendor will be paid via the business, but you will be able to use your credit card, earning rewards and delaying payments to better manage your cash flow.

Melio Payments vs Zil Money

Zil Money lets you efficiently manage cash and maintain a general ledger entry and Receivables ledger, which enables you to manage your finances effectively. Unfortunately,Melio Payments does not support cash management and receivables ledger maintenance.
Zil Money - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $49.99/Year




Vendor Management: Bill Pay, One Click Check Mailing, Invoicing, Positive Pay, User/Ap Use the application on your desired platforms. Positive Pay, User/Ap, Use the application on your desired platforms.

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 +