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. The Melio service alternative 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.

Zil Money is a financial technology company, not a bank or an FDIC member. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

We are not associated with Meliopayments. All mentions are for informational purposes only.

Happy Customers

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

Features at Your Fingertips

From accounts payable and receivable functionalities to comprehensive online payment and beneficial integrations, Zil Money can meet the payment management requirements of all types of businesses.

Check Printing

Check Printing

Drag and drop to instantly create checks & print using any printer.

Pay By Credit Card

Pay By Credit Card

Use credit cards even when your vendors don't accept them.

ACH Payment

ACH Payment

Make one-time or recurring ACH/RTP payments in one click.

Wire Transfers

Wire Transfers

Send money electronically from one financial institution to another.

Bill Pay

Bill Pay

Pay & schedule bills online, managing supplier payments & reducing risk.

Digital Checks

Digital Checks

Digitize your paper checks and make your payments via email or text.

Software Integration

Software Integrations

Integrate Zil Money with your accounting and payroll software.


Cloud Bank

Open an online checking account with Streamline payment management & save.

Payment Link

Payment Link

Create and send a secure URL for customers to make online payments easily.

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.

With Melio Payments alternative Zil Money, 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
A Diagram Showing Integration on Zil Money to QuickBooks in Front of Circle of Number of Different Types of Payments for Business, Featuring Melio Payments Alternative.

Process Credit Card Payments in QuickBooks

With Zil Money’s Payroll By Credit Card solution, businesses can easily process credit card payments with QuickBooks Online. It integrates seamlessly with QuickBooks Payroll, Gusto Payroll, and Zoho, allowing you to process payroll as usual while giving you the option to accept credit card payments. With our payroll check printing software, you can manage payments and receipts via eChecks and printable checks, streamlining your payroll process on a single platform.


In total transaction volume


Connected banks & financial institutions


Monthly business users


Total users, and growing

Cross-Platform Support

Utilize the application on the platforms of your choice. Install the application on your mobile devices and use its features whenever you want. A user-friendly platform for managing your financial needs from your mobile devices.

A Man Holding a Laptop, a Phone, and a Tablet with the Word "Melio Payments Alternative Zil Money" on It


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: Easily handle bill payments, instant check printing and mailing, invoicing, positive pay, and access User/API features across various 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 +