Plastiq Alternative

Plastiq Alternative, Zil Money, enables you to pay your vendors, suppliers, or contractors using a credit card, even if they do not accept them. You can pay virtually all business expenses with your existing credit cards, even when they are not accepted. You will be rewarded if you make the most of your margins. Your recipient doesn’t need to have a merchant account. Payment is made to the receiver via check, wire transfer, or ACH transfer.

Additionally, Zil Money offers an online banking service called Zil. On Zil, you can pay and get paid by wire, check draft, and check by mail at low transaction fees.


Key figures


New Customers a Week

Transactions Per Week

Enhanced Cash Flow Management and Payables

Enhanced Cash Flow Management and Payables

  • You can pay vendors with a credit card or use instant short-term financing to unlock working capital.
  • With invoice data capture, you can automate your payables and pay your bills more efficiently.
  • Easily track your entire payables operation at a single glance.


Check Printing

Check Printing

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


Pay By Credit Card

Now pay by credit card even if they don’t accept them.

Email Check

Cloud Bank

Open an online bank account with no hidden charges.

Check Mailing

Check Mailing

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



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


Wire Transfer

Transfer money electronically from one financial institution to other.

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


Integrate with the top third-party applications.

Deposit Slips

Deposit Slips

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

Get Paid Button

Payment 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.

Improved Receivables & Payment Collection

  • Zero merchant fees for credit cards and debit cards
  • Payment links, e-commerce Checkout SDKs and QR codes can all be used to get paid.
  • Paying you directly into your bank account means you get paid 7-10 days faster.
Improved Receivables & Payment Collection


Upward Scholars
City of Columbia
Law Enforcement Veteran
ST Johns School
AOK Leadership
American Red Cross
ST Louis County Missouri
City of Columbia
Argonne National Laboratory
Coca Cola
United We Lead Foundation
South Shore Support
American Interiors
Pay Anyone with Credit Card

Pay Anyone with Credit Card

Zil Money makes credit card payments simple and safe. The software lets companies and people transmit credit card payments to anybody. The cloud-based platform makes paying bills, rent, taxes, etc easy. You can pay anyone even if they don’t accept credit cards. With Zil Money’s Pay By Credit Card feature, the payee will receive the amount as ACH, wire, check, or virtual card without any merchant fees.

Why Zil Money!

A technology-first approach to payments and finance

Easy to Access

High Security

Easy Payment

Payroll By Credit Card

Zil Money offers businesses a flexible and effective alternative to process payroll by credit card. The platform allows businesses to set up credit card payroll payments, simplifying the procedure and offering several benefits. Businesses may earn points, cashback, and other perks by paying staff with credit cards. Using credit card billing cycles to defer cash withdrawals improves cash flow management. Zil Money protects credit card data for salary transactions. Businesses may plan and automate payroll payments using its user-friendly interface, assuring accurate and timely employee remuneration. Zil Money offers credit card payroll to streamline payroll, improve financial freedom, and earn incentives.

Payroll By Credit Card


Frequently Asked Questions(FAQ)

How to pay by credit?

With Zil Money, you can easily pay your vendors with a credit card even if they don't accept them. No fees will be levied from the merchant at the occasion of payment. Also, a merchant account is not necessary for them to receive payments.

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

 Yes, you can! Zil Money processes your credit card payment and the vendor's payment by ACH or check. The vendor will be paid through the company, but you will receive rewards and be able to defer payments to manage your cash flow better. Plastiq does not support cash management and receivable ledger maintenance.

Is there any other option besides Plastiq?

Zil Money is the best Plastiq Alternative which lets you pay your vendors via credit card even if they don't accept them.

Plastiq vs Zil Money

Zil Money lets you manage your finances efficiently with expert accounts payable software, which makes it the best Plastiq alternative.
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 +