Built for Professional Firms

Collect client payments directly to your wallet.

Pay expenses directly from your wallet. Or use your credit card.

Complete payment infrastructure for professional firms clients pay you via ACH to wallet, you pay contractors and vendors directly from wallet, or use credit card for cash flow flexibility. From solo practices to multi-partner firms.

Streamline Firm Payments
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Credit card processing fees apply. Terms apply. Visit zilmoney.com/terms

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Collect Client Payments via ACH

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Pay Vendors Directly from Wallet

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Pay Anyone with Credit Card Option

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Trust Account Compatible

Two ways to transform your firm’s payment economics.

The wallet strategy. The credit card strategy. Use both.

A blue credit card with a wave design, showing how you can turn your card payment into perks and rewards.

The Wallet Strategy: Pay Directly From Available Cash

How It Works:

  • Clients pay invoices via ACH → Funds arrive in wallet
  • Keep operating balance in wallet → Track everything in real time
  • Pay contractors, vendors, expenses from wallet → Directly from your balance

What You Save:

  • Traditional collection: 2.9-3.5% per client payment
  • Traditional contractor payments: $3-5 per transaction
  • Result: Simplify collection and payment into one wallet balance

Impact: Revenue collection and expense payments both run through one balance

← ••• →

A blue credit card with a wave design, showing how you can turn your card payment into perks and rewards.

The Credit Card Strategy: Ultimate Cash Flow Flexibility

How It Works:

  • Pay any contractor, vendor, or expense with your business credit card
  • Even if they don’t accept cards we pay them via ACH, wire, or check
  • Card payment due 30-45 days later
  • Earn rewards based on your card terms

What You Gain:

  • Bridge timing gaps between client billing and payment
  • Cover expert witness fees before client reimbursement arrives
  • Float operating expenses during slow collection periods
  • Result: Pay everyone on time regardless of cash position

Impact: Never delay payments due to cash flow—just smart timing

← ••• →

Use wallet when cash is available. Use credit card for flexibility.

Scenario 1: Steady Cash Flow

Situation: Clients paid on time, wallet has operating balance

Strategy: Pay contractors and vendors from wallet
Payment: Directly from wallet balance

Benefit: Simple payment from available cash

← ••• →

Scenario 2: Timing Gap

Situation: Large expert witness fee due before client payment arrives

Strategy: Pay expert with business credit card
Fees: Standard credit card processing (earn rewards)
Benefit: Expert paid immediately, card bill due after client pays you

← ••• →

Scenario 3: Month-End Crunch

Situation: Multiple contractor payments due, client payments coming next week

Strategy: Pay contractors with credit card, collect to wallet next week
Fees: Credit card processing upfront, future payments directly from wallet
Benefit: Everyone paid on time, no relationships damaged

← ••• →

The Smart Firm Approach:

Use Wallet When:

Cash flow is steady → Pay directly from your balance

← ••• →

Use Credit Card When:

Need flexibility → 30-45 day float

← ••• →

Result:

Financial flexibility + simplified operations + professional relationships protected

← ••• →

What changes with Zil Money.

A blue credit card with a wave design, showing how you can turn your card payment into perks and rewards.

Client Payment Collection:

Before Zil Money:

  • Accept credit cards: Lose 2.9-3.5% per payment
  • Accept checks: Wait for mail, deposit delays, no integration
  • Wire transfers: Client pays fees, you pay fees, friction everywhere

With Zil Money:

  • Client pays via ACH to your wallet: Direct to your balance
  • Payment integrated into invoice: Client clicks, pays, done
  • Funds available in days: Use for expenses immediately

Impact: One wallet handles both collection and payment

← ••• →

A blue credit card with a wave design, showing how you can turn your card payment into perks and rewards.

Contractor & Vendor Payments:

Before Zil Money:

  • Bank ACH: $3-5 per payment
  • Bank wire: $15-50 per payment
  • Checks: Time + materials + postage
  • Limited by cash in bank: Can’t pay until client pays you

With Zil Money:

  • Pay from wallet: Directly from your balance
  • Pay with credit card: Float 30-45 days + earn rewards (processing fees apply)
  • Bulk processing: Everyone paid in minutes
  • Never limited by timing: Credit card bridges gaps

← ••• →

Everything professional firms need.

Client Payment Collection

Create professional invoices with integrated “Pay Now” buttons. Clients pay via ACH to your wallet.  Time-based billing, expenses, disbursements all included.

← ••• →

Wallet Payment Processing

Use wallet balance to pay contractors, vendors, court costs, expenses. Bulk processing available. Complete documentation for client billing.

← ••• →

Credit Card Payment Option

Pay any contractor or vendor with your business credit card even if they don’t accept cards. We pay them via ACH, wire, or check. You get 30-45 day float. Standard credit card processing fees apply.

← ••• →

Trust Account Management

Proper segregation of client trust funds from operating funds. Complete documentation for bar audits. Transaction tracking by client and matter.

← ••• →

Automated 1099 Management

Automatic tracking of all contractor payments (wallet or credit card). Generate 1099-NEC and 1099-MISC forms at year-end with one click. IRS-ready documentation.

← ••• →

Retainer Billing Automation

Set up once, collect automatically forever. Client authorizes payment method, system charges monthly via ACH.

← ••• →

Your operating account, built around how you get paid.

How The Wallet Works:

Step 1:

Collect Directly: Clients pay invoices via ACH → Funds arrive in wallet → Ready to use immediately

← •••• →

Step 2:

Track every transaction in real time → Complete visibility into working capital

← •••• →

Step 3:

Pay Directly: Use wallet balance for contractors, vendors, expenses → Straight from your balance

← •••• →

Or Step 3 Alternative:

Pay with Credit Card Use credit card for any payment when you need flexibility → 30-45 day float + rewards → Credit card processing fees apply

← •••• →

Pay anyone with credit card. Even if they don’t accept cards.

Perfect For:

Expert Witness Fees: Pay expert fee with card, client reimburses later, card bill due after reimbursement

← •••• →

Retainer to Co-Counsel: Pay retainer to specialist attorney, float the timing gap

← •••• →

Court Costs & Filing Fees: Pay immediately to meet deadlines, bill client later

← ••••• →

Seasonal Staffing: Cover tax season preparers before revenue surge

← ••••• →

Project Start-Up Costs: Fund initial expenses before client advances arrive

← ••••• →

How It Works:

You pay Zil Money with your credit card → We pay contractor/vendor via their preferred method (ACH, wire, check) → They get paid immediately → Your card bill due 30-45 days later

Note: Standard credit card processing fees apply to all credit card payments.

The Math:

Credit card processing fee (typically ~2.9%) vs. value gained:

  • 30-45 day cash flow float
  • Rewards earned (1.5-2% typical on business cards)
  • Relationships protected (everyone paid on time)
  • Opportunities captured (never delay engaging experts)

Strategic value often exceeds fee cost

Understanding both strategies.

When should I use wallet vs. credit card? +

Use wallet when you have operating balance available. Use credit card when you need flexibility, timing is tight, or you'd rather bridge the gap with float. Most firms use both strategically based on current cash position and transaction type.

What does credit card payment flexibility cost? +

Standard credit card processing fee applies (typically ~2.9%, varies by transaction type and payment method). Compare this to: 30-45 day float value, rewards earned (typically 1.5-2%), ability to pay everyone on time, opportunities not missed. Strategic value often exceeds fee cost.

Can I switch between strategies? +

Yes. Use wallet for payments when cash is available, credit card for other payments or when you need flexibility (processing fees apply). Choose based on your current cash position, transaction eligibility, and timing needs. Complete flexibility.

Clear pricing for both strategies.

Client Payment Collection

Client ACH collections to wallet

Included

contractor/vendor payments from wallet

Direct from your balance

Operating balance in wallet

← ••• →

Credit Card Strategy

Credit card payments

Standard processing rates

(typically ~2.9%)

Rate varies by transaction type and payment method

Value received:

  • 30-45 day float
  • Card rewards
  • Timing flexibility

← ••• →

Platform

Setup

Free

Invoice creation

Unlimited

Payment processing

Choose wallet (direct from balance) or card

Enterprise Ready

  • Advanced reporting
  • API access
  • Priority support

← ••• →

Two strategies. Complete flexibility. Your choice.

Collect client ACH payments directly to your wallet. Pay expenses from that same balance. Use credit card for everything else.

The Wallet Approach:

  • Collect client ACH payments to wallet: Direct to your balance
  • Pay contractors and vendors from wallet: Directly from your balance
  • Keep operating balance visible: Real-time tracking on every transaction
  • Result: Revenue and expenses both run through one balance

    ← •• →

    The Credit Card Approach:

    • Pay any contractor or vendor with card: Even if they don’t accept cards
    • 30-45 day float on every payment: Timing flexibility
    • Earn rewards on all payments: Based on your card terms
    • Result: Never limited by cash timing (processing fees apply)

      ← •• →

      Get Both Strategies
      Schedule a Demo

      Direct Wallet Payments, No Middleman

      Credit Card Flexibility Available

      Trust Account Compatible

      SOC 2 Certified