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The Problem Nobody Puts on a Slide Deck
The real damage isn’t just the fees – though $3 to $5 per outgoing ACH transaction absolutely adds up when you’re processing dozens a week. The deeper problem is friction. Every platform switch is a delay. Every manual reconciliation is an error waiting to happen. Every time you need same-day ACH and have to escalate through a bank portal, you’re burning time your team doesn’t have.
And refunds? They’re often the worst part. A customer’s return triggers a reversal, but since your refund process lives in a different system than your original disbursement, you’re starting from scratch every time. For businesses running lean, this is genuinely unsustainable.
What Running ACH Payments Should Actually Look Like
Imagine one platform where you send vendor payments, collect customer payments, run payroll, and process refunds – all with $0 fees on eligible transactions when using the Zil Money Wallet. No per-transaction charges are eating into your margins. No monthly fee surprises. Just clean, fast, unified ACH that works the way modern business actually operates. That’s exactly what Zil Money has built.
How Zil Money Solves the Problem in Practice
Start with the wallet model. When you load your Zil Money Wallet and use that balance for ACH payments, eligible transactions cost you nothing per transfer. Traditional processors charge $3–$5 outgoing, $0.50–$1.50 incoming, and up to $15 for same-day. One mid-size business cut $4,800 in annual ACH fees simply by switching to the wallet model. That’s a real number – and for most businesses, it’s conservative.
Get bidirectional control in one dashboard. The platform handles both ACH credits and debits from a single environment. You’re not toggling between systems to collect installments while simultaneously disbursing payments. Everything is visible, trackable, and manageable from one place – which means reconciliation stops being a Monday morning nightmare and starts being automatic.
Choose your speed without changing platforms. Standard ACH for planned payments. Same-day ACH when a vendor relationship is on the line or payroll needs a correction at 2 p.m. You make the call, and both options live in the same workflow. No bank portal detour required.
Automate the repetitive stuff. Recurring vendor contracts, subscription collections, regular contractor payments – set them once and let the platform handle the rest. Zil Money’s bulk ACH processing via CSV upload also means payroll runs, and commission batches don’t require a full afternoon of manual entry.
Handle returns without a headache. Returned ACH payments surface automatically with clear reason codes and resolution options. No hunting across systems, no manual cross referencing. Returns management is built in, not bolted on.
The Bottom Line
Businesses that are still running ACH payments through fragmented, fee-heavy stacks aren’t just overpaying – they’re underperforming. The consolidation case is straightforward: fewer vendors, unified visibility, zero eligible transaction fees through the wallet, and the kind of automation that gives your operations team their time back.
If ACH payments are core to how your business moves money, they deserve infrastructure that actually works for you. Ready to see what $0 eligible ACH fees looks like for your business? Start using your Zil Money Wallet today.
