Payments Made Easy for Retail Business

Retail businesses can send and receive payments with zero stress

Keep shelves stocked and staff paid—without visiting a financial institution

Accept payments from customers faster than you say “next in line”

One platform. Every payment option you need

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

An Image That Shows A Laptop Screen. Retail Payment Solutions, Pay and Get Paid Via ACH and Wire
Instant Payments, No Barriers – Pay Anyone by Credit Card Today!
1M+

online business accounts

91B+

transaction volume

16M+

checks processed

A Man Holding A Smartphone To Make A Payment Easily. Retail Payment Solutions

Get Paid Faster with Payment Links

  • Send secure payment links via email or SMS—customers pay using credit cards or a bank account.
  • No coding, no hassle—just click, send, and get paid.

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Pay by Check – Your Way, Every Day

  • Check Mailing – The platform prints, envelopes, stamps, and mails your checks for just $1.25.
  • eChecks – Send digital checks as one-time printable PDFs via email—quick, easy, and secure.
An Image That Shows A Person Using A Laptop, Pay by Check Your Way, Every Day. Retail Payment Solutions
A Hand Holding Credit Card. Retail Payment Solutions. Pay and Get Paid Via ACH and Wire

Credit Cards & Virtual Cards – Total Control Over Spending

  • Issue virtual cards instantly for staff, online orders, or travel.
  • Use your credit card to make vendor or payroll payments.
  • Earn cashback and control spending with real-time tracking.
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ACH & Wire Transfers – Professional Payments Without the Fees

  • Send ACH payments for regular bills or vendor dues.
  • Same-day ACH available for urgent transfers.
A Woman Using A Smartphone To Make ACH and Wire Transfer Easily. Retail Payment Solutions

FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions(FAQ)

How can Zil Money simplify payments for retail businesses?

From stocking inventory to paying staff, Zil Money lets you handle it all without stepping into a financial institution. Whether it's printing checks, sending ACH payments, or using virtual cards, you can manage your entire cash flow from one secure platform.

Can I accept payments from customers without building a website or app?

Absolutely! With Payment Links, you may get paid instantly. Just generate a secure link and send it via email or text. Customers may pay using credit cards or bank accounts—no coding, no stress.

Is it possible to control team spending across locations?

Yes! You can issue virtual cards instantly for employees or departments. Set limits and track spending in real time. It's perfect for online orders, travel, or managing branch-level expenses.

Online Check Mailing vs In-Store Banking

In-store banking eats up time and energy—standing in line, writing checks, and mailing them yourself. Online Check Mailing with Zil Money costs just $1.25 per check (printing, postage, and all), and the platform handles everything for you. It's faster, smarter, and made for busy retail life.
Zil Money - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $49.99/Year

Every Customer Review is a Story of Trust

During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.

Greg Forrest

Owner of Spherion Staffing & Recruiting

Best partner of your life! Zil Money is my new bestfriend!

Sharmaine Buen Maloloy-on

Sales Account Manager at Bigleap Technologies Inc

Looking for better options for your business? Zil Money accompanies you.

Sergio Alvarado Garcia

Community Manager at Rebeca Nails Art

I enjoy using Zil Money for 3 key reasons. Record keeping, as it keeps a database of the checks each unique user has loaded. Being able to navigate and cut checks from different bank accounts. Pulling up the 1099s at the end of the year for vendors and ensuring all of the checks we cut to them can be easily accessed and a number is given.

Alonso Noriega

Accounting Manager at LT Property Management LLC

15-Day Free Trial Available!

No credit card required.

A Person Holding A Smartphone That Shows Credit Card Payment, Pay Workday Payroll By Credit Card - Flexible Payment Solutions