Most businesses just get paid. You get paid and stay in control.
Keep received payments in your Zil Money Wallet. Use the balance to pay vendors instantly or transfer to your bank whenever you need to.
The Traditional Way
Customer pays you
Funds go to bank account
That’s it
The Zil Money Way
Customer pays you
Funds go to Zil Money Wallet
Use funds for payments or transfer to your bank anytime.
Stay On Top of Every Payment
Every payment lands in your Zil Money Wallet with instant notification, so you always know what’s been received.
← ••• →
Fast ACH Receiving
Customers pay you via ACH directly into your Zil Money Wallet. Funds are ready to use for payments or transfer to your bank.
← ••• →
Pay Vendors From Your Wallet
Use wallet balance to pay vendors, suppliers, and contractors directly, without moving money to your bank first.
← ••• →
Three steps to getting paid and staying in control.
Set Up How You Get Paid
Choose which payment methods to accept ACH, cards, payment links, invoices, or all of them. Connect your Zil Money Wallet to receive funds.
← ••• →
Customer Pays You
Customer pays via their preferred method.
Cards = standard processing fees apply. You choose which methods to accept.
← ••• →
Get Paid, Get Notified
Funds arrive in your Zil Money Wallet. You get instant notification. Use balance for outgoing payments or transfer to bank anytime.
← ••• →
Every way customers want to pay you.
More payment options = faster collections. Lower costs = more money kept.
ACH Payments
What It Is: Direct bank-to-bank transfers
Best For: B2B payments, larger invoices, recurring billing
Payment Links
What It Is: Send a link, customer clicks and pays
Best For: Quick payment requests, email/text invoicing, one-time charges
Credit/Debit Cards
What It Is: Accept all major cards
Cost to You: Card processing fees apply (see pricing)
Best For: Consumer transactions, smaller amounts, immediate payment
Professional Invoices
What It Is: Branded invoices with “Pay Now” button
Best For: B2B billing, project work, service invoicing
Recurring Billing
What It Is: Automatic recurring charges
Best For: Subscriptions, memberships, retainers, monthly services
Check Draft
What It Is: Secure, pre-created check drafts for simplified payment processing.
Best For: Businesses collecting payments efficiently with payer authorization.
ACH Payments
What It Is: Direct bank-to-bank transfers
Best For: B2B payments, larger invoices, recurring billing
.…..
Payment Links
What It Is: Send a link, customer clicks and pays
Best For: Quick payment requests, email/text invoicing, one-time charges
..….
Credit/Debit Cards
What It Is: Accept all major cards
Best For: Consumer transactions, smaller amounts, immediate payment
......
Professional Invoices
What It Is: Branded invoices with “Pay Now” button
Best For: B2B billing, project work, service invoicing
…...
Recurring Billing
What It Is: Automatic recurring charges
Best For: Subscriptions, memberships, retainers, monthly services
…...
Check Draft
What It Is: Secure, pre-created check drafts for simplified payment processing.
Best For: Businesses collecting payments efficiently with payer authorization.
…...
Don’t wait for payments. Request them.
Send payment requests directly to customers. You get notified instantly*.
How Payment Requests Work
Create Request
Enter customer details, payment amount, and optional message. Choose which payment methods to accept (ACH, cards, or both).
Send to Customer
Customer receives payment request via email or text. Includes secure payment link and all details.
Customer Pays Instantly*
Customer clicks link, chooses payment method (ACH or card), enters details, and pays. No account signup required.
You Get Paid
Instant notification when payment received. Funds arrive in your Zil Money Wallet.
Create Request
Enter customer details, payment amount, and optional message. Choose which payment methods to accept (ACH, cards, or both).
.…
Send to Customer
Customer receives payment request via email or text. Includes secure payment link and all details.
....
Customer Pays Instantly*
Customer clicks link, chooses payment method (ACH or card), enters details, and pays. No account signup required.
....
You Get Paid
Instant notification when payment received. Funds arrive in your Zil Money Wallet.
….
Transparent pricing. No surprises.
Know exactly what you pay to receive each payment type.
ACH Payments
Your Cost to Receive: See current ACH receiving rate*
Customer Experience: Direct bank transfer
Clearing Time: 1-2 business days typicall
✔ Your Benefit:
Funds go straight to your wallet, ready to use or transfer anytime.
⚙ Perfect For:
B2B payments, larger amounts, recurring billing
Payment Links (ACH)
Your Cost to Receive: See current ACH receiving rate*
Customer Experience: Click link, pay from bank
Clearing Time: 1-2 business days typicall
✔ Your Benefit:
Funds go straight to your wallet the moment your customer pays.
⚙ Perfect For:
Quick payment requests, email/text invoicing
Payment Links (Card)
Your Cost to Receive: Card processing fees apply (rates below)
Customer Experience: Click link, pay with card
Clearing Time: 1-3 business days typically
✔ Your Benefit:
Funds go straight to your wallet, ready to use or transfer.
⚙ Perfect For:
Consumer transactions, immediate payment
Card Processing Fees
Credit Cards:
- Standard rate + per-transaction fee (competitive industry rates)
- Exact rate shown before accepting payment
Debit Cards:
- Lower rate than credit cards
- Exact rate shown before accepting payment
Card processing fees vary by card type, transaction amount, and business type. Exact fees disclosed before each transaction.
Payment Requests
Your Cost to Receive: See current ACH receiving rate* for ACH requests; card processing fees for card requests
Customer Experience: Receive request, click, pay immediately
✔ Your Benefit:
Proactive collection funds go straight to your wallet the moment your customer pays.
Invoicing
Your Cost to Receive: Depends on customer’s payment choice
Customer pays via ACH: See current ACH receiving rate*
Customer pays via card: Card processing fees apply
✔ Your Benefit:
Include both payment options on invoices. Many customers will choose ACH for larger amounts, others will choose cards for convenience.
Recurring Billing
Your Cost to Receive: Depends on authorized payment method
Customer authorizes ACH: See current ACH receiving rate* per charge
Customer authorizes card: Card processing fees per charge
✔ Your Benefit:
Offer a slight discount for ACH authorization. Customers save money and you save on processing fees.
Card processing fees apply to all card transactions and vary by card type, transaction amount, and business type. Clearing times are estimates and may vary based on financial institution processing. All services subject to approval, identity verification, and compliance requirements. Terms apply. Visit zilmoney.com terms and conditions.
Businesses that get paid and stay in control.
Three businesses using their Zil Money Wallet to simplify how they get paid.
Cory Edwards
Owner Edwards Holdings Realty
“The most helpful part is that Zil Money can be used by everyone. It’s very easy to navigate. THE USER INTERFACE is very easy to learn.
It solves the problem of having various accounting software separately and unable to integrate. It allows seamless organization.“
← •••• →
Rachel Ruiz
Business Strategy Manager, Lennar Title
“Working with Zil Money has been such a great experience. We use their platform to create and send eChecks to multiple parties, and it’s been incredibly smooth and efficient. Anytime we have a question or run into an issue, their team is quick to respond and always helpful. They’ve consistently gone above and beyond to support our needs, and it’s made a real difference in our workflow. I highly recommend Zil Money to anyone looking for a reliable, attentive, and efficient vendor.”
← •••• →
Mike S
Experity
“Zil Money has been a game-changer for our business! Their payment support is top-notch—quick, reliable, and always ready to assist with any questions we have. We’ve also seen significant cost savings on ACH and wire transfers, and their discounted FedEx shipping rates have helped us reduce expenses even further. Zil Money has streamlined our payment processes and saved us both time and money. Highly recommend it to any business looking for a hassle-free and cost-effective payment solution!”
← •••• →
Alex Craig
Owner/CEO Codex Group
“I primarily use their online check writer platform. I like it because it’s easy to use and allows multiple options for remitting payment to someone (print a check, mail a check, email a check, direct ACH transfer, etc.). Their fees are also really low. My bank started charging to use bill pay services. I switched all of it to online check writer because their fee to mail a check is much lower than what my bank charges to mail a check through their bill pay service.”
← •••• →
Your wallet isn’t just where payments land. It’s where you stay in control.
Most businesses immediately transfer received payments to their bank. Smart businesses keep an operating balance in their wallet for faster, more flexible payouts.
Keep Funds Ready to Use
Keep a balance in your wallet so it’s ready the moment you need to pay a vendor, cover payroll, or transfer to your bank. No need to wait on a bank transfer first.
← ••••• →
Pay Vendors Directly From Your Wallet
Use your wallet balance to pay vendors, contractors, and suppliers directly. No need to transfer to your bank and back out again.
← ••••• →
Instant Payment Capability*
Wallet balance available for real-time payments. Emergency vendor payment? Pay from wallet instantly*. No waiting for bank transfers to clear.
← ••••• →
Complete Payment Control
All incoming and outgoing in one place. See complete cash flow picture. Better financial management with unified view.
← ••••• →
Flexibility When Needed
Transfer to your bank account anytime. Your wallet isn’t a lock-in — it’s a flexible place to keep operating capital ready for whatever payment comes next.
← ••••• →
Traditional Approach:
Customer pays
Bank account
Sits earning nothing
Transfer out to pay vendors (pay fees)
The Zil Money Way
Customer pays
Wallet (ready to use immediately)
Pay vendors directly from wallet
Transfer excess to bank
You’re using the same operating capital why not keep it flexible and ready to use?
Enterprise-level security on received payments and wallet balances.
FDIC Member Bank Partners
Banking services provided through partnerships with FDIC member banks. Your wallet funds benefit from banking partner protections.
...
256-Bit Encryption
All payment data and wallet information encrypted with Enterprise-level security. Customer payment details and your wallet balance stay protected.
...
PCI DSS Compliance
Full compliance with Payment Card Industry standards for card payment acceptance. Your customers’ card data is secure.
...
Fraud Monitoring
Advanced fraud detection monitors incoming payments for suspicious activity and helps prevent unauthorized transactions.
...
Multi-Factor Authentication
Multiple authentication layers protect your account and wallet access. Only you can access your funds.
...
Secure Payment Pages
All payment acceptance pages served over HTTPS with SSL certificates. Customers see security indicators confirming legitimate payment process.
...
Trusted by 1M+ businesses to securely receive and manage payments totaling $100B+ annually.
Questions about receiving payments.
ACH receiving fees are low and transparent — see the current rate on our pricing page. Funds deposit directly to your Zil Money Wallet, ready to use or transfer anytime.
Card processing fees apply when customers pay via credit or debit card. Exact fees vary by card type and transaction amount, and are disclosed before you accept payment. Card payments also land in your wallet, ready to use or transfer.
No. Transfer to your bank account anytime. Many businesses keep 1-2 weeks of operating capital in their wallet so funds are ready for outgoing payments without waiting on a bank transfer.
Create a payment request with the amount and customer details. The system sends a secure link to your customer by email or text. They click, choose a payment method (ACH or card), and pay. You get instant notification the moment funds arrive.
Yes. Set up recurring billing for subscriptions, memberships, or regular services. Your customer authorizes once and you collect automatically ACH or card, whichever they prefer. Card recurring charges standard processing fees.
ACH payments typically clear in 1-2 business days. Card payments typically clear in 1-3 business days. You get instant notification when payment is received, though clearing time varies by financial institution.
Yes. Banking services provided through FDIC member bank partners. Funds protected with enterprise-level security, encryption, fraud monitoring, and multi-factor authentication.
You're notified immediately. For recurring billing, system automatically retries failed payments and notifies customer to update payment method. You see status in real-time.
Yes that's a key benefit. Use your wallet balance to pay vendors, suppliers, and contractors directly, without waiting on a bank transfer first.
Works with your existing tools.
Accounting Software
Most businesses immediately transfer received payments to their bank. Smart businesses keep operating balance in wallet
