Real Time
Delivery
24/7/365
Available
99.9%
Bank Coverage
Instant
Confirmation
Why use Zil Money for real-time payments?
Three reasons businesses are switching.
Real Time Delivery.
Money arrives in real time. Send directly from your bank account or your Zil Money Wallet.
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Always Available
2 AM Saturday, same speed as 2 PM Tuesday. No banking hours.
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Instant Confirmation
Know the second funds are received. No wondering.
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Real situations where ‘real time’ matters.
Four urgent scenarios. One solution.
Emergency Payment
Saturday equipment breakdown. Vendor needs payment to start repair. Real time payment solves it.
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Time-Sensitive Deal
Supplier discount expires today. Competitor bidding too. Instant payment wins the deal.
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After-Hours Crisis
Sunday night emergency. Can’t wait for Monday. Real-time payment works 24/7.
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Relationship Critical
Key supplier needs immediate payment. 10 seconds preserves the relationship.
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Four steps. Real time.
From decision to delivery in under a minute.
Pre-load your Zil Money Wallet
Transfer funds from your bank to your Zil Money Wallet to fund real-time payments and other payment methods.
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Enter recipient details
Add recipient bank info and amount. The system instantly verifies they can receive real-time payments.
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Click send
One click, transmitted immediately. Works at 2 AM Sunday same as 2 PM Tuesday.
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Receive confirmation
Funds arrive at the recipient’s bank. You get instant confirmation.
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Who can receive real-time payments?
About 99.9% of U.S. banks participate all major banks included.
How It Works:
Before you send:
System verifies recipient bank participation instantly.
If RTP available:
Real time delivery
➡ If RTP not available:
System shows alternatives:
- Same-day ACH (same business day, fees may apply)
- Standard ACH (1-2 business days)
- Digital check (recipient timeline)
📈 Network Coverage: Approximately 99.9% of U.S. demand deposit accounts.
How businesses actually use real-time payments.
Three real situations. Three different urgencies.
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.“
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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.”
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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!”
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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.”
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One wallet. Every payment method.
Real-time payments are just one option your wallet unlocks.
Real-Time Payments
Speed: ~10 seconds
Best For: Critical urgency, after-hours needs, instant settlement
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Standard ACH
Speed: 1-2 business days
Best For: Regular payments, scheduled transfers, routine obligations
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Same-Day ACH
Speed: Same business day
Best For: Faster than standard ACH, doesn’t require 10-second delivery
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Digital Checks
Speed: Recipient timeline
Best For: Traditional vendors, documentation needs, check requirements
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Wire Transfers
Speed: Same business day
Best For: Large international payments, specific wire requirements
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Common questions about real-time payments.
Quick answers to help you decide.
Payments typically complete in about 10 seconds from click to confirmation. Fast enough to send payment during a phone call and have confirmation before conversation ends. You'll see instant confirmation once the payment is accepted by the recipient's bank through the RTP ® network.
Yes. Real-time payments work 24/7/365—nights, weekends, holidays. 2 AM Sunday = same speed 2 PM Tuesday.
System checks before you send and tells you immediately. If their bank doesn't participate (about 35% don't yet), you see alternatives: same-day ACH or standard ACH—most.
Real-time payments use bank-level security: 256-bit encryption, multi-factor authentication, fraud monitoring, SOC 2 certification. Once delivered and confirmed, RTP payments are final and cannot be reversed—both parties get certainty. Your wallet funds have the same protection as your bank account.
During submission (a few seconds), yes. After delivery confirmation, no payment is final and irrevocable. This finality protects both parties. Recipient can trust the money. You can move on to the next task.
Limits depend on your account verification level and recipient bank limits. Most RTP transactions range from small amounts to several thousand dollars. Contact us for specific limits based on your business needs.
Yes, transfer back to your bank account anytime. Wallet isn't a lock-in—it's a convenience. Most businesses keep 1-2 weeks of payment capacity in wallet, transfer more as needed.
Yes. All transactions are subject to verification, account approval, and compliance review. Real-time payments require both sender and recipient banks to participate in the RTP® network.
Trusted by 1M+ businesses processing $100B+ annually
Real-time payment services are provided through Zil Money. Banking services are offered through FDIC member banks. Real-time payment delivery times are typically within seconds but may vary. Both sending and receiving banks must participate in The Clearing House RTP network. RTP network participation required for successful delivery. Not all banks participate in RTP network; alternative payment methods available when RTP not supported. Once confirmed delivered, real-time payments are final and irrevocable. Payment limits may apply based on account type and recipient bank. Processing times are estimates and may vary based on network conditions and participant bank systems. Same-day ACH and wire transfer fees may apply. All services subject to approval, identity verification, and compliance requirements. Security features help reduce risk but do not guarantee prevention of all fraud. Terms, conditions, fees, and eligibility requirements apply to all services. Visit zilmoney.com terms and conditions for complete details, current rates, RTP network participation information, and full terms and conditions.
