Zil Money
Payment processing software
Accounts payable (AP) & spend analysis software
Accounts receivable software
Enterprise payment software
Payment software
Procurement software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
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What is Zil Money
Zil Money is a payment and cash-disbursement platform focused on business check printing and sending, ACH/eCheck payments, and bill payment workflows. It is used by small and mid-sized businesses to pay vendors, manage outgoing payments, and support basic accounts payable processes. The product emphasizes multiple payment rails (printed checks, mailed checks, ACH/eCheck) and integrations/connectors to common accounting workflows. It also offers features such as check templates, approval-oriented workflows, and payment tracking for operational control.
Multiple payment rails
Zil Money supports several common business payment methods, including printed checks, mailed checks, and ACH/eCheck. This flexibility helps organizations accommodate vendors that do not accept card payments or require paper checks. It also reduces reliance on a single payment method when payment preferences vary across suppliers.
Check-centric AP capabilities
The platform provides tools for check creation, printing, and mailing workflows that many general-purpose payment tools treat as secondary. It supports check templates and operational controls that fit check-heavy industries. This can simplify day-to-day disbursements for teams that still rely on checks for a meaningful portion of payments.
Operational controls and tracking
Zil Money includes payment status tracking and workflow-oriented controls that help teams monitor outgoing payments. These features can support basic internal oversight, such as knowing what was issued, what is pending, and what cleared. For small finance teams, this can reduce manual follow-up and spreadsheet-based tracking.
Limited enterprise spend analytics
While it supports payment execution and basic AP workflows, it is not positioned as a full spend analytics suite. Organizations needing advanced category-level analysis, multi-entity consolidation, or deep procurement-to-pay reporting may require additional systems. This can create gaps for larger finance teams with formal spend governance requirements.
Procurement depth may be light
The product focuses on paying vendors rather than end-to-end procurement (requisitions, sourcing, contract management, and receiving). Companies seeking a complete procure-to-pay process may find the procurement functionality insufficient. In those cases, Zil Money typically fits as a payments layer rather than a full procurement platform.
Integration details vary by stack
Integration coverage and depth can depend on the specific accounting system and workflow requirements. Some organizations may need manual steps or middleware for reconciliation, approvals, or multi-system reporting. This can increase implementation effort compared with platforms that provide deeper native integrations across a broader set of finance tools.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Free | $0 / month | Create account and explore platform; basic payment features; limited monthly transactions; standard support; core integrations. |
| Pay-as-You-Go (Wallet) | Usage-based — initial recharge $30.00 | Initial wallet recharge $30. Transaction fees vary by funding source: credit card processing 2.9%/txn; ACH from Wallet: $0 on eligible ACH transactions; same-day ACH and some wires may incur fees; check mailing starts at $1.25/check. Pay-as-you-go/volume pricing and enterprise options available. |
| Premium | $499.99 / month | Premium plan includes all premium features, free 500 credits every month; bank accounts and users with no preset limits; ACH/Direct Deposit, domestic & international wire, virtual & physical cards, API and integrations. Transaction fees: 0.19% (min $0.10) after free credits (per premium plan page). |
| Business | Custom Pricing (contact sales) | Most businesses are on a Business plan with custom pricing; includes Zil Money Wallet (zero-fee eligible transactions), unlimited transactions, cash back on qualifying payments, credit-card vendor/payroll payments, bulk processing, priority support, integrations and advanced reporting. |
| Enterprise | Custom Pricing (contact sales) | Enterprise/large organization plans with white‑label options, dedicated account manager, SLAs, custom integrations and volume-based pricing. |
