Zil Money

Zil Money is a fintech platform that provides a comprehensive payment operations solution, allowing businesses to send, receive, and automate payments with zero fees on eligible transactions and cash back on qualifying payments.

Zil Money is a financial technology company that offers a range of payment management solutions for businesses, including online check writing, credit card payments, ACH payments, and wire transfers. The company provides a user-friendly platform for businesses to manage their finances, pay bills, and get paid. Zil Money is not a bank or an FDIC member, but it offers banking services through partnerships with FDIC member banks.

"Your complete payment operations platform. Zero fees. Real rewards."

zilmoney.com

About Zil Money

Zil Money is a Finance company serving global markets. Zil Money is a financial technology company that offers a range of payment management solutions for businesses, including online check writing, credit card payments, ACH payments, and wire transfers. The company provides a user-friendly platform for businesses to manage their finances, pay bills, and get paid. Zil Money is not a bank or an FDIC member, but it offers banking services through partnerships with FDIC member banks.

Company Details

Niche

Finance

What Zil Money Offers

9 products and services

Positive Pay

Positive Pay is a check fraud prevention service by Zil Money that automatically verifies every check presented for payment against...Positive Pay is a check fraud prevention service by Zil Money that automatically verifies every check presented for payment against your authorized check register. Unauthorized or mismatched checks are blocked before clearing your account, providing real-time, automatic protection for every check you issue.

Automatic check detail transmission to your bank’s Positive Pay system

Real-time verification of check number, amount, payee, and date

Document Mailing

Zil Money's Document Mailing service enables businesses to send PDFs, checks, and invoices to multiple recipients instantly with flexible shipping...Zil Money's Document Mailing service enables businesses to send PDFs, checks, and invoices to multiple recipients instantly with flexible shipping options and secure tracking—all from one platform. The service streamlines document delivery, automates workflows, and provides enterprise-grade security and compliance.

Batch Processing: Mail multiple documents to several recipients simultaneously

Flexible Shipping: Choose from First Class, Priority, or Express Mail

Virtual Cards

Zil Money Virtual Cards allow businesses to instantly create virtual payment cards that can be restricted to specific vendors or...Zil Money Virtual Cards allow businesses to instantly create virtual payment cards that can be restricted to specific vendors or purposes, providing granular control over spending, reducing fraud risk, and eliminating unauthorized purchases. Cards can be issued instantly from your Zil Money wallet, integrated with Apple Pay and Google Pay, and managed in real time.

Instant virtual card issuance from Zil Money wallet

Vendor-specific card restrictions (e.g., card only works at Google, Home Depot, etc.)

International Payments

Zil Money’s International Payments solution enables businesses to send money across borders quickly, affordably, and transparently. Leveraging Ripple’s blockchain network,...Zil Money’s International Payments solution enables businesses to send money across borders quickly, affordably, and transparently. Leveraging Ripple’s blockchain network, users can transfer funds from their Zil Money wallet directly to recipient bank accounts worldwide, with near-instant settlement, low fees, and full transaction visibility.

Wallet-to-bank account transfers (no correspondent banks)

Instant settlement via Ripple blockchain

Zil Money Payment Operations Platform

Zil Money Payment Operations Platform is a comprehensive, cloud-based fintech solution that enables businesses to send, receive, and automate payments...Zil Money Payment Operations Platform is a comprehensive, cloud-based fintech solution that enables businesses to send, receive, and automate payments across all major payment rails (ACH, wire, check, international, credit card, virtual card, and more) with zero fees on eligible transactions and the ability to earn cash back on qualifying payments. The platform consolidates all payment operations, automates workflows, integrates with 22,000+ banks and major accounting software, and offers robust security and compliance for businesses of all sizes.

Send payments via ACH, wire, check (digital or mailed), international, bill pay, virtual cards, and credit card

Receive payments and automate accounts receivable

Integrations

Zil Money Integrations allow businesses to effortlessly connect their accounting, payroll, and business management platforms with Zil Money, enabling seamless...Zil Money Integrations allow businesses to effortlessly connect their accounting, payroll, and business management platforms with Zil Money, enabling seamless import and management of financial data, checks, and payments on a single, user-friendly platform.

Import business data from popular accounting and payroll platforms

Manage checks, payments, and transfers in one place

Check Mailing Service

Zil Money's Check Mailing Service allows businesses to design checks online, which are then printed on secure check stock, enveloped,...Zil Money's Check Mailing Service allows businesses to design checks online, which are then printed on secure check stock, enveloped, and mailed via USPS First Class. The service is fully online, automates the check mailing process, and provides professional quality, security, and tracking. It is designed to save businesses time and reduce costs associated with manual check mailing.

Online check design with custom branding (logo, colors, layouts)

Professional printing on secure check stock with advanced security features (microprinting, watermarks, security backgrounds, chemically reactive paper)

Developer API

Zil Money's Developer API provides a unified, enterprise-grade payment infrastructure for businesses to process ACH, wires, checks, cards, and more...Zil Money's Developer API provides a unified, enterprise-grade payment infrastructure for businesses to process ACH, wires, checks, cards, and more through a single integration. The solution includes white-glove implementation, dedicated technical support, custom workflows, and contractual SLAs, allowing businesses to own the customer experience while Zil Money manages the backend infrastructure and compliance.

ACH transfers (same-day and standard, batch processing, reconciliation)

Wire transfers (domestic and international, Federal Reserve and SWIFT networks)

Zil Money Wallet

Zil Money Wallet is a business digital wallet solution that enables businesses to pay vendors, suppliers, and contractors with zero...Zil Money Wallet is a business digital wallet solution that enables businesses to pay vendors, suppliers, and contractors with zero transaction fees on eligible payments. It offers instant wallet loading, cash back rewards on qualifying transactions, and a complete payment ecosystem with enterprise-grade security. The wallet is trusted by over 1 million businesses and supports a wide range of payment and integration capabilities.

Load wallet instantly from any bank account (no minimums or maximums)

Send payments to vendors, suppliers, and contractors

Products & Offerings

Detailed information about Zil Money's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.

Positive Pay

https://zilmoney.com/positive-pay/

Positive Pay helps businesses prevent check fraud by matching every presented check against an approved register. If any detail (check number, amount, payee, date) does not match, the check is blocked and the business is notified to approve or reject the transaction. The service is integrated into Zil Money's platform, automating the process and reducing manual work.

Added 12/1/2025

Product Overview

Positive Pay is a check fraud prevention service by Zil Money that automatically verifies every check presented for payment against your authorized check register. Unauthorized or mismatched checks are blocked before clearing your account, providing real-time, automatic protection for every check you issue.

Detailed Description

Key Features

Automatic check detail transmission to your bank’s Positive Pay system
Real-time verification of check number, amount, payee, and date
Exception handling: notifications for mismatches, with user approval or rejection
Protection against stolen, altered, counterfeit, and washed checks
Complete audit trail from check creation to clearing
Works with printed, mailed, and all check types drawn on business accounts
Scales with check volume

Key Benefits

Automatic, real-time fraud prevention for every check issued
Blocks unauthorized, altered, or counterfeit checks before funds leave your account
Reduces risk of check fraud, which costs U.S. businesses over $800 million annually
Integrated into Zil Money workflow—no manual uploads or daily tasks
Exception notifications only when review is needed
Complete audit trail for all checks
Works with most major business banks

How It Works

1.You issue checks through Zil Money; check details (number, amount, payee, date) are automatically sent to your bank’s Positive Pay system.

2.When a check is presented for payment, the bank compares it in real-time to your authorized register.

3.If all details match, the check clears normally.

4.If there is a mismatch, the check is blocked and you are notified to approve or reject.

5.Unauthorized checks are rejected automatically.

Documentation

View Documentation

Who Is It For

Businesses issuing checks (of any volume)
Companies with high check volume
Growing companies with less financial oversight
Organizations with multiple check signers
Any business user issuing checks (printed, mailed, or otherwise)

Requirements

Enable Positive Pay in your Zil Money account
Coordinate with your bank’s Positive Pay system
Configure notification preferences
Accurate and timely submission of check details

Detailed Sections

Stop check fraud before it clears your account.

Positive Pay verifies every check against your authorized list. Unauthorized checks get blocked automatically. Matches every presented check against your approved register—if details don’t match, the check doesn’t clear.

Automatic protection on every check you issue.
Check fraud costs U.S. businesses over $800 million annually.

Enable Positive Pay See How It Works

Automatic protection in three steps

1. You Issue Checks: When you create checks through Zil Money, check details automatically transmit to your bank’s Positive Pay system. 2. Bank Receives Check: Someone presents your check for payment. Bank compares the presented check against your authorized register in real-time. 3. Verify or Block: Match found—check clears. Mismatch—check blocked, you’re notified. Unauthorized—rejected automatically.

If any detail doesn’t match your register, the check won’t clear without your approval.

Five verification points on every check

Check Number, Payment Amount, Payee Name, Issue Date, Complete Match. Any discrepancy triggers review before payment.

Check Number: Protected against stolen/unauthorized checks.
Payment Amount: Protected against altered amounts.
Payee Name: Protected against changed payees, check washing.
Issue Date: Protected against backdated/altered dates.
Complete Match: Any discrepancy triggers review before payment.

Four fraud methods Positive Pay stops

Stolen Checks, Altered Checks, Counterfeit Checks, Check Washing. Positive Pay blocks these by detecting mismatches and unauthorized details.

Stolen Checks: Check numbers not in your register won’t clear.
Altered Checks: Mismatched amounts or payees trigger immediate review.
Counterfeit Checks: Unauthorized check numbers rejected automatically.
Check Washing: Changed payee names or amounts detected and blocked.

Integrated protection, not added work

Automatic Submission, Real-Time Verification, Exception Handling, Complete Audit Trail. Positive Pay is built into your workflow, running automatically in the background.

Issue checks through Zil Money → Details automatically sent to bank.
No manual file uploads or spreadsheets.
Every check presented is verified immediately.
Mismatched checks trigger notification for your review.
Track every check from creation through clearing.

Essential for businesses issuing checks.

Positive Pay is especially important for high check volume, growing companies, organizations with multiple check signers, and any business issuing checks.

Scales with your check volume.
Provides security even during rapid growth.
Ensures only authorized checks clear.
One prevented fraud can pay for years of protection.

Enable protection, run automatically

Initial Setup: Enable Positive Pay in your Zil Money account, coordinate with your bank, configure notifications, start issuing protected checks. Ongoing Operation: Review exceptions when notified; most days, protection runs automatically.

Typical setup time varies by bank coordination requirements.
Most days: zero notifications, complete background protection.

Enable Positive Pay Now Contact Support for Setup Help

Works with major business banks

Supported by most major business banks including Chase, Bank of America, Wells Fargo, U.S. Bank, PNC, Citibank, and hundreds of regional and community banks. Some banks charge a separate monthly fee for Positive Pay services.

Contact your bank to confirm Positive Pay availability and fees.

Common questions

FAQ section covering what Positive Pay is, how it works, extra work involved, fraud handling, bank support, check types, and costs.

What You Get

Automatic check verification, real-time fraud blocking, exception notifications, complete audit trail, integrated protection.

Automatic check verification
Real-time fraud blocking
Exception notifications
Complete audit trail
Integrated protection

Setup

Enable in your account, coordinate with your bank, automatic operation after setup.

Enable in your account
Coordinate with your bank
Automatic operation after setup

Call to Actions

Enable Positive Pay Enable Positive Pay Now See How It Works Contact Support for Setup Help

Document Mailing

https://zilmoney.com/document-mailing/

Document Mailing by Zil Money is a cloud-based solution that allows users to mail physical documents—including checks, invoices, and other important paperwork—to multiple recipients quickly and securely. The platform offers batch processing, flexible shipping options, real-time tracking, and API integration for automation.

Added 12/1/2025

Product Overview

Zil Money's Document Mailing service enables businesses to send PDFs, checks, and invoices to multiple recipients instantly with flexible shipping options and secure tracking—all from one platform. The service streamlines document delivery, automates workflows, and provides enterprise-grade security and compliance.

Detailed Description

Key Features

Batch Processing: Mail multiple documents to several recipients simultaneously
Flexible Shipping: Choose from First Class, Priority, or Express Mail
Secure Tracking: Real-time updates and delivery confirmation
Instant Uploads: Upload and send documents in seconds
Quick Document Transfers: Send checks, invoices, and documents to any payee
API Integration Ready: Automate document mailing from existing platforms
Professional Quality Output: High-resolution printing on premium paper
Enhanced Security Standards: Bank-level encryption and secure handling
Time Savings Maximized: Automate repetitive mailing tasks
Compliance Made Easy: Certified delivery, audit trails, and secure handling

Key Benefits

Send documents, checks, and invoices to multiple recipients instantly
Reduce manual mailing time and operational costs
Flexible shipping options (First Class, Priority, Express)
Real-time secure tracking for all shipments
Instant uploads—no need for printing or post office visits
API integration for workflow automation
Professional quality printing on premium paper
Certified delivery and detailed audit trails for compliance
Bank-level encryption and secure handling protocols
Average expense reduction of 67%
99.9% uptime SLA

Documentation

View Documentation

Who Is It For

Businesses of all sizes
Enterprises with high-volume document mailing needs
Industries such as government, utilities, healthcare, education, insurance, retail, billing services, professional services, construction, logistics, wholesale, and more

Supporting Resources

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FAQHelp Center

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Contact

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Developer API

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Pricing

Call to Actions

Start Document Mailing Explore Pricing Plans Sign Up Today Book A Demo

Virtual Cards

https://zilmoney.com/virtual-card/

Virtual cards from Zil Money are digital payment cards that can be created instantly and configured to work only with specific vendors or for specific purposes. This prevents misuse, overspending, and unauthorized purchases. Each card is unique, can be locked to a vendor, and comes with real-time controls and alerts.

Added 12/1/2025

Product Overview

Zil Money Virtual Cards allow businesses to instantly create virtual payment cards that can be restricted to specific vendors or purposes, providing granular control over spending, reducing fraud risk, and eliminating unauthorized purchases. Cards can be issued instantly from your Zil Money wallet, integrated with Apple Pay and Google Pay, and managed in real time.

Detailed Description

Key Features

Instant virtual card issuance from Zil Money wallet
Vendor-specific card restrictions (e.g., card only works at Google, Home Depot, etc.)
Automatic spending limits per card
Apple Pay and Google Pay compatibility
Real-time transaction alerts and controls
Live spending dashboard with budget tracking by team, project, or vendor
Automatic receipt capture via SMS
AI-powered expense categorization
Real-time integration with accounting software
Unique card numbers for each card
Instant card replacement if compromised
Regional spending controls for international use
24/7 support

Key Benefits

Prevents card misuse and unauthorized spending
Instant card creation—no waiting for physical cards
Automatic spending limits and vendor locks
Real-time transaction alerts and controls
Apple Pay and Google Pay integration
Live spending dashboard and instant alerts
Automatic receipt capture and AI expense categorization
Real-time sync with accounting software
No business disruption if a card is compromised—others keep working
Works in 50+ countries for global teams
67% average expense reduction reported

How It Works

1.Create a new virtual card instantly from your Zil Money wallet.

2.Assign the card to a specific vendor or purpose (e.g., Google Ads, Home Depot).

3.Set spending limits and vendor locks.

4.Distribute cards to team members as needed.

5.Monitor transactions in real time via dashboard and receive instant alerts.

6.If a card is compromised, instantly create a replacement without disrupting other cards.

Documentation

View Documentation

Who Is It For

Businesses of all sizes
Teams with multiple spenders
Organizations needing granular spend control
Companies with remote or international teams
Industries such as government, utilities, healthcare, education, call centers, insurance, mass transit, membership clubs, retail, billing services, professional services, food & beverage, wine & spirits, construction, charitable organizations, logistics, wholesale

Requirements

Zil Money account
Compliance with Zil Money Terms & Conditions
Eligible deposits for FDIC insurance (via partner banks)

Detailed Sections

Finally, a card that can’t be misused.

Virtual cards that only work where you want them to work. Set a card for Google Ads—it only works for Google. Set a card for your contractor—it only works at Home Depot. Impossible to overspend or buy the wrong things.

Free trial
No setup fees
Works with Apple Pay & Google Pay

Create Your First Card See How It Works

Create cards that work exactly where you need them.

Marketing gets a Google Ads card that only works for Google. Your contractor gets a Home Depot card that only works at Home Depot. Every card has a purpose. Every purchase is intentional.

Instant card creation from your Zil Money wallet
Automatic spending limits and vendor locks
Apple Pay and Google Pay integration
Real-time transaction alerts and controls

Try the Demo

Every person gets their own card. Every card has one job.

Create new cards instantly for new vendors or purposes. Each card is unique, can be used immediately, and is integrated with Apple Pay and Google Pay.

Create new cards instantly
Cards that only work where you want
Every transaction tells you exactly what it was
Pay global teams
One card gets compromised? The others keep working
See every dollar in real-time

See how it works →Try instant cards →See automation →Go global →Security details →View dashboard →

Never worry about unauthorized spending again.

Create virtual cards that only work exactly where you want them to work. Everyone gets the spending power they need, within the boundaries you set.

Free trial
No setup fees
Cancel anytime
FDIC insured through partner banks
PCI DSS compliant
Works with Apple Pay & Google Pay

Create Your First Card See How It Works

Supporting Resources

❓

FAQHelp Center

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📄

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Call to Actions

Create Your First Card See How It Works Try the Demo

International Payments

https://zilmoney.com/international-payments/

International Payments by Zil Money allows users to send funds globally as easily as domestic payments. The platform bypasses traditional correspondent banking chains, providing direct wallet-to-bank account transfers, real-time confirmation, and immediate fund availability for recipients. The service is built on Ripple’s blockchain for speed, security, and efficiency.

Added 12/1/2025

Product Overview

Zil Money’s International Payments solution enables businesses to send money across borders quickly, affordably, and transparently. Leveraging Ripple’s blockchain network, users can transfer funds from their Zil Money wallet directly to recipient bank accounts worldwide, with near-instant settlement, low fees, and full transaction visibility.

Detailed Description

Key Features

Wallet-to-bank account transfers (no correspondent banks)
Instant settlement via Ripple blockchain
Distributed ledger validation for security and accuracy
Smart payment routing for efficiency and cost savings
Real-time updates and notifications on payment status
Transparent review of exchange rates and fees before sending
Multi-currency support (send in USD or recipient’s currency)
Seamless process from Zil Money dashboard

Key Benefits

Settle international transfers in as little as 90 seconds
Real-time verification and confirmation of payments
Immediate fund availability in recipient bank accounts
Transparent, competitive exchange rates with no hidden markups
Lowest transaction fees in the industry; flat-rate, no hidden charges
Eliminate need to pre-fund foreign accounts
Manage all international and domestic payments from one platform
Detailed payment records for easy reconciliation
Enhanced supplier relationships through timely, transparent payments
Expand globally with reliable payment capabilities

How It Works

1.Select International Payment in the Zil Money dashboard

2.Review exchange rate and fees (displayed transparently)

3.Enter recipient details, including bank account information

4.Choose payment amount in USD or recipient’s currency

5.Confirm and send payment through the secure Ripple network

6.Receive real-time updates and instant notifications on payment status

Documentation

View Documentation

Who Is It For

Importers & Exporters
Technology Companies
Professional Services
Manufacturing & Distribution
Businesses needing to pay international suppliers, contractors, or partners

Requirements

Must have a Zil Money wallet/account
Recipient must have a valid bank account in a supported country
Availability and speed may depend on regulatory requirements, corridor availability, network conditions, and compliance reviews

Detailed Sections

Global Payments Reimagined: Fast, Affordable, Transparent

Send money across borders as easily as sending it across town. Zil Money’s international payments deliver what traditional methods can’t: lightning-fast settlement, dramatically lower fees, and complete transaction visibility, all from your existing Zil Money wallet directly to recipient bank accounts worldwide.

Send Payments Now See How It Works

Calculate your transfer

Tool to estimate sending and receiving amounts for various countries and currencies.

Supports sending from USD to INR, EUR, GBP, and other currencies
Countries shown: Estonia, France, Germany, India, Ireland, Italy, Philippines, Sweden, United Kingdom

Compliance & Certifications

Zil Money holds multiple certifications and complies with major international standards for security, privacy, and data protection.

SOC 1, SOC 2, GDPR, PCI DSS, ISO 27001, ISO 20000, ISO 9001, CCPA, NIST 800-53, HIPAA

Transform Your International Payments

Highlights the speed, confirmation, and availability of international payments.

Settle international transfers in as little as 90 seconds
Real-time verification of successful payments
Recipients can access funds immediately in their bank accounts

How It Works

Step-by-step process for sending international payments from the Zil Money dashboard.

Select International Payment
Review exchange rate and fees
Enter recipient details
Confirm and send via Ripple network
Choose payment amount in USD or recipient’s currency
Get real-time updates on payment status

The Technology Behind the Magic

Zil Money uses Ripple’s blockchain for fast, secure, and efficient cross-border payments.

Wallet-to-bank account transfers
Instant settlement
Distributed ledger validation
Smart payment routing

Global Reach, Local Experience

Send payments to major business hubs and emerging markets worldwide. Availability may vary based on regulatory requirements.

Europe: Italy, Ireland, Germany, France, Estonia, Sweden, UK
Asia-Pacific: India, Philippines

Transform Your Global Business Operations

Use cases for different industries.

Importers & Exporters: Pay international suppliers on time
Technology Companies: Pay global contractors and service providers instantly
Professional Services: Receive payments from international clients
Manufacturing & Distribution: Timely payments to global partners

How You Benefit

Key business benefits of using Zil Money International Payments.

Improved cash flow management
Enhanced supplier relationships
Operational efficiency
Competitive advantage

Straightforward, Transparent Pricing

Industry’s most competitive rates, zero hidden fees, flat-rate pricing, and competitive FX.

Lowest transaction fee
Zero hidden fees
Flat rate pricing
Competitive exchange rates
No hidden markups or surcharges
Volume-based rate improvements

Security You Can Trust

Industry-leading security measures for international payments.

End-to-end encryption
Real-time fraud monitoring
Multi-factor authentication
Regulatory compliance

Getting Started Is Simple

Encourages businesses to join and benefit from Zil Money’s international payments.

Send Payments Now See How It Works

Call to Actions

Send Payments Now Sign Up to Send Money See How It Works

Zil Money Payment Operations Platform

https://zilmoney.com/

A unified payment operations platform for businesses to manage accounts payable and receivable, automate bill payments, process payroll, and handle vendor payments using multiple payment methods. Zil Money eliminates transaction fees on eligible wallet payments, provides cash back on qualifying transactions, and offers advanced automation, integrations, and security.

Added 12/1/2025

Product Overview

Zil Money Payment Operations Platform is a comprehensive, cloud-based fintech solution that enables businesses to send, receive, and automate payments across all major payment rails (ACH, wire, check, international, credit card, virtual card, and more) with zero fees on eligible transactions and the ability to earn cash back on qualifying payments. The platform consolidates all payment operations, automates workflows, integrates with 22,000+ banks and major accounting software, and offers robust security and compliance for businesses of all sizes.

Detailed Description

Key Features

Send payments via ACH, wire, check (digital or mailed), international, bill pay, virtual cards, and credit card
Receive payments and automate accounts receivable
Bulk payment processing with CSV upload
Automated bill payments and auto-reconciliation
Custom-branded digital checks and check mailing service
Virtual card issuance with custom limits and controls
Real-time payment tracking and reporting
Developer APIs for all payment types with sandbox and documentation
White label platform options for enterprises
22,000+ bank integrations and real-time connectivity
Multi-factor authentication and AI-powered fraud monitoring
Integrations with QuickBooks, Xero, FreshBooks, Sage, Wave, NetSuite, and more
FDIC-insured funds via partner banks (Texas National Bank, Lincoln Savings Bank)
Advanced compliance: BSA/AML, KYC, NACHA, PCI DSS, GDPR, HIPAA, CCPA, NIST 800-53

Key Benefits

Zero transaction fees on eligible wallet payments (ACH, wire, check, bill pay, etc.)
Cash back on qualifying wallet transactions
Earn credit card rewards on vendor and payroll payments
Consolidate all payment methods and tools in one platform
Automate bill payments, bulk processing, and reconciliation
Real-time tracking and unified reporting
Seamless integrations with 22,000+ banks and major accounting software
Bank-grade security and compliance (SOC 2, PCI DSS, ISO 27001, etc.)
No complicated onboarding; start in minutes
Volume discounts for high-volume operations

Use Cases

Accounts payable and receivable automation
Vendor payments (including via credit card even if vendor does not accept cards)
Payroll processing (including via credit card)
Bulk payment processing (payroll, vendors, etc.)
Bill payment automation
International payments
Digital and mailed check issuance
Virtual card issuance and management
Integration with accounting and banking systems
White label payment platform for financial institutions and platforms

Documentation

View Documentation

Who Is It For

Startups
Small businesses
Enterprises
SaaS platforms
Fintech companies
Financial institutions
Platform businesses
Industries including real estate, healthcare, legal, e-commerce, professional services, manufacturing, construction, technology, government, utilities, education, insurance, mass transit, membership clubs, retail, billing services, food & beverage, wine & spirits, charitable organizations, logistics, wholesale

Requirements

Sign up with business information
Quick identity verification required
No credit card required to start exploring
Eligible payments must be made from Zil Money Wallet to qualify for zero transaction fees and cash back
Credit card processing fees apply to vendor and payroll credit card payments
International payment costs and timing vary by destination, amount, and regulatory requirements

Detailed Sections

Your complete payment operations platform. Zero fees. Real rewards.

Send money every way—ACH, wire, check, international, credit card to vendors and payroll. Receive payments effortlessly. Automate everything. Pay $0 on eligible transactions. Earn cash back on qualifying payments. This is what complete looks like.

Zero fees on eligible transactions
Earn cash back on qualifying payments
Automate all payment operations

Get Started Free See Everything You Get

Transform how you handle payments.

Four ways Zil Money changes your payment operations for the better.

Eliminate transaction fees
Earn rewards on business expenses
Consolidate all payment tools
Automate payment operations

Every payment capability your business needs.

Send money, receive money, and automate operations—all from one platform.

Pay Vendors with Credit Cards
Run Payroll with Credit Cards
ACH & Wire Transfers
Digital Checks
Check Mailing Service
International Payments
Automated Bill Payments
Virtual Cards
Bulk Payment Processing

Learn More Send Payment Create Check Mail Checks Send Globally Automate Bills Create Cards Process Bulk

Built to scale from startup to enterprise.

APIs for developers. White label for platforms. Bulk processing for volume.

Comprehensive APIs for all payment types
White label platform options
Bulk payment processing with CSV upload

Explore APIs Learn More Process Bulk

Connects with everything you already use.

Seamless integrations with your accounting software, banking partners, and business systems.

Automated sync with accounting platforms
22,000+ bank integrations
Real-time connectivity
FDIC member bank partners
Secure bank-grade connections
Business tools: group mailing, document mailing, card processing, email writer, knowledge base, shipping label, bank data, positive pay
All major payment rails: ACH, wire, USPS, Ripple, card networks

Start Integrating Now See All Integrations

Your money. Our priority.

Bank-grade security protecting every transaction, every time. We don’t just meet security standards—we exceed them.

256-bit encryption
SOC 2 Type II certified
FDIC member bank partners
Multi-factor authentication
24/7 AI-powered fraud monitoring
Full compliance: BSA/AML, KYC, NACHA, PCI DSS

Common questions answered.

Everything you need to know about transforming your payment operations.

How to pay $0 in transaction fees
How credit card vendor payments work
Payroll with credit card
Cash back on payments
Comparison with current payment setup
Quick onboarding
Selective feature usage
Money safety and security
Accounting software integrations
Support and service

Get More Answers

Ready to transform your payment operations?

Join over 1 million businesses that have eliminated payment fees and started earning rewards instead.

Zero fees on eligible transactions
Cash back on qualifying payments
Credit card rewards on vendor and payroll payments

Get Started Free Calculate Your Savings

Call to Actions

Get Started Free See Everything You Get Learn How Calculate Earnings See All Features Send Payment Create Check Mail Checks Send Globally Automate Bills Create Cards Process Bulk Explore APIs Learn More Start Using Wallet Start Integrating Now See All Integrations Get More Answers Calculate Your Savings

Integrations

https://zilmoney.com/integration/

Effortless integration with any platform. Easily import your business data to Zil Money, eliminating the hassle of printing or moving checks from other apps. Zil Money makes managing your finances quick and easy by centralizing check and payment management.

Added 12/1/2025

Product Overview

Zil Money Integrations allow businesses to effortlessly connect their accounting, payroll, and business management platforms with Zil Money, enabling seamless import and management of financial data, checks, and payments on a single, user-friendly platform.

Detailed Description

Key Features

Import business data from popular accounting and payroll platforms
Manage checks, payments, and transfers in one place
Bulk/mass payment support
Reconciliation and reporting (may vary by provider and setup)
Integration with digital wallet, positive pay, shipping label, and document mailing features

Key Benefits

Centralized management of checks and payments from multiple platforms
Avoid unnecessary transaction fees on payments and check transfers
User-friendly interface for managing different types of checks
Access to a wide variety of features for imported checks
Supports both accounts receivable and accounts payable workflows

Use Cases

Importing checks and payment data from accounting/payroll platforms
Managing accounts receivable and payable in one place
Automating invoice and payment workflows
Reducing transaction fees and manual processing

Documentation

View Documentation

Who Is It For

Businesses using accounting, payroll, or ERP software
Organizations seeking to streamline check and payment management
Industries including government, utilities, healthcare, education, call centers, insurance, mass transit, membership clubs, retail, billing services, professional services, food & beverage, wine & spirits, construction, charitable, logistics, and wholesale

Detailed Sections

Effortless Integration with Any Platform

Easily import your business data to Zil Money. No more hassle with printing or moving checks from other apps. Zil Money makes managing your finances quick and easy.

Integrations

Zil Money supports integration with a wide range of accounting, payroll, and business management platforms, including QuickBooks, Zoho, Gusto, Zapier, Xero, Bill.com, FreshBooks, Sage, ADP, Wave, Oracle NetSuite, Square, Microsoft Dynamics 365, ClearBooks, FreeAgent, and Odoo.

QuickBooks Online/Desktop/Payroll
Zoho Books/Payroll
Gusto
Zapier
Create Checks From PDF
Xero
Bill.com
FreshBooks
Sage Business Cloud Accounting
Sage Intact (Coming Soon!)
ADP
Wave
Oracle NetSuite
Square Payroll
Microsoft Dynamics 365 (Coming Soon!)
ClearBooks (Coming Soon!)
FreeAgent (Coming Soon!)
Odoo

Why Do You Need to Integrate Your Account With Zil Money?

Integrate your accounting software with Zil Money to manage different types of checks on a single user-friendly platform, avoid unnecessary transaction fees, and access a wide variety of features for imported checks.

Centralized check management
Reduced transaction fees
Enhanced features for imported checks

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Check Mailing Service

https://zilmoney.com/check-mailing/

Mail checks without the hassle. Zil Money prints, envelopes, and mails your checks for you. Design professional checks online, and Zil Money handles the rest, including secure printing, enveloping, and USPS First Class mailing. The service is fast, easy, and fully online, with your first check mailed free.

Added 12/1/2025

Product Overview

Zil Money's Check Mailing Service allows businesses to design checks online, which are then printed on secure check stock, enveloped, and mailed via USPS First Class. The service is fully online, automates the check mailing process, and provides professional quality, security, and tracking. It is designed to save businesses time and reduce costs associated with manual check mailing.

Detailed Description

Key Features

Online check design with custom branding (logo, colors, layouts)
Professional printing on secure check stock with advanced security features (microprinting, watermarks, security backgrounds, chemically reactive paper)
Secure business envelopes with security features
USPS First Class Mail delivery (tracked, reliable, across the U.S.)
Real-time delivery tracking from submission to delivery
Recipient management (save frequently used recipients, manage payment histories, one-click repeat payments)
No minimum check requirement
Volume discounts for high-volume mailings
SOC 2 certified security standards
Encrypted data transmission and storage
Multi-layer fraud detection and prevention
Professional print facility with restricted access and security monitoring
Banking compliance through FDIC member bank partners

Key Benefits

Saves hours every payment cycle by eliminating manual check mailing tasks
Professional, branded checks and envelopes
Quick 1-2 business day processing
Full delivery tracking and real-time status updates
Cost efficiency with predictable, all-inclusive per-check pricing
No minimum check volume required
No need for check stock, printers, or postage supplies

Use Cases

Vendor payments
Rent and property payments
Payroll distribution
Customer refunds
Insurance claim payments
Commission payments

How It Works

1.Design your check: Use online tools to create checks with your logo, branding, and payment info.

2.Enter recipient details: Add recipient name and mailing address; save for future use.

3.Review and send: Preview the check, confirm details, and submit for mailing.

4.Zil Money handles the rest: Prints, envelopes, and mails the check via USPS First Class within 1-2 business days.

Documentation

View Documentation

Who Is It For

Businesses of all sizes
Property managers and landlords
Payroll departments
Insurance companies and adjusters
Sales organizations (for commission payments)
Any organization needing to mail checks (vendors, refunds, etc.)

Requirements

Valid U.S. mailing address for recipient (includes all 50 states, U.S. territories, and military APO/FPO addresses)
Check details and recipient information must be reviewed before submission (changes cannot be made after submission, but checks can be voided before processing completes)

Detailed Sections

Mail checks without the hassle. We print, envelope, and send them for you.

Mail Your First Check Free – Fast, Easy, and Fully Online! Design professional checks online, and we handle everything else; printing on secure check stock, enveloping, and mailing via USPS First Class. Your checks arrive professionally, you save hours every week.

USPS First Class Mail
1-2 Business Day Processing
Secure Check Stock

Mail Your First Check See How It Works

What check mailing should feel like.

Professional, reliable, and hassle-free. Check mailing designed to work for you.

Complete Automation: Design your check once, click send, and we handle everything—printing, enveloping, and mailing.
Professional Quality: High-quality check printing with your custom branding in professional envelopes.
Quick Processing: Checks processed and mailed within 1-2 business days using USPS First Class Mail.
Full Tracking: Real-time status updates from submission to mailing.
Custom Branding: Add your logo, choose your colors, and customize layouts.
Cost Efficiency: Simple per-check pricing covers everything.

Simple by design.

From design to delivery in four effortless steps. No complicated setup, no learning curve.

Design your check: Use our easy design tools to create professional checks with your logo, branding, and payment information.
Enter recipient details: Add recipient name and mailing address. Save frequently used recipients for even faster sending.
Review and send: Preview your final check, confirm delivery address, and submit for professional printing and mailing.
We handle the rest: Your check is printed on high-quality stock, placed in a professional envelope, and mailed via USPS First Class within 1-2 business days.

Everything you need for professional check mailing.

Complete check mailing service with all the features that matter for your business.

Professional Printing: High-quality checks printed on secure check stock with advanced security features.
First Class Mail: All checks mailed via USPS First Class Mail for reliable, tracked delivery across the United States.
Custom Branding: Add your company logo, choose brand colors, customize layouts.
Secure Envelopes: Professional business envelopes with security features.
Delivery Tracking: Track your check from submission through printing, mailing, and delivery.
Recipient Management: Save frequently used recipients, manage payment histories, and quickly send to the same recipients.

Straightforward, transparent pricing.

Transparent pricing with no additional or hidden fees. Simple per-check pricing that includes everything.

Per Check: Starting at $1.25
Includes: Professional check printing, secure check stock, business envelope, USPS First Class postage, address printing, processing and handling, delivery tracking
Volume Discounts Available

Perfect for every payment need.

From vendor payments to refunds, if you need to mail checks, we make it effortless.

Vendor Payments
Rent & Property Payments
Payroll Distribution
Customer Refunds
Insurance Claims
Commission Payments

Your payments, protected.

Bank-grade security features help protect every check from fraud and tampering.

Advanced Security Features: Microprinting, watermarks, security backgrounds, and chemically reactive paper.
Secure Processing: All check data encrypted during transmission and storage. SOC 2 certified security standards.
Banking Compliance: Provided through FDIC member banks. Subject to regulatory requirements.
Fraud Prevention: Multi-layer fraud detection monitors for suspicious activity.
Secure Printing: Professional print facility with restricted access and security monitoring.

Call to Actions

Mail Your First Check Start Mailing Checks See Pricing Details Contact us Book A Demo See How It Works

Developer API

https://zilmoney.com/zil-money-api/

The Developer API is an enterprise payment infrastructure platform that enables businesses to process all major payment types (ACH, wire, check, card) via a single, unified API. It is designed for high-volume, complex, and custom payment workflows, with a focus on reliability, security, and compliance.

Added 12/1/2025

Product Overview

Zil Money's Developer API provides a unified, enterprise-grade payment infrastructure for businesses to process ACH, wires, checks, cards, and more through a single integration. The solution includes white-glove implementation, dedicated technical support, custom workflows, and contractual SLAs, allowing businesses to own the customer experience while Zil Money manages the backend infrastructure and compliance.

Detailed Description

Key Features

ACH transfers (same-day and standard, batch processing, reconciliation)
Wire transfers (domestic and international, Federal Reserve and SWIFT networks)
Check printing and mailing (programmatic, USPS delivery, tracking)
Payment requests (API-generated, secure links, automated notifications)
Credit card processing (PCI DSS compliant, fraud protection)
Multi-channel delivery (email, SMS, physical mail)
High-volume processing (batch, bulk operations)
Custom payment workflows (approval chains, multi-party authorization, conditional logic)
Advanced reconciliation (automated matching, exception handling, reporting)
Real-time webhooks (transaction status updates)
Comprehensive reporting (dashboards, custom reports, API-accessible data)
Sandbox environment for testing
Webhook testing tools
API status dashboard (real-time performance metrics)
Pre-built SDKs/libraries (Python, Node.js, Java, PHP, Ruby)
Direct engineering access for support

Key Benefits

Unified API for all payment types (ACH, wire, check, card, payment requests)
White-glove integration and dedicated technical team
Enterprise-grade SLAs (99.9% uptime, response time guarantees)
Custom workflows and specialized integrations
Comprehensive security and regulatory compliance
Ongoing optimization and partnership post-launch
Transparent, custom pricing with no hidden fees

Documentation

View Documentation

Who Is It For

Enterprises requiring custom payment infrastructure
Businesses with high transaction volumes
Organizations needing integration with ERP, accounting, or CRM systems
Industries such as government, utilities, healthcare, education, insurance, retail, logistics, construction, and more

Requirements

High-level technical requirements
Expected transaction volumes
Timeline expectations
Key stakeholders identified

Supporting Resources

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API Capabilities

📄

Integrations

❓

FAQHelp Center

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Book A Demo

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Terms and Conditions

Call to Actions

Talk to Our Enterprise Team View API Capabilities Book A Demo Contact

Zil Money Wallet

https://zilmoney.com/digital-wallet/

A business wallet designed to eliminate transaction fees on eligible payments, provide cash back rewards, and offer a secure, comprehensive payment ecosystem for businesses of all sizes.

Added 12/1/2025

Product Overview

Zil Money Wallet is a business digital wallet solution that enables businesses to pay vendors, suppliers, and contractors with zero transaction fees on eligible payments. It offers instant wallet loading, cash back rewards on qualifying transactions, and a complete payment ecosystem with enterprise-grade security. The wallet is trusted by over 1 million businesses and supports a wide range of payment and integration capabilities.

Detailed Description

A business wallet designed to eliminate transaction fees on eligible payments, provide cash back rewards, and offer a secure, comprehensive payment ecosystem for businesses of all sizes.

Key Features

Load wallet instantly from any bank account (no minimums or maximums)
Send payments to vendors, suppliers, and contractors
Eligible payment methods are fee-free
Earn cash back on qualifying payments
256-bit encryption and multi-factor authentication
Comprehensive payment ecosystem (accounts payable and receivable, bulk payments, check printing, ACH, wire, virtual card, etc.)
Monthly savings calculator
Integrations and developer API available

Key Benefits

Zero transaction fees on eligible payments (terms apply)
Cash back on qualifying transactions
Instant wallet loading from any bank account
Enterprise-grade, bank-level security
Potential for significant expense reduction (average 67%)
99.9% uptime SLA

How It Works

1.Load Your Wallet: Transfer funds from any bank account instantly. No minimums, no maximums, no hassles.

2.Pay Anyone: Send payments to vendors, suppliers, and contractors. All eligible payment methods are fee-free.

3.Earn Cash Back: Accumulate cash back with every qualifying payment.

Documentation

View Documentation

Who Is It For

Businesses of all sizes seeking to reduce payment transaction costs
Companies with significant accounts payable/receivable operations
Industries including government, utilities, healthcare, education, call centers, insurance, mass transit, membership clubs, retail, billing services, professional services, food & beverage, wine & spirits, construction, charitable organizations, logistics, wholesale

Requirements

Eligible payments and transactions as defined in Zil Money Terms & Conditions
Compliance with applicable laws and regulations
FDIC insurance applies only to eligible deposits through partner banks

Detailed Sections

Business Wallet with Zero Transaction Fees

Stop paying fees to move your money. Pay vendors, suppliers, and contractors with $0 transaction fees on eligible payments.

$0 transaction fees on eligible payments
Cash back on qualifying transactions
Complete payment ecosystem
Enterprise-grade security

Start Saving Today

How It Works

Start eliminating transaction fees in three simple steps.

Load Your Wallet: Transfer funds from any bank account instantly. No minimums, no maximums, no hassles.
Pay Anyone: Send payments to vendors, suppliers, contractors. All eligible payment methods are fee-free.
Earn Cash Back: Watch cash back accumulate with every qualifying payment.

Why Choose Zil Money Wallet

Zero Transaction Fees: Pay $0 in transaction fees on eligible payments.
Cash Back Rewards: Earn money on qualifying transactions.
Instant Wallet Loading: Load funds instantly from any bank account and start making payments immediately.
Bank-Grade Security: Your money is protected by 256-bit encryption and multi-factor authentication.

Calculate Your Savings

See how much you could save by switching to zero transaction fees. Monthly savings calculator available.

Start Saving This Much

Ready to Eliminate Transaction Fees?

Join thousands of businesses already saving money with zero transaction fees on eligible payments.

Get Your Wallet Now Schedule Demo

Supporting Resources

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FAQHelp Center

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Pricing

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Contact

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Book A Demo

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Financial Calculators

Call to Actions

Start Saving Today Get Your Wallet Now Schedule Demo

Zil Money - Complete Company Profile

About Zil Money

Company Details

What Zil Money Offers

Positive Pay

Document Mailing

Virtual Cards

International Payments

Zil Money Payment Operations Platform

Integrations

Check Mailing Service

Developer API

Zil Money Wallet

Company Information

Description

What They Do

Who They Serve

Key Value Propositions

Target Customers

Industries Served

Contact Information

Key Pages

Navigation Links

API Information

API Summary

API Available

API Related URLs

Customer Logos

Homepage Full Text

Case Studies

Cory Edwards

Rachel Ruiz

Mike S

Alex Craig

Testimonials

Products & Offerings

Positive Pay

Product Overview

Detailed Description

Key Features

Key Benefits

How It Works

Documentation

Who Is It For

Requirements

Detailed Sections

Stop check fraud before it clears your account.

Automatic protection in three steps

Five verification points on every check

Four fraud methods Positive Pay stops

Integrated protection, not added work

Essential for businesses issuing checks.

Enable protection, run automatically

Works with major business banks

Common questions

What You Get

Setup

Call to Actions

Document Mailing

Product Overview

Detailed Description

Key Features

Key Benefits

Documentation

Who Is It For

Supporting Resources

Call to Actions

Virtual Cards

Product Overview

Detailed Description

Key Features

Key Benefits

How It Works

Documentation

Who Is It For

Requirements

Detailed Sections

Finally, a card that can’t be misused.

Create cards that work exactly where you need them.

Every person gets their own card. Every card has one job.