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Audience

Freelancers, Small Businesses, Startups, Modern Businesses

About Zil Money

Zil Money offers the Payroll by Credit Card feature to pay your employees on time and earn cash back rewards. Also write-off payroll funding by credit card fees as a business expense. This is a great solution to improve cash flow and keep your employees happy.

The platform provides payment methods like ACH, wire, eChecks, printable checks, international payments, virtual cards, and more for flexible fund transfer. You can also customize and print checks instantly on blank stock papers using a regular printer at your office or home.

Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

Pricing

Starting Price:
$0
Pricing Details:
Pay By Credit & Payroll funding by credit card services requires no subscription.
General subscription packages for check printing, ACH, Wire transfer, etc start at a $30 Pay As You Go plan.
Free Trial:
Free Trial available.

Integrations

API:
Yes, Zil Money offers API access

Ratings/Reviews - 14 User Reviews

Overall 4.9 / 5
ease 4.8 / 5
features 4.8 / 5
design 4.8 / 5
support 4.8 / 5

Company Information

Zil Money
Founded: 2012
United States

Videos and Screen Captures

Interactive Demo

Try the Zil Money demo now

Interact with a demo created by Zil Money without leaving SourceForge

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Product Details

Platforms Supported
Cloud
Windows
Mac
iPhone
iPad
Android
Training
Documentation
Live Online
Webinars
In Person
Videos
Support
24/7 Live Support
Online

Zil Money Frequently Asked Questions

Q: Does Zil Money support international payments?
Q: How fast are international payments with Zil Money?
Q: Does Zil Money provide virtual cards?
Q: What benefits do Zil Money Virtual Cards offer?
Q: Can users create multiple virtual cards with Zil Money?
Q: What security features are included with Zil Money cards?
Q: Can Zil Money cards be customized for specific vendors or purposes?
Q: How does Zil Money simplify payroll management?
Q: What kinds of users and organization types does Zil Money work with?
Q: What languages does Zil Money support in their product?
Q: What kind of support options does Zil Money offer?
Q: What other applications or services does Zil Money integrate with?
Q: Does Zil Money have an API?
Q: Does Zil Money have a mobile app?
Q: What type of training does Zil Money provide?
Q: Does Zil Money offer a free trial?
Q: How much does Zil Money cost?
Q: What pricing for support is available for Zil Money?
Q: What pricing for training is available for Zil Money?

Zil Money Product Features

Accounts Payable

Approval Process Control
Bank Reconciliation
Cash Management
Check Writing
Fraud Detection
Vendor Management
Duplicate Payment Alert
General Ledger Entry

Accounts Receivable

ACH Payment Processing
Billing & Invoicing
Check Processing
Collections Management
Online Payment Processing
Overpayment Processing
Partial Payments
Receivables Ledger
Recurring Billing

Business Bank Accounts

Bank Wires
Bill Pay
Billing & Invoicing
Business Credit Cards
Checking Account
Checks
Expense Management
Instant Payouts
No Fee Payments
Savings Account
Spend Management
Rewards

Online Banking

Transaction Monitoring
Single Sign On
Loan Management
Marketing Automation
Fraud Detection
Cash Management
Credit Card Management
Electronic Statements
Brokerage
Chat / Messaging
Retail Banking
  • A Zil Money User
    Owner
    Used the software for: Less than 6 months
    Frequency of Use: Yearly
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Great Product "

    Edited 2025-10-23

    Pros: Easy to use Easy to understand No complex setup. User friendly. Zil is simply the simple. Amazing product!!

    Cons: I do not think there is any Drawback of this product. simply Great!

    Overall: I used it once or twice but had Great experience overall!!!! If someone looking for the on stop solution then this is the product you should be using.

    Read More...
  • MUHAMMED S.
    Engineer
    Used the software for: 1-2 Years
    Frequency of Use: Daily
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Zil Money Makes Business Payments So Much Easier"

    Posted 2025-10-06

    Pros: Zil Money has transformed how we handle payments in our business. I can send ACH, wire, or even print checks from one dashboard, which saves a lot of time. The QuickBooks integration works flawlessly, and having features like virtual cards and payroll by credit card all in one place is a huge advantage. The interface is clean, and everything feels well-organized and fast.

    Cons: It takes a little time to explore all the features because there are so many tools, but once you understand the flow, it’s very convenient.

    Overall: An all-in-one platform that really delivers on its promise. It has reduced our dependency on multiple banking tools and improved our cash-flow management. Highly recommended for small and mid-sized businesses that want reliable, modern payment solutions.

    Read More...
  • Keandra R.
    Owner
    Used the software for: 6-12 Months
    Frequency of Use: Daily
    User Role: User, Deployment
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Awesome "

    Posted 2025-07-16

    Pros: Zil Money has proven to be an invaluable financial tool for many, and its impact can be quite personalized. Users often appreciate its user-friendly interface and efficient features that streamline financial transactions, whether personal or business-related. It can positively impact one's life by offering greater control over payments, securely managing cash flow, and reducing financial management stress, thereby creating more room for productivity and peace of mind.

    Cons: Zil Money offers a range of features for handling financial tasks, but it may not entirely cater to those seeking a seamless experience. Some potential cons include a learning curve for new users, occasional technical glitches, and perhaps limited integrations with other financial tools. Users might find these aspects can impede the overall effectiveness or convenience of the service.

    Overall: Zil Money offers a dynamic and innovative financial management platform that impresses with its user-friendliness and adaptability. The seamless integration of banking features provides a comprehensive, efficient solution for managing finances, making it an invaluable tool for individuals and businesses alike. Whether it's handling transactions, creating invoices, or monitoring expenses, the platform stands out with its reliability and creativity in simplifying complex financial tasks.

    Read More...
    Reply from Zil Money
    Posted 2025-08-13
    Thank you for sharing such a thoughtful and balanced review of Zil Money. We’re glad to hear that our platform has been a valuable tool in streamlining financial management and providing a user-friendly experience. We also appreciate your constructive feedback regarding the learning curve, occasional technical issues, and integrations. Our team is continuously working to enhance usability, expand integrations, and ensure smoother performance so every user can enjoy a truly seamless experience. Your insights help us improve, and we’re committed to making Zil Money even more effective for both personal and business needs.
  • Misty P.
    CEO
    Used the software for: 6-12 Months
    Frequency of Use: Daily
    User Role: Administrator
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Good company"

    Edited 2025-06-28

    Pros: The application process was smooth easy to complete from start to finish The terms and conditions are very easy to understand. The company is very highly rated and preferred by a lot of people that I know use them. I have nothing negative to say

    Cons: I didn't have any negative experience with this company

    Overall: My overall experience was very positive and very easy to understand. The entire process is smooth and very easy to understand and use

    Read More...
    Reply from Zil Money
    Posted 2025-08-13
    Thank you for sharing your positive experience with us! We’re delighted to hear that you found the process smooth, straightforward, and easy to understand. It’s wonderful to know that our reputation and service have met your expectations. We truly appreciate your support and look forward to continuing to serve you.
  • A Zil Money User
    Health care
    Used the software for: Free Trial
    Frequency of Use: Monthly
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Zil Money review"

    Posted 2025-06-22

    Pros: Zil Money is the best way to keep track of my income and my spending everyday. It has made my life extremely more convenient and I even referred friends and family and they are so exited

    Cons: There is nothing I dislike about Zil Money honestly. Well maybe the fact it's wants to confirm my identity quite a bit which has me worried about hackers. But I trust them 100%.

    Overall: Using Zil Money has made me worry free and makes it simple to keep track of all my purchases and sales. I would recommend it to anyone for sure. Try it yourself and see how less complicated life can be with Zil Money!

    Read More...
    Reply from Zil Money
    Posted 2025-08-13
    Thank you for such a wonderful review! We’re thrilled to know Zil Money has made managing your income and spending easier and more convenient. Your trust means a lot to us, and we take identity verification seriously to ensure your account remains secure. We’re also grateful for your referrals to friends and family—word of mouth is the highest compliment we can receive. We’re here to keep your financial management simple, secure, and worry-free.
  • Chengdian L.
    Administration
    Used the software for: Free Trial
    Frequency of Use: Monthly
    User Role: User, Administrator, Deployment
    Company Size: 100 - 499
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "A Game-Changer in Business Payments and Financial Management"

    Edited 2025-06-15

    Pros: Pros
    • Easy-to-use interface
    • Fast ACH and wire payments
    • No need for pre-printed checks
    • Strong security measures
    • Great value for the features offered
    • Multi-user and multi-business support

    If you’re a business owner, freelancer, accountant, or financial manager looking for a robust, user-friendly platform to streamline payments, Zil Money deserves serious consideration. After testing and using the platform across various functions—from payroll to vendor payments to check printing—it’s clear that Zil Money offers a comprehensive, modern solution for managing financial workflows.

    Cons: • Minor learning curve for first-time users
    • Some advanced features require a higher-tier plan

    Overall: Final Verdict: 9.5/10

    Zil Money is more than a check-printing tool—it’s a full-fledged business payments platform that blends security, convenience, and innovation. Whether you’re paying vendors, employees, or yourself, it brings all aspects of business payments into one smart, efficient ecosystem. It’s especially valuable for small to mid-sized businesses aiming to professionalize and simplify their financial operations without the overhead of traditional banking or enterprise ERP systems.

    Read More...
    Reply from Zil Money
    Posted 2025-08-13
    Thank you for such a detailed and thoughtful review! We’re delighted that you’ve found value in our platform’s ease of use, fast payment options, security, and multi-user/multi-business capabilities. Your feedback on the minor learning curve and tiered features is greatly appreciated—we’re always working to make onboarding smoother and advanced tools more accessible. It’s wonderful to know Zil Money is helping you streamline payments and simplify financial workflows. Your 9.5/10 rating truly means a lot to us!
  • Komanchee E.
    Business owner
    Used the software for: Less than 6 months
    Frequency of Use: Monthly
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "This platform is THE BEST"

    Posted 2025-04-06

    Pros: I liked that this platform was so easy to use. There was no difficult information to try and get!!!!

    Cons: I didn’t like that it took me so long to find this

    Overall: I would recommend this platform above all the rest. The platform is the easiest I have ever used!!!!

    Read More...
    Reply from Zil Money
    Posted 2025-08-13
    Thank you for your kind words! We’re so glad you found our platform easy to use and worth recommending. We only wish you had discovered us sooner too—but we’re happy to have you with us now! We look forward to continuing to make your experience simple and seamless.
  • A Zil Money User
    Owner
    Used the software for: Less than 6 months
    Frequency of Use: Yearly
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Unique way to bay thru your business credit"

    Posted 2023-11-01

    Pros: Personal representative to assist in account setup and affiliation with Payroll company.
    Easy user interface to navigate.
    Does what its supposed to.

    Cons: Confusing ADP setup.
    Still in Start-up mode for overall website layout and construction.

    Overall: My overall experience was pretty good, I think however i was confused on which 'checking' account to setup as recipient, either personal or business.

    Read More...
    Reply from Zil Money
    Posted 2024-05-22
    Thank you for your response. Glad to know that you are satisfied with our user interface and other services. Regarding trouble with ADP setup, you can contact our customer support team which is available 24/7.
  • A Zil Money User
    Admin
    Used the software for: 1-2 Years
    Frequency of Use: Monthly
    User Role: User
    Company Size: 500 - 999
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "AUTOMATE YOUR TRANSACTION PROCESSING "

    Posted 2023-09-15

    Pros: Transaction processing was in the loop. Able to print and mail checks. Email receipts! Pay payroll by credit card.

    Cons: There was nothing really. No problems that I see. Everything was good to go.

    Overall: What im looking for in check fulfillment. Best check processing system. Can beat others by 8 overall.

    Read More...
    Reply from Zil Money
    Posted 2024-05-22
    Thank you for your review. Glad that you are finding our payroll by credit card and check printing services useful.
  • Dedrick C.
    CEO
    Used the software for: Less than 6 months
    Frequency of Use: Weekly
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Great service"

    Posted 2023-08-29

    Pros: Great team to help with questions. I had a hard time, when it was time to setup everything, but the team was amazing in helping me get setup.

    Cons: The service is a little bit pricey when it comes to running payroll, but it will work for me.

    Overall: My overall experience is great the team is always there to answer questions that I may have and get the answer quickly.

    Read More...
    Reply from Zil Money
    Posted 2024-05-22
    Thank you for your review. Glad that our customer team was able to help you out. As an all-in-one payment platform, our prices reflect the convenience and flexibility we provide to users. We offer the best features that are packed with value.
  • A Zil Money User
    Manager
    Used the software for: Less than 6 months
    Frequency of Use: Yearly
    User Role: User
    Company Size: 1 - 25
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Great product"

    Posted 2023-08-23

    Pros: I recently onboarded on Zil and I was extremely impressed with how easy the process was. The platform is incredibly intuitive and I was able to quickly understand how to use it. The onboarding process was straightforward and I didn't have to spend a lot of time figuring out how to use the product. I also appreciate the customer service I have received from Zil. They are incredibly helpful and responsive when I have any questions. Overall, Zil is a great platform with an easy onboarding process and great customer service.

    Cons: When you're trying to figure out the cons to any situation, it's important to take an objective, thoughtful approach. It can be helpful to look at all the potential angles, so far it has been a great experience.

    Overall: I'm a big fan of Zil products. Not only do they have awesome products that are easy to use, they are also incredibly affordable. I recently purchased one of their products and was pleasantly surprised by how well it worked. The quality was great and the setup was simple and straightforward. The customer service was excellent too, which made my experience even better. Overall, Zil is an awesome product that I would highly recommend to anyone looking for quality services.

    Read More...
    Reply from Zil Money
    Posted 2024-05-22
    Thank you for your response. We are happy to learn that you had a great experience using our platform.
  • A Zil Money User
    Owner
    Used the software for: Less than 6 months
    Frequency of Use: Daily
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Reg Zil User now!"

    Posted 2023-08-22

    Pros: I absolutely love Zil Money! It has changed the way we do things around here in our every day life and more!!

    Cons: None that I can think of or have seen yet so far!!!

    Overall: Wonderful! Highly recommend to any and every one that I know and teach online through my course! Great!

    Read More...
    Reply from Zil Money
    Posted 2024-05-22
    Thank you for your recommendation. We are thrilled to learn that Zil Money has impacted you in a positive way.
  • A Zil Money User
    Freelancer
    Used the software for: Free Trial
    Frequency of Use: Weekly
    User Role: User
    Company Size: 1 - 25
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Zil Money review"

    Posted 2023-07-27

    Pros: It is convenient. easy to use and well designed. it really meets all my needs especially when i am moving money around.

    Cons: Sometimes the page load time is more than expected but occurs rarely.

    Overall: My overall experience is surreal, i would recommend it to others, it has a lot of useful features that everyone should leverage on.

    Read More...
    Reply from Zil Money
    Posted 2024-05-22
    Thank you for your response. Glad that Zil Money has made money management easier for you. We are constantly updating our platform to give users the best experience, so we appreciate you mentioning the slowdowns.
  • A Zil Money User
    SEO
    Used the software for: 6-12 Months
    Frequency of Use: Daily
    User Role: User
    Company Size: 26 - 99
    Design
    Ease
    Features
    Pricing
    Support
    Probability You Would Recommend?
    1 2 3 4 5 6 7 8 9 10

    "Excellent Software"

    Posted 2021-11-19

    Pros: Zil Money is best software for online payments. It provides cloud-based online banking and financial management services.

    Cons: Nothing, Nothing, this is ever best software for online transactions. I have been using this for 10 months.

    Overall: Can create and print customized checks from our home or office desk.

    Read More...
    Reply from Zil Money
    Posted 2022-01-20
    Thank you for your lovely review. We're glad you're pleased with the product! If you have any questions or feedback, please let us know here at support@onlinecheckwriter.com
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