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Zil Money

zilmoney.com

From $499.99/mo Free plan WebiOSAndroidAPISelf-hostedBrowser extension
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Spec score 8.6 #1 of 27 in Bill Payment Software

What it is

Zil Money is a payment and finance platform for small and medium-sized businesses, with tools for check creation and payment workflows. Users can print checks on blank check stock, prepare payroll checks with employee details, payments, and deductions, and import checks directly from accounting software. Check layouts can be customized with logos, colors, and text. Its mobile app lists ACH transfers, RTP, wire transfers, printed checks, and eChecks, and supports reviewing and releasing vendor payments and payroll runs from a phone. Integrations include QuickBooks, Zoho Books, Gusto, Zapier, Xero, Salesforce, Slack, and other services. The service is available on web, Android, iOS, and through an API. A free plan has limited monthly transactions. The maker says there is no monthly subscription fee and that pricing depends on volume, with customized plans and high-volume discounts. Listed options include a 30.00 USD one-time Pay as You Go recharge and a $499.99 a month Premium plan. Zil Money says it is a financial technology company, not a bank; banking and money movement come through partner institutions and licensed providers.

Spec sheet

What it does
Zil Money combines business payment, accounts-payable and accounts-receivable workflows in one platform.Read 15 Oct 2026 · linkedin.com
Integrations
The integration directory lists QuickBooks, Zoho Books, Gusto, Zapier, Xero, Salesforce, Slack, and other services.Read 3 Oct 2026 · zilmoney.com
Security
The trust page says Zil Money uses encryption, secure data centers, multi-factor authentication, continuous monitoring, and regular security assessments.Read 3 Oct 2026 · zilmoney.com
Compliance
The maker states that it has completed SOC 2 Type I and Type II examinations and is PCI DSS compliant.Read 3 Oct 2026 · zilmoney.com
Support
The contact page lists [email protected] and phone number (408) 775-7720.Read 3 Oct 2026 · zilmoney.com
Headquarters
San Jose, California, USARead 23 Sep 2026 · zilmoney.com
Accounting integrations
Listed integrations include QuickBooks Online and Desktop, QuickBooks Payroll, Xero, Zoho Books, Zoho Payroll, Gusto and Zapier.Read 15 Oct 2026 · zilmoney.com
Additional integrations
Capterra lists FreshBooks, NetSuite, Sage Accounting, Dynamics 365, SalesforceIQ, Zoho Connect and BitPay among supported connections.Read 15 Oct 2026 · capterra.com
API authentication
API calls use HTTPS with a bearer API key obtained from the developer panel.Read 15 Oct 2026 · developer.zilmoney.com
API capability
The public API documentation describes endpoints for ACH transfers, eChecks, wires, checks, payment management and approvals.Read 15 Oct 2026 · developer.zilmoney.com
API documentation depth
The documentation provides endpoint references, cURL examples, authentication guidance, Postman base URLs and sandbox setup instructions.Read 15 Oct 2026 · developer.zilmoney.com
API environments
Developers receive separate sandbox and production environments, with production activation requiring support contact.Read 15 Oct 2026 · developer.zilmoney.com
Banking relationship
Zil Money identifies itself as a financial technology company, not a bank, and says banking and money movement services are provided through partner institutions and licensed providers.Read 3 Oct 2026 · zilmoney.com
Bulk payments
CSV upload lets customers process hundreds of vendor or payroll payments in a batch.Read 15 Oct 2026 · zilmoney.com
Check customization
Users can customize checks with logos, colors, and text.Read 3 Oct 2026 · zilmoney.com
Check import
The product page says users can integrate accounting software and import checks directly.Read 3 Oct 2026 · zilmoney.com
Check printing
Users can create and print checks on blank stock with a normal printer whenever needed.Read 15 Oct 2026 · zilmoney.com
Chrome extension
The official Chrome extension manages virtual and gift cards, requires an active Zil Money account and is free to install.Read 15 Oct 2026 · chromewebstore.google.com
Company founding
LinkedIn identifies Zil Money as founded in 2018.Read 15 Oct 2026 · linkedin.com
Company headquarters and size
LinkedIn lists San Jose, California headquarters and 201–500 employees.Read 15 Oct 2026 · linkedin.com
Developer support
The help center says development teams can receive 24/7 technical support through Slack or Teams.Read 15 Oct 2026 · support.zilmoney.com
Documentation and training
Zil Money provides tutorial videos, setup guides, live chat, phone and email support, plus scheduled training sessions.Read 15 Oct 2026 · support.zilmoney.com
Intended customers
The maker describes the platform as serving small and medium-sized enterprises and supporting their payment and finance needs.Read 3 Oct 2026 · zilmoney.com
Invoice and bill automation
The product supports invoice creation, bill payment, recurring payments and automated accounts-payable workflows.Read 15 Oct 2026 · zilmoney.com
Limit: learning curve and interface
G2 and Capterra reviews mention that the feature-rich interface can feel overwhelming, slow or dated for new users.Read 15 Oct 2026 · capterra.com
Limit: mobile data-safety disclosure
Google Play states that the Android app may share personal data and reports that data is not encrypted.Read 15 Oct 2026 · play.google.com
Limit: payment delays and disputes
A BBB complaint describes an ACH payment taking several days, extra fees and a dispute over a $30 plan charge; the company said settlement timing and incorrect beneficiary details caused the issue.Read 15 Oct 2026 · bbb.org
Limit: support responsiveness
Independent reviews report delayed or ineffective customer-service responses when transactions fail or require investigation.Read 15 Oct 2026 · trustpilot.com
Mobile workflows
The app supports reviewing and releasing vendor payments and payroll runs from a phone.Read 3 Oct 2026 · zilmoney.com
News: checks milestone
On February 20, 2026, Zil Money announced that it had processed more than 20 million checks.Read 15 Oct 2026 · zilmoney.com
News: Zil Money 2.0 beta
On June 15, 2026, the company announced an opt-in beta redesign with streamlined workflows, a new dashboard and refreshed reporting.Read 15 Oct 2026 · zilmoney.com
Not a bank
The company states that Zil Money is a fintech rather than a bank and that banking services come from partner financial institutions.Read 15 Oct 2026 · zilmoney.com
Ownership and founder
Crunchbase lists Zil Money as a private, for-profit company founded by Sabeer Nelli and associated with Tyler Petroleum.Read 15 Oct 2026 · crunchbase.com
Payment links
Users can request and receive payments through links sent to customers or affiliates.Read 15 Oct 2026 · support.zilmoney.com
Payment methods
The service supports ACH, same-day ACH, RTP, domestic and international wires, eChecks, mailed checks and card-funded payments.Read 15 Oct 2026 · support.zilmoney.com
Payroll by card
Businesses can fund payroll with a business credit card while employees receive normal payroll deposits.Read 15 Oct 2026 · zilmoney.com
Payroll checks
The service can create and print payroll checks with employee details, payments, and deductions.Read 3 Oct 2026 · zilmoney.com
Praise: ease and consolidation
G2 and Capterra reviewers repeatedly praise the intuitive payment dashboard, check printing and ability to replace several separate payment tools.Read 15 Oct 2026 · g2.com
Praise: payment flexibility
Reviewers commonly value combining checks, ACH, cards, wires, payroll and vendor payments in one account.Read 15 Oct 2026 · capterra.com
Pricing basis
The support article says there is no monthly subscription fee and pricing is based on volume, with customized plans and discounts for high volume.Read 3 Oct 2026 · support.zilmoney.com
Rating on Capterra
4.7 out of 5 from 103 reviewsRead 15 Oct 2026 · capterra.com
Rating on Chrome Web Store
0 out of 5 from 0 reviewsRead 15 Oct 2026 · chromewebstore.google.com
Rating on G2
4.4 out of 5 from 81 reviewsRead 15 Oct 2026 · g2.com
Rating on Google Play
3.4 out of 5 from 59 reviewsRead 15 Oct 2026 · play.google.com
Rating on Trustpilot
3.0 out of 5 from 476 reviewsRead 15 Oct 2026 · trustpilot.com
Security assessment
Its published NIST 800-53 assessment describes vulnerability scanning, endpoint detection, encryption, checksums, digital signatures and automated remediation.Read 15 Oct 2026 · zilmoney.com
Security claim
The company says it uses 256-bit encryption, multi-factor authentication, fraud monitoring and SOC 2 Type II controls.Read 15 Oct 2026 · zilmoney.com
System requirements
The help center says the online software is most compatible with Google Chrome and PC computers, and ordinary laser printers can print checks.Read 15 Oct 2026 · support.zilmoney.com
Virtual cards
Virtual cards can be issued with spending controls and used for vendor, employee, payroll or gift-card purposes.Read 15 Oct 2026 · g2.com

Plans and prices

Free Free billed monthly Limited monthly transactions Read 21 Sep 2026 · zilmoney.com
Business Priced on request Unlimited transactions Read 21 Sep 2026 · zilmoney.com
Pay As You Go Free Monthly fee; minimum recharge $30.00 ACH, wires, checks, virtual cards · transaction fees vary by funding method Read 15 Oct 2026 · support.zilmoney.com
Pay as You Go $30, paid once $30.00 Initial Recharge $30 Bank accounts allowed: 3 · Users: 3 · International payments and positive pay: volume/custom pricing Read 3 Oct 2026 · support.zilmoney.com
Premium $499.99 a month $499.99/mo Free 500 Credits Every Month · Txn Fee 0.19%, Min: $0.10 · Txn Fee Only After Free Credits Read 3 Oct 2026 · zilmoney.com
Enterprise Priced on request Volume and custom pricing Unlimited bank accounts and users · full integrations · API, white-label, embedded payments and own-server options Read 15 Oct 2026 · support.zilmoney.com
Enterprise Custom Priced on request Custom Volume / Custom Pricing Unlimited bank accounts · Unlimited users · Transaction pricing and check mailing: volume/custom pricing Read 3 Oct 2026 · support.zilmoney.com

Every Zil Money plan and price →

Strong points and limits

Strong points

  • Prints checks on blank check stock.
  • Creates payroll checks with payment and deduction details.
  • Imports checks directly from accounting software.
  • Available on web, Android, iOS, and through an API.
  • Mobile app supports releasing vendor payments and payroll runs.

Limits

  • Free plan has limited monthly transactions.
  • Premium costs $499.99 a month.
  • Pay as You Go requires a 30.00 USD one-time recharge.
  • Banking and money movement rely on partner providers.

Who it suits

It suits small and medium-sized businesses managing checks, payroll, and vendor payments. Businesses that want mobile payment workflows or accounting integrations may find the listed options useful.

Zil Money in depth

Read the full write-up

Zil Money combines check printing with vendor and payroll payment workflows for small and medium-sized businesses. It suits teams that want to print checks and manage other payment methods in one service. Its broad workflow coverage is balanced by volume-based charges and dependence on partner institutions for banking and money movement.

Overview

Businesses can create checks for blank stock and print them with a printer, prepare payroll checks with employee details, payments, and deductions, and customize layouts with logos, colors, and text. Accounting software connections can import checks directly. That makes Zil Money a practical fit where check handling needs to sit alongside accounting and payment operations, rather than as a standalone check-printing utility.

The company describes itself as a financial technology provider, not a bank; banking and money movement services are provided through partner institutions and licensed providers. Its stated security measures include encryption, secure data centers, multi-factor authentication, continuous monitoring, and regular assessments. It says it has completed SOC 2 Type I and Type II examinations and is PCI DSS compliant.

Key features

Checks and connected workflows

MICR printing and blank-check support let businesses print checks on their own stock. Payroll checks can carry employee, payment, and deduction details, while layout customization helps make checks match a business’s branding. These tools address check preparation and printing; they do not, on their own, establish a full payroll service.

Direct accounting imports can reduce re-entry when bringing checks into the payment workflow. The integration directory includes QuickBooks, Zoho Books, Gusto, Zapier, Xero, Salesforce, and Slack, among other services. The breadth is useful for businesses already working across those tools, though the value depends on which connections their workflow actually needs.

Mobile payments

The mobile app supports ACH transfers, RTP, wire transfers, printed checks, and eChecks. Users can review and release vendor payments and payroll runs from a phone, which gives responsible staff a way to act on payment workflows away from a desktop. The service is also listed for web and API, though the delivery model is web.

Pricing

Zil Money describes pricing as volume-based, with no monthly subscription fee, customized plans, and discounts for high volume. The free plan is free, billed monthly, with limited monthly transactions. It is a low-commitment way to assess the workflow, but the transaction cap makes it a poor fit for sustained high-volume use. A 15-day trial is also offered.

Business has custom pricing and unlimited transactions, making it the more natural option for organizations whose transaction volume outgrows the free plan. Enterprise also has custom pricing and adds Enterprise API access, white-label options, a dedicated account manager, custom integrations, and SLA guarantees. Those additions target businesses that need a tailored integration or service arrangement.

Pay as You Go costs $30, paid once, billed as a $30.00 initial recharge of $30, and permits 3 bank accounts and 3 users. International payments and positive pay use volume/custom pricing, so this entry charge does not describe the full cost of those services. Premium costs $499.99 a month, billed $499.99/mo; it includes 500 free credits every month, then charges a 0.19% transaction fee with a $0.10 minimum, applying only after the free credits. That structure suits businesses able to use the monthly credits, but ongoing transactions beyond them incur fees.

Enterprise Custom has custom volume/custom pricing, unlimited bank accounts, and unlimited users. Transaction pricing and check mailing are volume/custom priced, so this tier is aimed at organizations needing scale and a tailored arrangement rather than a fixed monthly bill. No seat or transaction allowance beyond the stated limits is given for the other plans.

Platforms

Zil Money is listed for Android, iOS, web, and API. The web delivery model and mobile payment workflows make it relevant to teams that need phone access as well as browser-based operations. API access is an option on the Enterprise plan.

Who it's for

Small and medium-sized businesses that print checks, run payroll checks, import accounting data, and coordinate vendor payments are the clearest fit. It is less compelling for a business that needs only occasional check printing or wants a predictable fee independent of transaction volume. Organizations should also be comfortable receiving banking and money movement services through partner institutions and licensed providers.

Pros and cons

Pros: Check printing, payroll checks, direct accounting imports, and layout customization cover several common business check workflows in one service.

Pros: The mobile app supports multiple payment methods and lets users review and release vendor payments and payroll runs by phone.

Pros: Free access and several plan structures offer different starting points, from limited monthly transactions to unlimited accounts and users on Enterprise Custom.

Cons: The free plan has limited monthly transactions, and custom-priced tiers require a volume-based arrangement rather than a published fixed price.

Cons: Pay as You Go is limited to 3 bank accounts and 3 users, while its international payments and positive pay carry separate volume/custom pricing.

Cons: Premium's 0.19% transaction fee, with a $0.10 minimum, applies after 500 monthly credits are used, so cost rises with usage.

Alternatives

Check Printing Software is a category overview for comparing check-printing options. Choose CHECKPRINT if its free plan’s unlimited checks and 1 bank account suit your needs; the free PDFs carry a watermark and checks are stored for 30 days. ChequePro is a Windows option with a free-forever plan limited to 1 device, up to 3 bank accounts, and 1 company. VersaCheck is a paid alternative starting at $14.98 a month for Silver, which includes 1 user, 3 bank accounts, 5 check templates, and 10 free print credits.

CheckPrintPro is worth considering for teams seeking hosted check printing, with a $9.99 a month Hosted plan that includes unlimited profiles and printing, full check history, cloud storage, any-device access, and 5 team members. CheckWriter is a paid alternative with a cloud single-user limited plan at $8 a month. Checkrun offers a paid Business subscription at $50 a month, unlimited users, and up to 10 bank accounts. PrintBoss has QuickBooks-company-based monthly plans, including Personal at $10 a month for 1 user and Small Business at $14 a month for 2–4 users. CheckBuilderPro is a paid macOS and Windows option with a $59.95 plan; its BatchBuilder add-on costs $19.95, paid once and requires version 3.0 or newer, for U.S. banks only.

Verdict

Choose Zil Money if your business needs check printing, payroll checks, accounting imports, and coordinated payment workflows across web and mobile. Its main advantage is bringing these tasks together; its main trade-off is that costs can depend on transaction volume and some banking services run through partner providers. For businesses that need only simple, occasional check printing or fixed costs, a narrower paid or free alternative may be a better fit.

Verdict

Zil Money brings check printing, payroll checks, accounting imports, and payment workflows together across web and mobile. Pricing is described as volume-based, with some listed plans carrying specific charges and others showing no price.

Where Specifiction places it

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