SimpleChex vs Zil Money

SimpleChex is a web-based service for creating business checks as PDFs with MICR-encoded routing and account numbers. Users can print checks on plain white paper or blank check stock, including Costco NL-VT-compatible stock, or email a PDF for the recipient to print and deposit like a check. The product uses the E-13B MICR font used by bank scanners. Users can save payees and addresses, and add an image or typed signature to checks. SimpleChex logs checks, batches, and emails, and past checks can be reprinted as PDFs. Firm accounts allow unlimited team members, with access scoped to selected businesses or bank accounts. For QuickBooks payroll, users can upload a payroll PDF for a MICR line to be added to each page. The service does not hold, transmit, or process funds; checks clear through the user's existing bank relationship. The free plan is free and allows one business, unlimited bank accounts, 10 checks per month, and one user. Solo costs $5 a month; Firm costs $19 a month and includes up to 10 businesses, with each additional business at $2/mo.

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.