# Zil Money Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about Zil Money Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more.

Source: https://www.capterra.com/p/10014229/Zil-Money

---

# 

 Zil Money Software Review 2026: Features, Integrations, Pros & Cons

Last updated on July 10, 2026

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.

[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews)

Zil Money

## What is Zil Money?

Zil Money's payroll funding by credit card feature allows small and medium businesses to pay employees on time without worrying about cash flow. Payroll by credit card helps to free cash flow, earn reward points and lower taxable business income as card charges can be claimed as business expenses. Zil Money provides services from check printing to online payments. Accounts Payable and receivable Software integrated with renowned accounting software, making Zil Money the best online accounting software solution for small businesses. 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.

## What is Zil Money used for?

[Payment Processing](https://www.capterra.com/payment-processing-software/)[Accounts Payable](https://www.capterra.com/accounts-payable-software/)[Accounts Receivable](https://www.capterra.com/accounts-receivable-software/)

Overall rating

Based on 103 user reviews

Reviews sentiment

Positive

92%

Neutral

6%

Negative

2%

Starting price

$30

Usage Based, Per Month

Free trial  
available

Capterra Shortlist charts the highest-rated and most popular products...

Our "Best of" badge program showcases products with the highest ratings...

Our "Best of" badge program showcases products with the highest ratings...

## Zil Money alternatives

[4.2 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

85%

of reviewers

rated it above 4 stars

[4.5 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

Starting price

$30.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

91%

of reviewers

rated it above 4 stars

[4.2 (404)](https://www.capterra.com/p/184673/Melio/reviews/)

Starting price

$25.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

83%

of reviewers

rated it above 4 stars

[4.3 (243)](https://www.capterra.com/p/225025/Plooto/reviews/)

Starting price

$32.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

87%

of reviewers

rated it above 4 stars

[View all alternatives](https://www.capterra.com/p/10014229/Zil-Money/alternatives/)

## FAQs about Zil Money

Overview

### What problems does Zil Money solve?

Zil Money solves fragmented business payment workflows by centralizing checks, ACH, payroll, cards, and invoices in one simple dashboard. It reduces manual payment scheduling, vendor payment delays, lost transaction visibility, and bank-switching friction. Small business owners, finance teams, bookkeepers, and payroll administrators benefit most from faster, trackable, lower-hassle payment operations.

Answer based on 59 reviews

Overview

### Which roles and teams benefit most from Zil Money?

Zil Money is most used by business owners, CEOs, and finance leaders who manage payments, checks, and cash flow across small and midsize companies. Operations managers and administrative teams use it to streamline payroll, vendor payments, and account oversight, while executives rely on it to maintain payment control and financial visibility.

Answer based on 103 reviews

Talk to an expert

### More questions?

Ask our experts

Overview

### What company size and industries is Zil Money built for?

Zil Money is built for U.S. small businesses, which make up 91% of reviewers, with retail the top industry at 10%. It also serves entrepreneurs, freelancers, enterprises at 6%, and midsize businesses at 3%, with construction and accounting each at 6%. Its primary use case is payment processing.

Answer based on 103 reviews

Features and Usability

### What are the key features of Zil Money?

Zil Money includes core payment processing features like ACH payment processing, debit and credit card processing, online payments, and payment links. Reviewers also focus on check printing, e-checks, wire and money transfers, plus account management, billing and invoicing, and reporting tools for tracking transactions and cash flow.

Answer based on 37 reviews

Integrations

### Which third-party tools and platforms does Zil Money integrate with?

Zil Money integrates with 15 third-party tools and platforms, including accounting and business apps such as QuickBooks Online, QuickBooks Desktop, QuickBooks Payroll, Xero, FreshBooks, Sage Accounting, Zoho Books, NetSuite, SalesforceIQ, Gusto, Dynamics 365, BitPay, Zoho Connect, servis.ai, and Zapier.

Answer based on 6 reviews

Getting Started and Support

### What training and onboarding options does Zil Money offer?

Zil Money provides live online sessions, documentation, and videos for team training. Live online sessions support guided instruction, documentation offers written reference material for review, and videos provide visual walkthroughs that users can follow at their own pace.

Answer based on 5 reviews

Getting Started and Support

### What customer support options does Zil Money offer, and how do users rate the experience?

Zil Money offers email/help desk, FAQ/forum, a knowledge base, phone support, 24/7 live representatives, and chat. Users often describe support as friendly, patient, and responsive, with helpful live agents on calls. Some, however, report slower response times, difficulty reaching support, long holds, and inconsistent issue resolution.

Answer based on 28 reviews

Features and Usability

### How does Zil Money handle checks and business accounts?

Zil Money centralizes check payments, account switching, and payment management in one dashboard for small businesses and freelancers. Many users value check printing, digital checks, ACH, and wires, especially for paying vendors and tracking bills, though some mention a learning curve and limited cloud banking options.

Answer based on 25 reviews

Online services

### How good are Zil Money's online services?

Zil Money makes online payments and account tasks easy to handle from home or on the go. Many small business users like the simple dashboard, quick payment processing, and responsive support, while some mention approval delays, higher-than-expected costs, or wanting more features and guidance during setup.

Answer based on 22 reviews

## Who uses Zil Money?

Based on Capterra reviews from the past 3 years

Talk to a software expert

to get a free software list  
tailored to your business needs

Company size

Based on 103 reviews

100%

75%

50%

25%

Smallbusiness

Midsizebusinesses

Enterprise

Top job functions

Based on 103 reviews

Administrative

29%

Administrative

29%

Entrepreneurs/ Owners

13%

Creative & Design

11%

Consulting

9%

Others

38%

Top industries

Based on 103 reviews

Retail

31%

Construction

19%

Accounting

19%

Wholesale

16%

Other

15%

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

Billing & Invoicing

4.4 (73)

45.21% of 73 reviewers that rated this feature as important or highly important

Create, manage, and send invoices or bills to customers

Data Security

4.7 (73)

53.42% of 73 reviewers that rated this feature as important or highly important

Protect sensitive data for digital privacy

Electronic Payments

4.6 (65)

50.77% of 65 reviewers that rated this feature as important or highly important

Electronically collect payments for goods or services

Debit/Credit Card Processing

4.5 (60)

51.67% of 60 reviewers that rated this feature as important or highly important

Accept and process credit/debit card transactions

ACH Payment Processing

4.4 (58)

48.28% of 58 reviewers that rated this feature as important or highly important

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Mobile Payments

4.6 (56)

44.64% of 56 reviewers that rated this feature as important or highly important

Clients can submit payments via mobile devices

Zil Money 17 features

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Dashboard to view the status of ongoing processes, identify current incidents and track past activities

Application programming interface that allows for integration with other systems/databases

Create, manage, and send invoices or bills to customers

Reports that show customers their invoices, payments, and balance on the account

Protect sensitive data for digital privacy

Accept and process credit/debit card transactions

Electronically collect payments for goods or services

Captures invoice data and maintains comprehensive records for auditing and reporting purposes

Creation, processing, verification, and execution of invoices till the payment is made

Clients can submit payments via mobile devices

Process payments via multiple modes directly through the application

Send clickable links via text or email to collect payments from customers

A list of customers and their payments due updated on a monthly basis

View and track pertinent metrics to find patterns and gain insights from data

Set up connections to third-party platforms to improve business processes

Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc.

Get Advice

We can help you find the software with the features you need.

Features

4.5 (103)

4.5

Based on 103 reviews

## Pricing

Value for money

4.6 (93)

Free Trial

Basic

$30.00

Usage Based,Per Month

Value for money

4.6 (93)

4.6

Based on 93 reviews

## Integrations

[

QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[

Dynamics 365](https://www.capterra.com/p/157279/Dynamics-365/)[

FreshBooks](https://www.capterra.com/p/142390/FreshBooks/)[

Xero](https://www.capterra.com/p/120109/Xero/)[

Zapier](https://www.capterra.com/p/130182/Zapier/)[

QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[

NetSuite](https://www.capterra.com/p/135757/NetSuite/)[

QuickBooks Payroll](https://www.capterra.com/p/174981/QuickBooks/)

Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

## Support, customer service and training options

Customer Service

4.5 (92)

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Deployment

-   Web
-   Android
-   iPhone/iPad

Typical users

-   Freelancers
-   Small businesses
-   Mid size businesses
-   Enterprises

Customer Service

4.5 (92)

4.5

Based on 92 reviews

## User reviews

Overall rating

4.7

Based on 103 reviews

Filter by rating

5(82)

4(13)

3(6)

2(1)

1(1)

Mentioned topic

Sorted by most recent

DS

Dmitriy S.

Add Marketing

Events Services

### "At First glance"

4.0

Overall Rating

4.0

4.0

Ease of Use

4.0

4.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

2/10

December 24, 2025

At first I wasn’t sure but the app checks out and is legitimate, I make my side work transactions and all my online needs with this app, it’s perfect for that, give it a whirl, see for yourself.

Pros

Very fast transactions, hadn’t had any problems with it yet I use this for all my online transactions, works great like any other platform.

Cons

The interface looks a little dull maybe give it a different design because first glance didnt real me in as much.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 29, 2025

Thank you for taking the time to share your experience. We’re glad to hear that transactions have been fast and reliable for your online needs. We also appreciate your feedback on the interface, as it helps us continue improving the overall user experience.

SA

shadma A.

CEO

Outsourcing/Offshoring

### "Reliable Platform with Excellent Customer Support"

5.0

Overall Rating

5.0

5.0

Ease of Use

4.0

4.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

December 16, 2025

Overall, my experience with Zil Money has been very positive. The platform is easy to use, transactions are smooth, and their customer support team is excellent, with live agents available on calls and complete transparency.

Pros

What I liked most about Zil Money is their excellent customer support. The support team is responsive, transparent, and you can easily connect with a live agent on calls whenever needed.

Cons

Currently, Zil Money does not offer a cloud banking option. At the moment, transactions are limited to wallet-based usage only.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 23, 2025

We appreciate you taking the time to share your experience. We’re pleased to hear that the platform has met your expectations, and we value your feedback as part of our ongoing efforts to improve.

AS

Ashley S.

Owner

Internet

### "Great Money Management"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

7/10

October 18, 2025

This company is a great opportunity to take Adamvantage of using. There trustworthy! I recommend trying them if you haven’t yet.

Pros

I really loved and enjoyed the readability, smooth operation and quick transfers and transactions I don’t have complaints

Cons

I didn’t like it took me a while to register and get the application downloaded and installed. After it was finished was no problem

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 15, 2025

Thank you for your review. We’re glad to hear you enjoyed the smooth experience, quick transactions, and overall ease of use. We appreciate your feedback and will use it to improve the registration process. It’s great to know you see strong value in using our platform.

JA

Jonica Ariel P.

CEO

E-Learning

### "So easy, a Caveman could do it. "

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

October 4, 2025

I had a easy setup process and when it came time for me to issue out payments i had no problem executing e-checks to my team. It was a no hassle quick process that left me stress free!

Pros

The ease of creating your own secure way of making payments for small business owners who have to make every penny count.

Cons

Nothing that i did not like about this app. There's not much to it, I was actually wowed by this application.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 7, 2025

Thank you for sharing your experience! We’re thrilled to hear that the setup process was easy and that issuing eChecks to your team was stress-free. It’s great to know the app is helping you manage payments efficiently and securely while making every penny count. Your feedback truly motivates us to continue simplifying the payment process and keeping it hassle-free for business owners like you

AH

Anna H.

Litigation consultant

Insurance

### "Woks well for now"

5.0

Overall Rating

5.0

5.0

Ease of Use

4.0

4.0

Features

3.0

3.0

Customer Service

4.0

4.0

Likelihood to Recommend

6/10

October 4, 2025

It works well with my business model. It was more costly than expected. I’m looking for other options.

Pros

Access fee-free transactions for eligible transactions through your ZilMoney Wallet. I also like the Real-time payment tracking.

Cons

Customers are not directly insured by the FDIC. The claim “Up to 90% cost savings” is not accurate.

Alternatives considered

[PayPal](https://www.capterra.com/p/207944/PayPal/)

Reasons for choosing Zil Money

It was a better option, but I’m currently not sure.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 7, 2025

Thank you for your feedback. We’re glad to hear that fee-free transactions and real-time payment tracking have been helpful for your business. We understand your concerns about cost and FDIC coverage, and we appreciate your honesty. Your input helps us improve and support small business owners.

JL

Justin L.

Owner

Construction

### "You gotta cheque this out"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

October 3, 2025

Best value you can get for your money... It helped me keep my money secure and help me do quick money transfers when I needed it.

Pros

All-in-One Platform: The convenience of managing various payment methods (checks, ACH, payroll) and financial tools from a single dashboard. Check Printing & Digital Checks: The feature that allows businesses to customize and print checks on blank stock paper or send digital checks is a popular feature for saving costs and streamlining the process

Cons

Some features were unavailable in the mobile version versus the desktop version. But still overall a very simple user interface

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

October 10, 2025

Thank you so much for your thoughtful feedback! We’re delighted to hear that you’re enjoying the convenience of managing all your payments in one place and that our check printing and digital check features are adding value to your business. We appreciate your note about the mobile version — our team is continuously working to bring more desktop features to mobile for an even smoother experience. Thanks again for choosing us and sharing your experience!

WJ

William J.

Owner

Marketing and Advertising

### "Why you should choose zilmoney"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

7/10

October 2, 2025

My experience has been great. They make things very easy to manage my business payments go over smoothly, and I just feel more confident about the security of the of it all.

Pros

The process to process Payments was so easy to follow and made it more manageable to deal with during payday

Cons

I can honestly say there wasn’t that much that I disliked about it.it just simplified everything for me.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 18, 2025

Thank you for sharing your experience with Zil Money. We’re happy to hear that our platform made payments easier, smoother, and more secure for your business. We appreciate you choosing Zil Money!

DW

Davon W.

CEO

Music

### "Horrible if I must say so myself"

1.0

Overall Rating

1.0

1.0

Ease of Use

1.0

1.0

Features

1.0

1.0

Customer Service

1.0

1.0

Likelihood to Recommend

0/10

October 2, 2025

Bad because the customer service was horrible they didn't do anything I asked them to do and it's like I just was on the phone on hold put him to hang up on me

Pros

Nothing was likeable I think it was a horrible experience because I've been a member with them for years and they treated me like nothing

Cons

Customer service and the fact of the matter that they took forever to answer my call just to do nothing for me when I clearly told them what I called for they still didn't get it done

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 19, 2025

Thank you for sharing your feedback. We’re sorry to hear about your experience and take concerns like this seriously. Your comments help us identify areas for improvement, and we’ll continue working to enhance our service and support.

KC

Kyndra C.

Owner

Construction

### "Mines&yours"

3.0

Overall Rating

3.0

3.0

Ease of Use

3.0

3.0

Features

3.0

3.0

Customer Service

3.0

3.0

Likelihood to Recommend

5/10

October 2, 2025

Pros

Money transfer is some what easy

Cons

dont however like the credit card payment process do how ever like the security of the site

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 19, 2025

Thank you for sharing your feedback. We’re glad to hear that money transfers have been easy and that you value the security of our platform. We appreciate your comments about the credit card payment process and will use this feedback to continue improving our experience.

TG

Tyler G.

Assistant

E-Learning

### "Join along sil money friends "

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

4.0

4.0

Customer Service

3.0

3.0

Likelihood to Recommend

8/10

October 2, 2025

I was really upset about the failed extended trial but this website or app is awesome so join along friends

Pros

It’s has ach and wires along with a wallet balance and credit /debit card support All in all I was impressed

Cons

The price sass is saaas software as a service is expensive though but this is a little high they gave me an option to extend my free trial and never followed through

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

Response from Vendor

December 19, 2025

We appreciate you taking the time to share your experience. We’re pleased to hear you found value in the platform and appreciate your feedback as we continue to improve.

[View all Reviews](https://www.capterra.com/p/10014229/Zil-Money/reviews/)

## Top-rated software of 2026

### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.

Popular comparisons

[PayPal vs Zil Money](https://www.capterra.com/compare/207944-10014229/PayPal-vs-Zil-Money)[Venmo vs Zil Money](https://www.capterra.com/compare/222572-10014229/Venmo--vs-Zil-Money)[Stripe vs Zil Money](https://www.capterra.com/compare/123889-10014229/Stripe-vs-Zil-Money)[Square Payments vs Zil Money](https://www.capterra.com/compare/170278-10014229/Square-Payments-Processing-vs-Zil-Money)[QuickBooks Online vs Zil Money](https://www.capterra.com/compare/190778-10014229/QuickBooks-Online-vs-Zil-Money)[Melio vs Zil Money](https://www.capterra.com/compare/184673-10014229/Melio-vs-Zil-Money)[BILL Accounts Payable & Receivable vs Zil Money](https://www.capterra.com/compare/166559-10014229/BILL-vs-Zil-Money)[FreshBooks vs Zil Money](https://www.capterra.com/compare/142390-10014229/FreshBooks-vs-Zil-Money)[NetSuite vs Zil Money](https://www.capterra.com/compare/135757-10014229/NetSuite-vs-Zil-Money)

[QuickBooks Enterprise vs Zil Money](https://www.capterra.com/compare/174984-10014229/QuickBooks-Enterprise-vs-Zil-Money)[Online Check Writer vs Zil Money](https://www.capterra.com/compare/237205-10014229/Online-Check-Writer-vs-Zil-Money)[Agicap vs Zil Money](https://www.capterra.com/compare/196637-10014229/Agicap-vs-Zil-Money)[Zoho Books vs Zil Money](https://www.capterra.com/compare/163115-10014229/Zoho-Books-vs-Zil-Money)[Plooto vs Zil Money](https://www.capterra.com/compare/225025-10014229/Plooto-vs-Zil-Money)[Spendesk vs Zil Money](https://www.capterra.com/compare/157515-10014229/Spendesk-vs-Zil-Money)[QuickBooks Online Advanced vs Zil Money](https://www.capterra.com/compare/189398-10014229/QuickBooks-Online-vs-Zil-Money)[PaySimple vs Zil Money](https://www.capterra.com/compare/146664-10014229/PaySimple-vs-Zil-Money)[Wave vs Zil Money](https://www.capterra.com/compare/178021-10014229/Wave-Apps-vs-Zil-Money)