--- title: "Zil Money Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Zil Money Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/10014229/Zil-Money/" page_type: "product" language: "en" --- # Zil Money Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 26, 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. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements. ## 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/) Top alternative Featured 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 Free version not included 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... Do you work for Zil Money?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://zil.us/&name=Zil Money) Rating Breakdown 4.7 +− Features4.5 Value for Money4.6 Ease of Use4.6 Customer Service4.5 Rating Breakdown 4.7 Features4.5 Value for Money4.6 Ease of Use4.6 Customer Service4.5 ## Zil Money Reviewers Verdict Updated August 2026 AI summary - Zil Money is a good fit for small businesses, finance teams, and owners seeking unified payment and account management. - Its main advantage is combining multiple payment options—including checks, ACH, and cards—into a single, easy-to-use dashboard. - It simplifies daily financial tasks by making money transfers, payment scheduling, and check management faster and more convenient. - Buyers may need to accept some trade-offs in customer support response times and a learning curve for feature-rich workflows. - It suits teams prioritizing payment efficiency and versatility, but may be less ideal for those needing rapid support or very simple setups. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Zil Money 4.7 (103) VS. [4.2 (405)](https://www.capterra.com/p/184673/Melio/reviews/) Starting Price $30 Usage Based, Per Month Starting Price $25 Per User, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (103) Ease Of Use 4.4 (26,588) Value For Money 4.6 (93) Value For Money 4.3 (20,430) Customer Service 4.5 (92) Customer Service 4.0 (20,687) ## Zil Money alternatives [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 [4.3 (245)](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 [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,610)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,302)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [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 combining checks, ACH, payroll, invoices, and card payments in one dashboard. It reduces manual payment scheduling, unclear transaction status, vendor payment limitations, and check-printing hassles. Small businesses, finance teams, freelancers, and AP staff benefit most from faster processing, easier tracking, and cleaner cash-flow visibility. 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 need tighter control over payments, cash flow, and account management. Operations managers and administrative teams benefit from handling check printing, vendor payments, and routine banking tasks efficiently, while executives use it to streamline financial workflows and keep spending organized. Answer based on 103 reviews 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 leading at 10%. It also serves entrepreneurs, freelancers, enterprises at 6%, and midsize businesses at 3%, with notable use in construction and accounting at 6% each for payment processing. Answer based on 103 reviews Features and Usability ### What are the key features of Zil Money? Zil Money includes core payment tools like payment processing, ACH payment processing, online payments, and multiple payment options for cards, checks, and wire transfers. Differentiating features include check printing, payment scheduling, invoice management, and reporting/analytics, with a central dashboard for account management and transaction tracking. Answer based on 37 reviews Integrations ### Which third-party tools and platforms does Zil Money integrate with? Zil Money integrates with accounting, payroll, CRM, and automation tools including QuickBooks Online, QuickBooks Desktop, QuickBooks Payroll, Xero, FreshBooks, NetSuite, Sage Accounting, Dynamics 365, SalesforceIQ, Zoho Books, Zoho Connect, Gusto, BitPay, and Zapier. It also connects with servis.ai for additional workflow support. 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 setup and direct instruction, documentation offers written reference material for ongoing use, and videos provide visual walkthroughs for learning features and basic workflows. 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, helpful, and quick to answer questions, especially with live agents on calls, though some report slower response times, hold issues, and difficulty getting help when problems arise. Answer based on 28 reviews Features and Usability ### How well does Zil Money handle checks and account management? Zil Money handles check printing, digital checks, and account switching well for small business payment workflows. Many users like managing ACH, wires, wallet balances, and multiple bank accounts in one dashboard, though some mention a brief learning curve and note limits around cloud banking, invoicing, or certain card-related features. Answer based on 25 reviews Features and Usability ### How good are Zil Money’s online services? Zil Money offers convenient online payment services that work well for businesses managing payments remotely. Many users find the dashboard easy to use and like handling tasks from home, with helpful customer support, though some report setup friction on early transactions, higher-than-expected costs, or a need for more features and guidance. 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 ## Features AI summary Based on 17,379 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) Zil Money supports all three of the features reviewers consider most important: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses protect sensitive payment information, accept payments through digital channels, and process card transactions reliably, allowing teams to manage payments with greater confidence and efficiency. 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 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 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 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 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 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) Zil Money 17 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - API: Application programming interface that allows for integration with other systems/databases - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Customer Statements: Reports that show customers their invoices, payments, and balance on the account - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Payments: Electronically collect payments for goods or services - Invoice Management: Captures invoice data and maintains comprehensive records for auditing and reporting purposes - Invoice Processing: Creation, processing, verification, and execution of invoices till the payment is made - Mobile Payments: Clients can submit payments via mobile devices - Multiple Payment Options: Process payments via multiple modes directly through the application - Payment Links: Send clickable links via text or email to collect payments from customers - Receivables Ledger: A list of customers and their payments due updated on a monthly basis - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Vendor Management: 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/)[ NetSuite](https://www.capterra.com/p/135757/NetSuite/)[ QuickBooks Payroll](https://www.capterra.com/p/174981/QuickBooks/)[ Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/) 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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 Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. 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. 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