# 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 March 13, 2026

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

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[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[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/)

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

Highest Rated

[4.9 (247)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

Starting price

$25.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

99%

of reviewers

rated it above 4 stars

[4.6 (3,335)](https://www.capterra.com/p/123889/Stripe/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

93%

of reviewers

rated it above 4 stars

[4.7 (3,632)](https://www.capterra.com/p/153752/Vagaro/reviews/)

Starting price

$23.99

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

94%

of reviewers

rated it above 4 stars

[4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

96%

of reviewers

rated it above 4 stars

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

## Who uses Zil Money?

Based on Capterra reviews from the past 2 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

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

Multiple Payment Options

4.6 (53)

47.17% of 53 reviewers that rated this feature as important or highly important

Process payments via multiple modes directly through the application

Zil Money 10 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

Protect sensitive data for digital privacy

Accept and process credit/debit card transactions

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

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

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/)

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Independent research methodology

Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology.

[Learn more](https://www.capterra.com/resources/proprietary-data-research/)

How Capterra verifies reviews

Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI.

[Learn more](https://www.capterra.com/resources/how-we-verify-reviews/)

How Capterra ensures transparency

Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website.

[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)