Zil Money

Overview

Zil Money is a business payment platform built around check creation and printing, with additional payment workflows for vendors and payroll. It is best suited to small and medium-sized businesses that want check handling alongside electronic payment options. Its breadth is useful, but transaction-based pricing and reliance on partner institutions make it important to weigh cost and provider arrangements before committing.

Businesses can print checks on blank stock, create payroll checks, customize check layouts, and import checks through accounting integrations. The service identifies itself as a financial technology company rather than a bank; banking and money movement are provided through partner institutions and licensed providers.

Key features

Checks and payment workflows

MICR printing and blank-check support let businesses print checks using their own printer and stock. Payroll checks can include employee details, payments, and deductions, while logos, colors, and text can be used to customize check layouts. These capabilities suit teams that need branded checks or regular payroll output, though they do not by themselves establish that the service replaces a full payroll system.

Accounting software connections can import checks directly. The integration directory includes QuickBooks, Zoho Books, Gusto, Zapier, Xero, Salesforce, and Slack, among other services. That range may help businesses connect payment work to existing tools, but the listed integrations should not be mistaken for proof that every workflow is automated.

Mobile and security

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, a practical option for approvers away from a desk. The product’s delivery model is web, so teams should distinguish these mobile workflows from a native, fully mobile version of every platform function.

Zil Money says it uses encryption, secure data centers, multi-factor authentication, continuous monitoring, and regular security assessments. The company also states that it has completed SOC 2 Type I and Type II examinations and is PCI DSS compliant. These measures and attestations are relevant for businesses handling payment data, while the banking and money movement relationship remains with partner institutions and licensed providers.

Pricing

Zil Money uses volume-based pricing rather than a monthly subscription fee, with customized plans and discounts for high volume. A free plan and 15-day trial are offered, but the free plan has limited monthly transactions, so it is better suited to evaluation or modest use than a dependable high-volume workflow.

Free costs nothing, billed monthly, with limited monthly transactions. It gives businesses a way to start without a recurring charge, but the transaction cap may constrain routine use.

Business has custom pricing and unlimited transactions. It may suit businesses that need more transaction capacity, though the final cost depends on the customized arrangement.

Pay as You Go costs $30, paid once, billed as a $30.00 initial recharge. It allows 3 bank accounts and 3 users; international payments and positive pay are volume/custom pricing. The defined account and seat limits make this a bounded option, while the initial recharge is not a monthly subscription.

Premium costs $499.99 a month and includes 500 free credits each month. After those credits, the transaction fee is 0.19%, with a $0.10 minimum. This structure may fit businesses able to use the included credits, but costs rise once they are exhausted.

Enterprise has custom pricing and unlimited transactions, with enterprise API access, white-label options, a dedicated account manager, custom integrations, and SLA guarantees. Enterprise Custom also uses custom volume/custom pricing and includes unlimited bank accounts and users; transaction pricing and check mailing are volume/custom priced. These plans are aimed at organizations needing scale or tailored arrangements rather than a published, predictable entry price.

Platforms

Zil Money is available for Android, iOS, web, and API. Its delivery model is web, with phone workflows for reviewing and releasing vendor payments and payroll runs. That combination supports web-based operations with mobile approvals, but teams should confirm that their required day-to-day tasks fit those workflows.

Who it's for

Zil Money is a strong candidate for small and medium-sized businesses that print checks, manage payroll or vendor payments, and want electronic payment methods and accounting integrations in one service. It is less compelling for a business seeking a simple fixed monthly bill, or one that wants banking services provided directly by its software vendor.

Pros and cons

• Pros: MICR and blank-check printing, payroll checks, and layout customization cover practical check workflows in one platform.
• Pros: ACH, RTP, wire, printed-check, and eCheck options, plus mobile payment approvals, give teams several ways to manage payments.
• Pros: Integrations include major accounting and business tools such as QuickBooks, Xero, Gusto, and Zoho Books.
• Cons: The free plan has limited monthly transactions, and several paid plans use custom or volume-based pricing, making costs harder to budget in advance.
• Cons: Pay as You Go is limited to 3 bank accounts and 3 users, while Premium charges a 0.19% transaction fee after its 500 monthly credits, subject to a $0.10 minimum.
• Cons: Banking and money movement rely on partner institutions and licensed providers rather than Zil Money acting as a bank.

Alternatives

For a broader comparison of tools focused on printing checks, see Check Printing Software.

ChequePro is worth considering for a Windows-only workflow: its free plan covers one device, up to 3 bank accounts, and one company, while its Essential plan costs $99, paid once. SimpleChex may suit a web-based, single-business setup with a free tier of 10 checks per month, one user, and unlimited bank accounts; its Solo plan is $5 a month.

VersaCheck is a paid option across Android, iOS, macOS, web, and Windows; its Silver monthly plan costs $14.98 a month for one user, 3 bank accounts, 5 templates, and 10 free print credits. CheckPrintPro offers a Hosted plan at $9.99 a month with unlimited profiles and check printing, full check history, cloud storage, and use on any device, making it a lower-priced hosted alternative based on those listed inclusions.

Checkrun may appeal to teams prioritizing an Android, iOS, and web workflow; its Business subscription is $50 a month and includes unlimited users and up to 10 bank accounts. PrintBoss is another paid choice, with Personal at $10 a month per QuickBooks company for one user and Small Business at $14 a month per QuickBooks company for 2–4 users.

PrintCheck is a free web alternative. SimpleChecks is a freemium web alternative.

Verdict

Choose Zil Money if your business needs check printing and payroll or vendor payment workflows alongside multiple electronic payment methods and accounting integrations. Its combination is the main reason to choose it; transaction limits on the free tier, variable pricing, and partner-based banking arrangements are the main reasons to look elsewhere if predictable costs or a direct banking relationship matter more.