Zil Money

How do I actually pay $0 in transaction fees?

Load your Zil Money Wallet from your bank account. All eligible payments made from your Wallet balance have zero transaction fees*—no ACH fees, no wire fees, no check fees. You're pre-funding your payment operations to eliminate per-transaction costs. This applies only to eligible wallet transactions.*

How does paying vendors with a credit card work?

You pay Zil Money with your business credit card. We pay your vendor via their preferred method (check or ACH). Your vendor receives payment the way they want and never knows you used a card. You earn your credit card rewards and get 30-60 day float before your card payment is due. Credit card processing fees apply, but most businesses come out significantly ahead when factoring in rewards plus cash flow benefits.

Can I really run payroll with a credit card?

Yes. Process payroll through Zil Money using your business credit card. Your employees receive direct deposit as normal. You earn credit card rewards on every paycheck and get payment float. This is particularly valuable for managing cash flow during growth periods or smoothing out timing gaps between receivables and payroll dates.

What's the catch with cash back on payments?

No catch. Certain eligible wallet transactions qualify for cash back rewards.* Terms and qualifying criteria apply and vary by transaction type. This cash back is in addition to the zero transaction fees on eligible payments.* You earn on payments you're already making. Full terms available at zilmoney.com/terms.

Is this actually better than my current payment setup?

Most businesses using 2+ payment platforms save $1,000-5,000 monthly by consolidating to Zil Money—even before considering rewards earned through credit card payments. Add in time saved (average 8 hours/week) and improved cash flow management, and the answer is typically yes, significantly better. Use our savings calculator to see your specific benefit.

How quickly can I start using Zil Money?

Create account: 2 minutes. Fund wallet or connect credit card: 1 minute. Make f irst payment: 1 minute. You can be processing payments within 5 minutes of signing up. No lengthy onboarding. No complicated approval process.

What if I only need one or two features?

That works perfectly. Use only what you need—whether it's just check mailing, or only international payments, or just bill pay automation. You're not required to use every feature. Most businesses find that once they set up one capability, they naturally adopt others because everything is already connected and more cost-effective than separate tools.

Is my money actually safe with Zil Money?

Yes. Banking services are provided through partnerships with FDIC member banks. We use 256-bit encryption, maintain SOC 2 certification, employ multi factor authentication, and monitor for fraud 24/7. We meet and exceed banking industry security standards. Your funds are protected with the same security measures used by major financial institutions.