Zil Money

Overview

Zil Money brings check printing together with electronic payments and mobile approval workflows for small and midsize businesses. It suits teams handling vendor payments or payroll that want checks and digital transfers in one service. Its broad payment options are balanced by transaction-based pricing and dependence on partner providers for banking and money movement.

Businesses can print checks on blank stock, prepare payroll checks with employee and payment details, customize layouts, and import checks through accounting software. Zil Money is a financial technology company, not a bank; partner institutions and licensed providers supply banking and money movement services.

Key features

Check and payment workflows

MICR printing, blank-check support, and customizable logos, colors, and text make the service relevant to businesses that print their own checks and want a consistent appearance. Payroll checks can include employee details, payments, and deductions. Accounting software can be connected to import checks directly, reducing the need to recreate them manually.

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 useful approval step for teams that need to manage payment releases away from a desk. Those options broaden its role beyond check printing, though they also mean buyers should compare transaction costs with their expected payment volume.

Integrations and security

The integration directory includes QuickBooks, Zoho Books, Gusto, Zapier, Xero, Salesforce, and Slack, among others. That range can help businesses connect accounting and payment workflows, particularly when they already use one of those services. Zil Money says it uses encryption, secure data centers, multi-factor authentication, continuous monitoring, and regular security assessments. It has completed SOC 2 Type I and Type II examinations and is PCI DSS compliant.

Pricing

Zil Money describes its pricing as volume-based, with customized plans and discounts for high volume, and says there is no monthly subscription fee. The Free plan costs nothing, billed monthly, with limited monthly transactions. It is a way to start without a subscription, but the transaction cap may constrain businesses with regular payment runs.

The Business plan has custom pricing and unlimited transactions, making it a more relevant option for higher-volume operations that need predictable capacity. Enterprise also has custom pricing and adds enterprise API access, white-label options, a dedicated account manager, custom integrations, SLA guarantees, and volume-based pricing. Those provisions target organizations with integration or service-level requirements rather than buyers seeking a fixed published rate.

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 have volume/custom pricing. This caps the included account and user footprint, so larger teams should compare it with custom plans.

Premium costs $499.99 a month, billed at $499.99/mo. It includes 500 credits each month, then charges a 0.19% transaction fee with a $0.10 minimum per transaction; the fee applies only after the free credits. This gives frequent users a defined monthly credit allowance, but the monthly price and subsequent fees may not suit lower-volume businesses. Enterprise Custom has custom volume/custom pricing, unlimited bank accounts, unlimited users, and volume/custom pricing for transactions and check mailing.

The pricing note also mentions a 15-day trial. Businesses should weigh the free plan’s transaction limit and the distinct account, user, credit, and volume terms against their expected usage.

Platforms

Zil Money lists Android, iOS, web, and API availability, while its delivery model is web. The phone apps support payment review and release workflows; businesses comparing platforms should distinguish those mobile workflows from the web-based delivery model.

Who it's for

Zil Money is a good fit for small and midsize businesses that print checks, run payroll payments, or manage vendor payments and want electronic transfer options and accounting integrations alongside them. It is less compelling for a business that only needs occasional check printing or wants to avoid transaction-based costs, and it is not a bank or a substitute for evaluating the partner providers involved in banking and money movement.

Pros and cons

• Pros: MICR printing on blank stock, payroll checks, and layout customization cover several common business check workflows.
• Pros: ACH, RTP, wires, printed checks, and eChecks plus mobile approvals give teams multiple ways to release vendor and payroll payments.
• Pros: Integrations including QuickBooks, Xero, and Gusto can connect payment work with accounting and payroll services.
• Cons: The Free plan has limited monthly transactions, so recurring or higher-volume use may require a different plan.
• Cons: Business and Enterprise pricing is custom, while Pay as You Go and Premium also have account, user, credit, or transaction-fee terms to factor into budgeting.
• Cons: Banking and money movement rely on partner institutions and licensed providers rather than Zil Money acting as a bank.

Alternatives

Check Printing Software is a useful category overview for comparing check-focused tools. Consider ChequePro instead if a Windows product with a free plan for one device, up to three bank accounts, and one company is a closer fit. SimpleChex may suit a web user seeking a free plan for one business, one user, unlimited bank accounts, and 10 checks per month.

VersaCheck is an option for buyers who want a paid product spanning Android, iOS, macOS, web, and Windows; its Silver monthly plan is $14.98 a month for one user, three bank accounts, five templates, and 10 free print credits. CheckWriter may be worth comparing for a paid, multi-platform check-writing option with a listed cloud plan starting at $8 a month. TROY AssurePay Check is another paid option for web and Windows.

CertiflexDimension Ultra MICR Check Printing is a paid Windows alternative. CHECKPRINT is a web-based option with a free plan. CheckPrintPro is a paid option with a free trial across macOS, web, and Windows; its Hosted plan is $9.99 a month and includes unlimited profiles and check printing, full check history, cloud storage, any-device access, and five team members.

Verdict

Choose Zil Money if your business needs check printing alongside vendor and payroll payment workflows, mobile approvals, and accounting integrations. Its strongest case is the breadth of payment methods and check tools in one service. Look elsewhere if you need only occasional checks, cannot accept volume-based fees or plan limits, or prefer banking and money movement not provided through partner institutions.