Online Check Writer


ACH (Automated Clearing House) transfers are electronic transactions between banks using an automated clearing network. They cover various transactions like fund transfers, individual payments, bill payments, employer deposits, and government benefits. Users can utilize the Automated Clearing House Network to send money to businesses.

Pay and Get paid by wire, check drafts, and check by mail service at low transaction fee. powered by Zil Money is a financial technology company, not a bank or an FDIC member. offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

Learn More About ACH



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ACH payments involve digital bank-to-bank transactions through the ACH network. This system, guided by NACHA (National Automated Clearing House Association), facilitates funds transfer between banks. NACHA manages ACH services, enabling credit transfers and direct debits. ACH is designed for batch payments with multiple transactions, typically charging fees to businesses or vendors receiving bank transfers. is an official NACHA member.

What is ACH?

Our Features AP/AR - Powered by Zil Money offers a wide range of payment features to make your business transactions secure and flexible. Now you can pay and receive payments with the easy-to-use software and dive into the journey.

Check Printing

Create and print business checks at your office desk with a drag and drop design.


Pay or get paid one-time or recurring ACH/RTP with low transaction fees.


Integrate with the top third-party applications.

Pay Bill

Pay Bills Online, Schedule them, Manage suppliers, and reduce risk.

Payments by Credit Card

Now pay by credit card even if they don't accept them.

Wire Transfer

Transfer money electronically from one financial institution to other.

Deposit Slips

Instantly create & print the deposit slip of any Bank. Keep track & auto reconcile it.


Create invoice to your customer and send link through email.

Cloud Bank

Open an online checking account with no hidden charges.

Email Check

Send your checks as a one-time printable pdf with a tracking facility.

Payment Link

Create an HTML form or link to receive payments.


Give access to accountant or clients with a role based user and approval process.

Check Mailing

Check mailing without leaving your desk. We print and mail it by USPS/FedEx.

Digital Checks

Digitize your paper checks and make your payments via email or text.

Bank Data

Connect & reconcile, Categorize from Any Financial Institution automatically.

API/White Label

Interactive developer-friendly API. Complete white label solution.

ACH Debit or Credit

ACH Debit or Credit

ACH debits are a common ACH transaction where merchants withdraw money directly from customers’ accounts. Customers authorize the transaction by providing their routing number and account information. On the other hand, ACH credits involve depositing money into a recipient’s account instead of deducting it, as in ACH debits. For example, when your employer sets up direct deposits, you provide your name, bank account number, and transaction amount, allowing them to transfer funds to your account regularly.

ACH Wallet

ACH Wallet enhances payment security, streamlines processing, and offers swift transactions, saving time and money. The platform’s ACH processing feature facilitates smooth fund transfers. You can fund your ACH Wallet using various methods such as credit cards, ACH transfers, wire transfers, or checks. ACH payment systems enable convenient one-time or recurring online bank transfers with minimal fees. Using computers, tablets, or cell phones, you can easily send and receive payments from anywhere. The platform also ensures fast and secure transactions by providing instant transfers through same-day ACH services on the same business day.

What is ACH?

Easy To Access

Instant access to your account anywhere, anytime.

High Security

Secured with Encryption, Fraud Detection, and Infrastructure.

Easy Payment

Efficiently transfer funds to where they're needed.

ACH Debit or Credit

Same Day ACH

Same-day ACH transactions have revolutionized finance, offering businesses and individuals a fast, straightforward, and efficient payment option. This feature allows for real-time payments, eliminating delays associated with traditional banking processes and enhancing business cash flow management.’s introduction of Same Day ACH streamlines transactions, cuts costs, and allows businesses to handle financial transactions seamlessly. Known for its speed, simplicity, security, and affordability, Same Day ACH stands out as an effective and attractive alternative to traditional banking practices.


What ACH means in banking?

ACH payment is an electronic bank-to-bank payment in the US, conducted through the Automated Clearing House network. offers ACH payment to simplify your payment experience.

What is ACH payment?

ACH stands for Automated Clearing House, a US. financial system for electronic payments and transfers. It's called 'direct deposits' and moves money between bank accounts without using credit card networks, paper checks, wire transfers, or cash. offers the best ACH payment feature.

What is an ACH transfer?

ACH transfer is an electronic money movement between banks through an automated clearing network. It includes external fund transfers, individual payments, bill payments, employer direct deposits, etc. With, you can make ACH transactions seamlessly.

ACH versus Wire

ACH transfer moves money from one bank to another using the Automated Clearing House network. To initiate it, the payer's bank processes a request, sending funds through the ACH network to the recipient's bank account.
Wire transfers are direct electronic payments between banks, transferring funds from one entity's account to another. The instructions include the payer's bank account and bank routing numbers for the recipient.

Online Check Writer - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $5/Month


Zil Money's payment processing system offers efficiency, security, and ease of use. It streamlines transactions, ensures timely payments, and provides robust encryption for data security. Additionally, its user-friendly interface simplifies the process for both businesses and clients, enhancing overall satisfaction.




Zil Money makes it easy for us to keep track of bills that are due and paid for our small business. We have several different checking accounts to pay from and switching back and forth is very easy. Some of our vendors still require checks for payment and printing them is straightforward as well. We don't use some of the other features yet but may look into them in the future as our business grows.




User-Friendly Interface: Zil Money's interface is intuitive and easy to navigate, making it accessible for users of varying technical proficiency.




Ease of deployment and use. Normally, a switch like this is both time-consuming and confusing, but in this case, it was super easy.




The dashboard and the customer support are amazing! Never has a company been there like Zil Money and answered all my questions before letting me go. Thank you.




I love that I am able to process payments and do ACH transfers very easily.




I like that I can use multiple payment methods and that my data is always secure.




Easy to use, friendly customer support team.