Online Check Writer

Virtual Card API

Take Control of Your Spending Limits with Virtual Card API

Virtual Card API offers a sophisticated solution to seamlessly generate unique virtual cards for your customers. This state-of-the-art feature enables you to generate multiple cards for the same account, giving you flexibility and control over how your customers interact with your services. The API also grants you the authority to define the spending limits on these cards, ensuring safety and preventing overspending.

Book A Demo Overnight Check Mailing 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.



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Effortless and Secure Transactions

The virtual card  API  provided by – powered by Zil Money, is the perfect solution for securely and safely conducting online payments. Functioning similarly to a physical card without the necessity of a tangible counterpart, these virtual cards significantly reduce the risk of fraud due to their non-physical nature. Whether on your phone or smartwatch, your virtual card is always with you, ready for use at your convenience. Also, temporarily locking your card via a mobile app offers an added layer of control over your transactions, ensuring a banking experience that is as simple as it is safe. 

Illustration of Two People Conducting Effortless and Secure Transactions on a Large Smartphone. One is Holding a Virtual Card API and the Other Gesturing Towards the Phone Display Showing a Payment Processing Screen.

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.

A Graphic Illustration of a Young Woman Standing Next to a Large Smartphone Displaying Multiple Cards, Symbolized by Virtual Card API

Multiple Cards

Using the virtual card API provided by - powered by Zil Money, you can get multiple virtual cards and issue them to multiple employees with spending limitations. This helps you keep a firm hold on your budget when making business payments and this will let the team members know exactly how much money is available. Issuing multiple cards to specific team members will also help you easily reconcile expenses made by each member. Identifying the right team member to request receipts for given transactions is easy, saving time.

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.

Integration with Banks and Accounting Software – powered by Zil Money, seamlessly integrates with over 22,000 banks and financial institutions across the United States and Canada, establishing a comprehensive network to combat fraudulent checks effectively. By connecting with nearly every bank in the USA, the platform provides an added layer of security to safeguard against fraudulent activities. Furthermore, the platform consolidates all your bank accounts and financial institutions into a single centralized location, simplifying reconciling checks and deposits with their respective banks. This integration empowers you to import and print checks directly within these accounting platforms. Whether you send eChecks or physical checks via mail, – powered by Zil Money, provides the necessary tools to streamline the process, enhancing convenience and efficiency in managing your financial transactions.

Illustration of a Smiling Man Using a Laptop, Surrounded by Icons of Various Payment and Integration with Banks and Accounting Software, That Represents Virtual Card API







Illustration of Various Digital Devices Displaying a Cross Platform Support Interface, Including a Laptop, Tablet, and Smartphone, All Are Represents Virtual Card API

Cross Platform Support

Experience the application’s versatility across your preferred platforms. Install the mobile application on your devices and enjoy its features from any location. With its user-friendly interface, the platform efficiently handles all your financial matters, conveniently consolidating them under one roof on your smart devices.


Can you use virtual card in store?

Yes, you can use a virtual card to make contactless online in-store payments. - powered by Zil Money, lets you apply for multiple virtual debit cards for your business on a single account. You can issue these cards to your employees with spending limitations.

How to use virtual card?

Businesses can easily manage expenses by creating virtual employee cards through - powered by Zil Money. You can apply for multiple virtual cards on a single account, each with set spending limits.

How does a Visa gift card work?

Activated Visa gift cards from - powered by Zil Money, work like cash and can be used for purchases anywhere Visa is accepted, both online and in physical stores.

Virtual Card vs Physical Cards

Virtual cards offer enhanced security for online transactions by generating unique card numbers that can be easily managed and deactivated, reducing the risk of fraud. Unlike physical cards, virtual cards do not require physical handling or shipping, making them instantly available and environmentally friendly.


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.