CheckIssuing vs. MultiCHAX Comparison Chart

Zil Money offers the Payroll by Credit Card feature to pay your employees on time and earn cash back rewards. Also write-off payroll funding by credit card fees as a business expense. This is a great solution to improve cash flow and keep your employees happy. The platform provides payment methods like ACH, wire, eChecks, printable checks, international payments, virtual cards, and more for flexible fund transfer. You can also customize and print checks instantly on blank stock papers using a regular printer at your office or home. Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

onPhase is an AI-powered financial automation platform that helps businesses scale smarter. From data capture to payment and everything in between, onPhase removes manual roadblocks, strengthens supplier relationships, and delivers real-time cash flow visibility so finance teams can grow sustainably with less friction. AP Automation and Vendor Payments Solutions: Allow onPhase to automate how invoices are captured, coded, routed for approval, and paid. All while seamlessly syncing back to your ERP of choice. Document Management Solution: Transforms how finance teams handle crucial documentation such as contracts, invoices, receipts, financial statements, and purchase orders. Forms and Workflow Automation: Automates the collection, routing, approval, and notification processes for expense approvals, time off requests, employee onboarding, and more.

Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.

BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.

MeridianLink® Opening simplifies and accelerates digital account opening with a streamlined platform built for speed, security, and scalability. It supports a full suite of deposit products—checking, savings, CDs, and IRAs—while delivering a consistent, omnichannel experience across all channels. Through seamless integration with core and digital banking systems, as well as hundreds of trusted third-party providers, it automates data entry, ID verification, credit checks, and fraud protection. Flexible workflows and intelligent decisioning help institutions increase conversions, reduce abandonment, and cross-sell more effectively—all while supporting compliance and a frictionless consumer experience. Our integrated digital platform supports the entire consumer financial journey while connecting with hundreds of trusted vendor partner solutions. Visit our website to learn more.

AvidXchange modernizes how middle market businesses manage expenses and payments with AI-enhanced software and support from real people. With 25 years of experience, our solutions automate manual tasks, reduce costs, and streamline your AP process, so you can focus on what matters most. Featuring one of the largest supplier networks in the middle market, AvidXchange offers in-depth industry expertise across real estate, community association management, healthcare, hospitality, education, hospitality, and nonprofits, as well as construction, financial services, and media through the acquisition of Core Associates, BankTEL, and FastPay. Why AvidXchange? - Trusted by 8,000+ businesses to digitize and automate AP workflows - 1.2 million suppliers paid through the AvidPay Network in the last five years - 240+ accounting system and ERP integrations Increase efficiency, visibility, and control in your AP process. Learn more at avidxchange.com

Multi-Entity Cloud Accounting Software for Growing Businesses Gravity Software® is a cloud-based accounting solution designed for companies that have outgrown QuickBooks but don’t need the cost or complexity of Sage Intacct or larger ERP systems. Built natively on the Microsoft Power Platform (Dynamics 365), Gravity delivers robust multi-entity financial management with seamless integration to Microsoft 365, Power BI, Teams + Copilot — no third-party add-ons required. 🎈 Multi-entity & multi-location accounting 🎈 Automated intercompany transactions 🎈 AP automation & multi-level approvals 🎈 Real-time consolidated reporting & dashboards 🎈 Advanced analytics with Microsoft Power BI 🎈 Easy navigation from accounting to sales & service Trusted by growing companies in real estate, family offices, professional services, healthcare, hospitality, and nonprofits, Gravity helps businesses simplify complex accounting, improve cash flow, and scale with confidence.

The Receptionist for iPad is visitor management software that allows users to calm the chaos of the front office. Our digital check-in solution is customizable to your needs; from your company branding, to configurable buttons and drag-and-drop-design badge printing. Effectively manage and track everyone who comes to your workspace and store the information securely in the cloud: no more paper visitor log! Ask visitors for key information during check-in, whether you need it for ITAR, C-TPAT, FSMA, or PCI compliance, or to better create that human connection with your guests. Our unique two-way communication feature even allows your employees to speak with their visitors before they've even reached the lobby. Make a radically different first impression with The Receptionist.

Florida-based marketing software firm DirectMail2.0 is at the forefront of the direct mail industry with its unique approach to automated omnichannel marketing. By integrating traditional direct mail with digital technologies, DirectMail2.0 has become an indispensable tool for print companies looking to enhance their direct mail campaigns and achieve higher ROI. The DirectMail2.0 omnichannel ecosystem currently includes 15 features proven to lift response and ROI, including Flowcode, email follow up, targeted and geo-fenced digital ads, USPS mail tracking and Informed Delivery, personalized landing pages, de-anonymizing pixel technology, and more — all managed from a single dashboard that also reports real-time campaign results from online and offline campaign components alike. Through this robust omnichannel treatment, DirectMail2.0 users typically see a 25–50% lift in direct mail effectiveness compared to traditional direct mail alone.

Zahara's cloud based platform automates budget management, suppliers, purchase requisitions, multi-level purchase approvals, deliveries and invoice reconciliation and approvals. Zahara integrates with most leading accounting software such as QuickBooks Online and Xero to give expanding SME's real time visibility and centralized control of their purchasing. Zahara can be used to control spend in an organization. We take the initial request to buy something and automate the approval process and sending of the PO to the Vendor. Deliveries can be receipted, vendors invoices matched and processed and then exported to finance. Zahara adds control yet speeds up processing.