Zil Money vs. ipaymy Comparison


Zil Money	ipaymy	+	+
Learn More Update Features	Learn More Update Features	Add To Compare	Add To Compare


		Related Products Melio 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. 2,212 Ratings Visit Website Traild Traild is an accounts payable automation platform designed to streamline, secure, and modernize AP processes. It integrates seamlessly with leading ERP and accounting systems to automate invoice processing, approvals, and payments. Traild intelligently triages AP workloads by auto-approving low-risk invoices while routing high-risk invoices to relevant approvers for digital review. The platform is built with fraud prevention at its core, using AI-driven risk detection to identify errors, duplicates, and suspicious activity before payments are made. Real-time visibility gives finance leaders complete control over invoices, approvals and payments. Traild supports complex, industry-specific workflows across sectors like manufacturing, construction, distribution, healthcare, and energy. By reducing manual AP effort and improving accuracy, Traild enables finance teams to focus on strategic decision-making instead of paperwork. 6 Ratings Visit Website Monk Monk is an AI-native accounts receivable platform that automates invoice to cash for B2B finance teams: invoicing, AP portal submission, collections and cash application, on top of your existing ERP. Across the $2B+ in receivables Monk manages, 92% of enterprise invoices have to be submitted through a corporate AP portal rather than paid from an emailed invoice. Monk submits into more than 600 of them, including Coupa, Ariba and SAP Business Network, and uploads 87% autonomously. Julia, the Monk agent for Intelligent Collections, reads customer replies and responds to what was written rather than advancing a fixed dunning sequence. 90% of invoices resolve without escalation. Email sends from your own mailbox via Gmail or Microsoft 365, so there is no new sending domain. Payments match to open invoices at 80%, rising to 95% with rules your team configures. Connects to QuickBooks, NetSuite and Dynamics 365 Business Central. Live in one to three days. SOC 2 Type II. 8 Ratings Visit Website North One Business banking made for America. Business builders asked for better banking. So we built North One. Open an account in minutes. Building your business, creating jobs and serving your community is what you do. It’s hard work. North One makes the hardest parts of running your business easy. Focus on the road ahead, we’ve got your back. North One is proudly built for small businesses, startups and freelancers across America. Make payments easily, keep tabs on your money and put your finances on autopilot through smart integrations with the tools you’re already using. North One was built to make managing money easy so you can focus on running your business. No more branches. No more lines. No more paperwork. Get complete access to your North One Account from your phone or computer, wherever your business takes you. Create Envelopes for taxes, payroll, rent, and anything else automatically. 5,042 Ratings Visit Website FISPAN FISPAN partners with your bank to deliver embedded, automated ERP banking solutions for accounts payable, accounts receivable, bank feeds, and cash management. Eliminate error-prone manual processes and embrace secure, seamless ERP-to-bank connectivity. Integrate your banking directly into leading ERP and accounting platforms, including NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, Workday, QuickBooks, and Xero. Streamline AP workflows, initiate vendor payments, manage expense reimbursements, automate cash application, and send detailed remittance advice emails, all without leaving your system of record. Access near real-time account balances and transactions across entities, initiate book transfers, and automate reconciliation with secure API connections. No file uploads. No bank statement formatting. Just reliable, scalable embedded ERP banking powered by FISPAN. 5 Ratings Visit Website Sage Intacct Sage Intacct is a premier cloud-based financial management software designed for growing businesses. It offers comprehensive features including core financials, accounts payable and receivable, cash management, and multi-entity consolidations. Sage Intacct's advanced modules cater to complex financial needs, ensuring scalability as your business grows. The software integrates seamlessly with other business applications, providing real-time financial and operational insights. Its user-friendly interface and customizable dashboards empower your team to adapt quickly and make data-driven decisions. Sage Intacct's robust reporting capabilities and automation of key financial processes help improve accuracy, efficiency, and compliance. Trusted by thousands of organizations, Sage Intacct streamlines financial operations, enhances visibility, and drives business growth. With award-winning customer support and continuous innovation, Sage Intacct is your partner. 8,791 Ratings Visit Website Gravity Software 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. 45 Ratings Visit Website EBizCharge EBizCharge is the leading embedded payments application for businesses to accept payments directly inside QuickBooks, Microsoft Dynamics, NetSuite, SAP, Acumatica, and 100+ other business systems. Trusted by 20,000 companies and voted best fintech solution by the Globee® Awards, EBizCharge combines modern billing tools with integrated payment processing to help B2B companies get invoices paid faster, eliminate manual work, and keep payment data automatically synced to their ERP. Companies use EBizCharge to: ◉ Accept credit card, debit card, and ACH payments natively in their ERP, CRM, or shopping cart ◉ Automate billing and reconciliation to save time and reduce errors ◉ Speed up collections with easy billing tools: payment links, online customer portal, recurring billing, saved cards, and more ◉ Reduce risk with enterprise-grade security certified by the PCI-Security Council: PCI-compliance, encryption, and tokenization 208 Ratings Visit Website Xero Save 80% for 4 months on Xero's award-winning accounting and online bookkeeping platform for businesses of all sizes and stages of growth. Beautifully simple, Xero covers a wide range of features that help businesses manage their finances effortlessly, including invoicing, inventory, bank connections, payroll, reporting and more. Xero also offers users free online support 24/7. Xero offers a robust ecosystem of connected apps and integrations with banks and financial institutions, enabling small businesses to access a wide range of solutions within Xero's open platform to streamline operations and manage finances. Additionally, accounting and bookkeeping firms benefit from efficient compliance tools, advanced practice management software, and a cloud-based unified accounting ledger for all clients, centralized in one place. 6,132 Ratings Visit Website Order.co Order.co is an AI-powered procurement and payments platform that connects purchasing, approvals, payments, and reporting in one intelligent system so teams can place orders faster, cut manual work, and keep operations running smoothly. Order.co's suite of AI tools automates purchasing decisions, sources products at the best price, and flags risks before they impact your business. Trusted by brands like Dolce & Gabbana, WeWork, [solidcore], and Hugo Boss, Order.co helps hundreds of businesses reduce costs, gain tighter spend control, and free up teams to focus on higher-value work. Founded in 2016 and headquartered in New York City, Order.co has raised $70M in funding from industry-leading investors like MIT, Stage 2 Capital, Rally Ventures, 645 Ventures, and more. 228 Ratings Visit Website
About 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 and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.	About ipaymy is a digital payments platform that enables individuals, small businesses, and enterprises to pay or collect invoices, rent, salaries, taxes, and other expenses using credit cards, even when their recipients do not accept cards. Users simply enter the recipient and payment amount, schedule one-time or recurring payments, and the platform charges the card while ensuring the recipient receives a bank transfer. By enabling card usage in traditionally non-card-accepting workflows, ipaymy helps extend cash-flow flexibility, unlock working capital, and maximize rewards or miles from card spending. The system supports over 70 currencies and 130+ countries and integrates features like automated scheduling, supplier onboarding, and cross-border payments at competitive rates. Businesses can leverage the platform to streamline accounts payable workflows, use commercial cards for non-card-accepting suppliers, and reduce manual processing and reconciliation time.
Platforms Supported Windows Supported Mac Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Freelancers, Small Businesses, Startups, Modern Businesses	Audience Businesses and individuals requiring a solution to pay expenses or collect payments to improve cash flow, earn rewards and simplify payment workflows
Support Phone Support Not Supported 24/7 Live Support Supported Online Supported	Support Phone Support Not Supported 24/7 Live Support Supported Online Supported
API Offers API Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing $0 Pay By Credit & Payroll funding by credit card services requires no subscription. General subscription packages for check printing, ACH, Wire transfer, etc start at a $30 Pay As You Go plan. Free Version Not Supported Free Trial Supported	Pricing No information available. Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 4.9 / 5 ease 4.9 / 5 features 4.8 / 5 design 4.8 / 5 support 4.8 / 5 Read all reviews	Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software
Pros & Cons from Real Users Pros I liked how the platform works.....real smooth..i think everyone who enjoys this will be pleased just like i was What did I like about Zil? I think the better question is "What DO I like about Zil?" I'm still with Zil, not to be confused with that other guy - Zelle. There are several things I like about Zil . For starters, Zil is very practical and being so makes it a self-learning wizard ready to casts its spell on any user giving it a try. Honestly I love the payment link the most. You're not gonna find many apps that allow you to send a third party a payment link and let them choose their own method of payment. Zil is unrivaled in this compartment. I recommend Zil to all my colleagues and friends alike. For all you reading this don't think twice about signing up for Zil (or OCW) - you won't regret it. I like that the payments are fast processed and the services are free also the app is very easy to navigate Fast, easy, efficient, I was able to complete what I needed and receive/send funds w no hassle and no fees Easy to use Easy to understand No complex setup. User friendly. Zil is simply the simple. Amazing product!! Cons There were no cons everything ran real smooth and very exciting... The only thing I didn't like was a waiting time idk if it's my Internet or yalls platform What don't I like about Zil? Well there's not much I don't like . To be honest the verification process is kinda frustrating if you ask me. So here I am just gliding through the app and I'm this this can't be real - a throwback from the good ol days when you didn't have to give your DNA or give blood just to verify yourself. Lol. But seriously, the verification steps are irritating because there is usually a grace period you have to wait for approval . Why ? I know who I am right ? The app should trust the client like the client trust the app. Of course there are fraudsters out there but there always have been and always will be . But everyone dont like scanning their personal info when it's just the same to upload it or type it in . I guess this is the worse aspect of the app if I had to say . The signup process was a bit difficult and there's limitations on the amount of funds that can be transferred No complaints, everything about this platform is legit I do not think there is any Drawback of this product. simply Great!
Training Documentation Supported Webinars Supported Live Online Supported In Person Supported	Training Documentation Supported Webinars Not Supported Live Online Supported In Person Not Supported
Company Information Zil Money Founded: 2012 United States zilmoney.com	Company Information ipaymy Founded: 2016 Singapore www.ipaymy.com
Alternatives PairSoft	Alternatives CardUp
Plooto	Plastiq
Deluxe Payment Exchange (DPX) Deluxe	Worldpay FIS
Melio	UQPAY
Centime View All	EBizCharge View All
Categories Accounts Payable Supported Accounts Receivable Supported AP Automation Supported Automated Invoice Processing Supported B2B Payment Supported Business Bank Accounts Supported Check Printing Supported Online Banking Supported	Categories B2B Payment Supported
Show More Features Accounts Payable Features Approval Process Control Supported Bank Reconciliation Supported Cash Management Supported Check Writing Supported Duplicate Payment Alert Not Supported Fraud Detection Supported General Ledger Entry Not Supported Vendor Management Supported Accounts Receivable Features ACH Payment Processing Supported Billing & Invoicing Supported Check Processing Supported Collections Management Supported Online Payment Processing Supported Overpayment Processing Supported Partial Payments Supported Receivables Ledger Supported Recurring Billing Supported Business Bank Accounts Features Bank Wires Supported Bill Pay Supported Billing & Invoicing Supported Business Credit Cards Supported Checking Account Supported Checks Supported Expense Management Supported Instant Payouts Supported No Fee Payments Supported Rewards Not Supported Savings Account Supported Spend Management Supported
Integrations BitPay Supported FreeAgent CRM Supported FreshBooks Supported Gusto Supported Microsoft Dynamics 365 Supported NetSuite Supported QuickBooks Desktop Pro Supported QuickBooks Online Supported QuickBooks Payroll Supported Sage Accounting Supported Salesforce Supported Wave Accounting Supported Xero Supported Zapier Supported Zoho Analytics Supported Zoho Books Supported Show More Integrations View All 16 Integrations	Integrations BitPay Not Supported FreeAgent CRM Not Supported FreshBooks Not Supported Gusto Not Supported Microsoft Dynamics 365 Not Supported NetSuite Not Supported QuickBooks Desktop Pro Not Supported QuickBooks Online Not Supported QuickBooks Payroll Not Supported Sage Accounting Not Supported Salesforce Not Supported Wave Accounting Not Supported Xero Not Supported Zapier Not Supported Zoho Analytics Not Supported Zoho Books Not Supported Show More Integrations
Claim Zil Money and update features and information Claim Zil Money and update features and information	Claim ipaymy and update features and information Claim ipaymy and update features and information