Zil.US offers a cloud‑based SaaS platform that lets U.S. businesses send and receive payments via ACH, domestic wire transfers, and virtual or gift cards through a unified API. The service removes account opening, maintenance, and minimum‑balance fees, provides real‑time transaction processing with built‑in fraud controls, and includes a web dashboard for managing payroll, vendor payouts, and expense reconciliation.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often face high fees, complex onboarding, and delayed settlement when processing ACH, wire transfers, and other electronic payments, especially when using traditional banking services that require minimum deposits and maintenance charges. These friction points hinder cash flow efficiency and increase administrative overhead for small and medium-sized enterprises.
Solution
Zil.US provides a cloud‑based SaaS payment platform that enables companies to send and receive funds via ACH, wire transfers, and gift or virtual cards through a unified API. The service eliminates account opening fees, maintenance fees, and minimum deposit requirements, allowing users to start transacting immediately. Payments are processed in real time with low transaction costs, and the platform includes built‑in risk controls to reduce fraud and settlement risk. Users can manage all payment activities from a single dashboard, automating payroll, vendor payouts, and expense tracking. Integration is achieved via RESTful APIs and SDKs, enabling developers to embed payment functionality directly into their applications or workflows.
Target Audience
Primary customers are U.S. small and medium‑size businesses, startups, and finance teams in sectors such as e‑commerce, education, and professional services that need low‑cost, automated payment processing.
Features
- API‑first architecture supporting ACH, domestic wire, and virtual/gift card issuance
- Zero account opening, maintenance, or minimum‑balance fees for instant onboarding
- Real‑time transaction monitoring and built‑in fraud detection controls
- Centralized web dashboard for managing payouts, payroll, and expense reconciliation
- SDKs and documentation for quick integration into web, mobile, and ERP systems
- Support for multi‑user access and role‑based permissions to streamline finance team workflows