PayRewards vs. Zil Money: 2026 comparison guide
Zil Money moves your money. PayRewards moves it and pays you back. Earn up to 2 PayRewards Points per $1 whether your vendor gets ACH, wire or check.
- No setup fees
- No monthly or annual subscription fees
- No lock-in
Top 3 reasons to choose PayRewards over Zil Money
A second points balance
Zil Money offers cashback only on qualifying transactions. PayRewards Points land on every card and ACH payment, on top of your card’s own points.
ACH that earns
Pay by bank and still earn PayRewards Points on every dollar.
No wallet to fund
Each payment comes straight from your card or bank. Some Zil Money no-fee services need a $10,000 average wallet balance.
PayRewards vs. Zil Money, feature by feature
Both pay your vendors by card or bank. Only one pays you back on every dollar.
| Feature | PayRewards | Zil Money |
|---|---|---|
| Subscription | FreeEvery user and feature included | Paid plans: custom pricing |
| Rewards and redemptions | ||
| Its own points program | Yes1 or 2 points per $1 | Cashback on qualifying transactions only |
| Keep your card’s own points | Yes | Yes |
| Earn points on ACH payments | Yes | No |
| Redeem points to pay invoices | Yes | No |
| Airline transfer partners | Yes | No |
| Gift cards, 100+ brands | Yes | No |
| Pay by card | ||
| Pay vendors who don’t take cards | Yes | Yes |
| Card service fee | 2.9% | 2.9%Standard; can vary by card and business |
| Cards accepted | Visa, Mastercard, Amex | Visa, Mastercard, Amex, Discover |
| Payables | ||
| How vendors get paid | ACH, wire or check | ACH, wire, check, eCheck or RTP |
| Users | Every user included | Up to 3 on Pay-As-You-Go |
| Fees | ||
| Wallet balance | None needed | $10,000 averageFor some no-fee services |
| Check delivery | $5 | From $1.25 |
| Domestic wire | $16 | $10 to $15Depends on how it’s funded |
| Integrations | ||
| QuickBooks Online | Yes | YesAlso QuickBooks Desktop, Xero and more |
| Security | ||
| PCI DSS compliant | Yes | Yes |
| Multi-factor authentication | YesPlus passkeys | YesTwo-factor authentication |
As of September 29, 2026. Sources: Zil Money pay by credit card, Zil Money fees, Zil Money payment terms, Zil Money vs. BILL plan comparison. PayRewards: PayRewards pricing.
See what your bills could earn on top
Same bills. Same card. See how many more points land with PayRewards.
Your PayRewards tier
Core earns 1 point per $1 with a 1.75% fee. Plus earns 2 points per $1 with a 3.25% fee.
Extra points with PayRewards, first year
240,000
on top of the points your card already earns
Bills paid in a year$120,000
Paying through PayRewards: card points plus PayRewards Points360,000 pts
Assumes your card earns 1 point per $1.
Illustrative only. Not financial or tax advice. Card payments on PayRewards carry a 2.9% service fee. The PayRewards fee applies on top when you earn PayRewards Points.
Where your points go
Pay bills. Earn and transfer points to whatever moves you.
The same money you were spending anyway, now redeemable across travel, your team, and the business itself.
Your card's miles
Keep earning airline miles
Pay bills that don't take cards on the card you carry, and keep earning miles with Delta, United and American.
100+ brands
Buy gift cards from the best brands
Shop Amazon, Apple, Target and hundreds of brands, with every point worth its full face value at checkout.
Luxury redemptions
Experiences money can't buy
Work with our concierge team on whatever you want, then redeem for the experiences that money can't buy.
Instant transfers
Transfer points to employees as a reward
Recognize your team the very moment it matters, sending points to any employee instantly and directly.
Invoice redemptions
Pay an invoice with points
Put your points straight back into the business, applying them against your very next invoice or bill.
Transfer PayRewards Points to our airline and hotel partners
With direct transfers, it's easy to fly on PayRewards Points — including U.S. domestic routes.
“PayRewards solved a lot of things for us - cashflow being number one. Now I can upload all my payments at once and know they’ll be paid in two business days. It’s easier, our Vendors are happy, and we’re unlocking travel rewards we’d never have paid for out of pocket.”
Three steps to your payback
-
Make a payment
Add a bill or import it from QuickBooks Online. Pay by card or ACH. Your vendor gets ACH, wire or check.
-
Boost your points
Pick Core or Plus on each payment. Your card earns its points and PayRewards Points land on top.
-
Redeem
Flights, gift cards, invoices, custom redemptions, or points for your team.
What it costs
The card fee is the same as Zil Money’s, with no wallet to fund. The points are optional on card, and every ACH payment earns them.
See full pricing →Service fee
Card payments
Visa, Mastercard and American Express
2.9%
per transaction
Points tier
Core
Earn rewards at a lower fee rate
1.75%
fee per transaction
1 point per $1
POPULAR
Points tier
Plus
Maximize your rewards earnings
3.25%
fee per transaction
2 points per $1
Card payments can skip points and pay 2.9% only. ACH payments carry no service fee and always earn Core or Plus. Fees as of September 29, 2026.
PayRewards vs. Zil Money: your questions
How do PayRewards fees compare to Zil Money?
Both charge 2.9% on card payments. PayRewards adds an optional Core (1.75%) or Plus (3.25%) rewards fee to earn 1 or 2 points per $1, and ACH-funded payments earn points too. There’s no wallet balance to maintain and no subscription. Check delivery is $5 and domestic wire delivery is $16.
Do I need to keep money in a wallet?
No. Each payment is funded directly from your card or bank account.
Can I still pay vendors by check?
Yes. Your vendor can receive a mailed check for a $5 delivery fee.
Can I pay payroll by card on PayRewards?
No. Payroll is a restricted payment on PayRewards. See the payment rules for the full list.
Does PayRewards sync with QuickBooks Desktop?
No. PayRewards syncs with QuickBooks Online only.
What can I redeem PayRewards Points for?
Transfer to airline partners, pay your next vendor invoice with points, claim from 100+ gift cards, or request a custom redemption, from tech and golf clubs to a Rolex. You can also gift points to your team.
Is PayRewards secure?
PayRewards is PCI DSS compliant, with infrastructure aligned to ISO/IEC 27001 standards. Accounts are protected by MFA and passkeys, card numbers are tokenized and never stored, and suspicious activity is flagged instantly.
Competitor information is based on publicly available sources as of September 29, 2026 and may change. PayRewards Points are earned and redeemed subject to the PayRewards Terms. Card fees may be tax deductible; consult your tax advisor. PayRewards is offered by PayRewards LLC.
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