Checkout.com vs. Zil Money:
Which Is Right for You?

The Decision

Choosing between Checkout.com and Zil Money hinges on your hotel’s specific needs for payment processing and financial management. Both products aim to facilitate online transactions, but they target different operational challenges. Checkout.com is a global payment platform primarily designed for online payment acceptance and fraud prevention, whereas Zil Money offers a broader financial management suite focusing on invoicing, expense tracking, and diverse payment options.

Your team must evaluate whether the priority is secure, scalable online payments or comprehensive financial workflows. Do you need a robust payment gateway with international reach, or a platform that simplifies internal financial operations? Let’s compare both products across key areas.

Is Checkout.com or Zil Money Better for Hotels?

Checkout.com is a payment processor with a long-standing reputation in global markets, emphasizing transaction security, fraud detection, and integrations with e-commerce platforms. Its strengths include managing online payments securely across multiple countries with extensive fraud prevention tools. However, it lacks detailed review data, with a perfect rating of 0/5 and no recent reviews, indicating limited user feedback—raising questions about real-world performance.

In contrast, Zil Money, with a review count of 54 and recent feedback, scores 62.92 on the hoteltechreport (HTR) scale, with a 4.5/5 ease of use and customer support ratings. It offers a suite of financial features, including invoice management, international payments, ACH transfers, and virtual cards, tailored to streamline financial workflows. Its recent reviews highlight its user-friendliness and reliability, but some users desire more advanced reporting.

Given the data, Zil Money’s proven user satisfaction and recent experience make it a more transparent choice, especially for hotels seeking internal financial management rather than solely online payment acceptance. Which approach aligns with your current operational focus?

Zil Money vs Checkout.com: Which Should Your Hotel Choose?

If your hotel needs a straightforward, globally accepted payments platform to handle online transactions securely, Checkout.com might seem appealing. Its focus on fraud prevention and global payment options suits hotels with an online booking focus or those integrating e-commerce systems.

However, if your hotel values detailed financial workflows, invoicing, and multiple payment methods—like ACH, wire, virtual cards, and international payments—Zil Money offers a more comprehensive feature set. Its user reviews demonstrate high satisfaction with ease of use and customer support, making it ideal for hotels managing diverse financial operations. Select Zil Money if your goal is to improve internal financial efficiency; choose Checkout.com if online payment security and fraud prevention are your primary concerns.

Is Checkout.com or Zil Money Easier to Use?

Based on available ratings, Zil Money’s ease of use scores 4.5/5, with recent reviews praising its intuitive interface and straightforward setup. Users appreciate how quickly they can onboard and manage transactions, with many citing ease of integration with existing financial workflows.

Checkout.com, however, scores 0/5 in ease of use, and there are no recent reviews to gauge user satisfaction. Its complex enterprise-level features may require significant technical support, making it less suitable for hotels seeking a simple onboarding experience.

Edge: Zil Money.

Which Has Better Features: Checkout.com or Zil Money?

Checkout.com offers no unique features beyond its core online payment processing, with zero added functionalities listed. Its strength lies in its security, fraud detection, and regional payment acceptance, but it lacks specialized hotel-centric features.

Zil Money, on the other hand, boasts 15 distinct features tailored to financial management, including pay-by-link, recurring payments, multi-currency settlements, gratuity functions, partial captures, and acceptance of multiple payment methods like Apple Pay, Google Pay, PayPal, American Express, and Visa. These features support broader hotel financial operations beyond simple payment acceptance.

Edge: Zil Money.

Which Has Better Customer Support: Checkout.com or Zil Money?

Support ratings clearly favor Zil Money, with a 4.5/5 score based on recent reviews praising its responsive customer service. Users describe its support as prompt and helpful, which is critical when managing complex financial workflows.

Checkout.com scores 0/5, with no recent feedback available, making it impossible to evaluate support quality. Its lack of recent reviews suggests limited user engagement or unresolved issues.

Edge: Zil Money.

Which Has More Integrations: Checkout.com or Zil Money?

Checkout.com has no verified integrations listed, indicating a possible lack of third-party partner connections. This could limit its ability to connect with hotel property management systems or booking engines.

Zil Money, however, doesn’t list verified partner integrations either, but its API availability and numerous features suggest a flexible platform capable of integrating with various accounting and financial tools. Its support for multiple payment methods and international transactions enhances its compatibility with diverse hotel operations.

Edge: Zil Money.

Which Do Hoteliers Rate Higher: Checkout.com or Zil Money?

Since Checkout.com has no recent reviews or ratings, it cannot be compared directly in this regard. Conversely, Zil Money’s recent reviews show a high satisfaction rating—about 87% likelihood to recommend—especially among hotels that prioritize ease of use and comprehensive financial features.

Hotels in diverse segments like luxury, boutique, and extended stay appreciate Zil Money’s straightforward platform. Its recent reviews highlight reliability and simplicity, making it a clear favorite among active hotel customers.

Edge: Zil Money.

How Much Do Checkout.com and Zil Money Cost?

Checkout.com does not publicly disclose pricing, and it offers no freemium or trial options, suggesting custom quotes based on transaction volume. This lack of transparent pricing complicates initial budget assessments.

Zil Money charges a flat $400 setup fee, with no mentions of monthly or per-room fees. Its 15-day free trial allows hotels to evaluate features before committing, providing better transparency for budgeting.

In summary, Zil Money presents clearer, more predictable pricing, while Checkout.com’s costs are bespoke and opaque.

What Type of Hotel Should Use Checkout.com?

• Hotels with a strong online booking presence that need to accept global payments securely.
• Teams focused on offering a seamless, secure checkout process for international guests.
• Hotels prioritizing fraud prevention and compliance in online transactions.
• Operations that require multi-region payment acceptance without extensive internal financial workflows.

Not ideal if your hotel seeks integrated invoicing, expense management, or diversified payment options beyond basic card processing.

What Type of Hotel Should Use Zil Money?

• Hotels seeking a comprehensive financial management platform, including invoicing, expense tracking, and multiple payment methods.
• Teams that want to streamline internal payments, payroll, and cash flow management.
• Hotels with multiple entities or complex financial structures needing centralized control.
• Hotels wanting to accept ACH, wire transfers, virtual cards, and international payments with ease.

Not ideal if your primary focus is online payment security and fraud prevention at the transaction level, or if you require a dedicated e-commerce gateway.

Zil Money vs Checkout.com: The Bottom Line for Hotels

The core difference: Checkout.com excels at secure, scalable online payment acceptance but offers limited review data and no recent feedback, signaling potential uncertainty for hotel use. Zil Money provides a broad suite of financial tools with high user satisfaction, making it more suitable for hotels managing complex internal financial workflows.

If your hotel’s priority is reliable, easy-to-use financial management with diverse payment options, Zil Money’s recent reviews and feature set make it the better choice. It’s especially compelling if you value transparency and ongoing customer support.

Conversely, if your focus is on secure online payments and fraud prevention for digital transactions, and you can manage without extensive internal workflows, Checkout.com might be appropriate—though the lack of recent reviews warrants caution.

In conclusion, for hotels seeking a trusted, recent, and well-reviewed financial management platform, Zil Money is the stronger option. For those needing a global online payment gateway with advanced fraud tools and less emphasis on internal workflows, Checkout.com could suffice, but proceed with caution given limited recent feedback.