Folio Pay vs. Zil Money:
Which Is Right for You?

The Decision

Choosing the right payment software for your hotel depends on your specific operational needs, budget, and integration requirements. Folio Pay by Folio and Zil Money both aim to streamline payments, but their approaches, features, and market presence differ significantly. Folio Pay, with only 3 recent reviews, has a very limited user base but offers a modern, integrated platform focused on accounts payable automation. Zil Money, with 54 reviews, provides a broader set of features, including multiple payment options and extensive third-party integrations.

Your team must consider whether you prioritize a single, modern platform or a more feature-rich, flexible solution. Which one better fits your hotel's size, complexity, and strategic goals?

Is Folio Pay or Zil Money Better for Hotels?

Folio Pay is designed specifically for hospitality, integrating procurement and accounts payable processes into a unified platform. It emphasizes automated rebates, real-time visibility, and control over supplier payments, benefiting hotels seeking to optimize vendor relations and cash flow management. Zil Money, on the other hand, offers a wide array of payment options, including international payments, virtual cards, and contactless methods, making it more suitable for hotels with diverse payment needs or multiple entities.

Folio Pay’s limited review count (3 reviews) and recent reviews make it difficult to gauge widespread satisfaction, while Zil Money’s larger, more recent review base suggests more reliable user feedback. Do you need a specialized hotel payment solution or a versatile financial management platform?

Edge: Zil Money

Folio Pay vs Zil Money: Which Should Your Hotel Choose?

If your hotel needs a streamlined accounts payable system that integrates procurement and offers rebates to improve cash flow, go with Folio Pay. Its core strengths lie in supplier management, automated payments, and visibility, making it ideal for larger hotels or chains prioritizing operational efficiency.

If, however, your hotel requires a broad set of payment functionalities—such as international payments, virtual cards, or multi-currency support—and values extensive third-party integrations, Zil Money is the better choice. Its flexibility and comprehensive features appeal to hotels with complex financial workflows or multiple locations.

In summary, choose Folio Pay if operational automation and procurement integration are your top priorities; opt for Zil Money if payment versatility and extensive customization matter more.

Edge: Zil Money

Is Folio Pay or Zil Money Easier to Use?

Folio Pay scores a perfect 5/5 for ease of use, with users praising its intuitive interface and straightforward payment workflows. Onboarding appears smooth, and the limited reviews suggest users find the platform easy to adopt, although navigation improvements could help.

Zil Money, with a 4.5/5 rating, also emphasizes user-friendliness. Its platform is praised for clarity, though some reviewers note minor setup complexities, possibly due to its broader feature set. Both are accessible, but Folio Pay’s smaller scope might make adoption slightly quicker.

Edge: Folio Pay

Which Has Better Features: Folio Pay or Zil Money?

Folio Pay offers no exclusive features beyond its core accounts payable automation and rebate management. Its focus on supplier payments, virtual accounts, and invoice matching provides streamlined control but lacks the breadth of other payment options.

Zil Money boasts 15 unique features, including pay-by-link, contactless payments, multiple international payment methods, virtual cards, and payment splitting. These capabilities enable your hotel to handle a wide variety of transactions and currencies, offering greater flexibility.

For feature depth and diversity, Zil Money has the edge.

Edge: Zil Money

Which Has Better Customer Support: Folio Pay or Zil Money?

Folio Pay’s support ratings are perfect at 5/5, with all three recent reviews describing their onboarding and support as excellent. Users emphasize quick, helpful responses and smooth integration, making it suitable for hotels that prioritize reliable support.

Zil Money scores 4.5/5, with many users appreciating support but some citing slower response times. While generally positive, its support may not match the immediacy or focus of Folio Pay’s team.

Edge: Folio Pay

Which Has More Integrations: Folio Pay or Zil Money?

Neither Folio Pay nor Zil Money currently boasts verified integrations, with zero partners listed for both. Zil Money’s API availability suggests the potential for custom integrations, but its current ecosystem remains limited.

Given the lack of verified third-party integrations, neither holds a clear advantage. However, Zil Money’s broader feature set may require more extensive integrations in the future to maximize value.

Edge: Draw

Which Do Hoteliers Rate Higher: Folio Pay or Zil Money?

Folio Pay has only 3 reviews, all recent, with a perfect likelihood to recommend (100%), but the small sample size limits confidence. Its users praise its simplicity and effectiveness, especially for procurement.

Zil Money, with 54 reviews, has a high overall rating (average 62.92 on the HT Score), and 87% of users would recommend it. Hotel segments such as luxury hotels and branded properties rate it positively for flexibility and ease of use.

Given the larger, more recent review base, Zil Money’s user satisfaction is more reliably established.

Edge: Zil Money

How Much Do Folio Pay and Zil Money Cost?

Folio Pay does not publicly list pricing, which suggests a tailored quote approach, typical for enterprise solutions. Zil Money charges a flat fee of $400, with no mention of additional charges, but its pricing may vary depending on features or usage.

Your hotel should contact Folio Pay for a custom quote, while Zil Money’s transparent $400 fee provides clarity, especially for smaller or budget-conscious hotels.

What Type of Hotel Should Use Folio Pay?

• Hotels that prioritize procurement automation and supplier payment control.
• Teams seeking to reduce manual effort and improve visibility over payables.
• Properties aiming to earn rebates on eligible transactions to improve cash flow.
• Larger hotels or chains with complex accounts payable workflows.
• Hotels that prefer a cloud-native, integrated platform.

Not ideal if your hotel needs broad payment options, international currencies, or extensive third-party integrations. Small boutique hotels or those with diverse payment needs might find Folio Pay too narrow.

What Type of Hotel Should Use Zil Money?

• Hotels that handle multiple currencies and international payments.
• Teams that need diverse payment options, including virtual cards, ACH, wire, and contactless.
• Properties managing multiple entities or locations requiring consolidated financial operations.
• Hotels seeking extensive third-party software integrations.
• Hotels that want a flexible, customizable payment management platform.

Not ideal if your hotel prefers a simple, single-purpose accounts payable solution or has minimal need for international or varied payment options. Hotels with basic payment workflows might find Zil Money overly complex.

Zil Money vs Folio Pay: The Bottom Line for Hotels

Folio Pay centers around automating supplier payments, offering vendor rebates, and controlling accounts payable processes. It’s a focused, modern platform best suited for larger hotels or chains that want integrated procurement and payables.

Zil Money provides a broad array of payment features, including international options and virtual cards, with extensive third-party support. Its flexibility makes it ideal for hotels with complex financial workflows and multi-location operations.

For operational automation, especially procurement, Folio Pay is the clear choice. For versatile payment needs and international capabilities, Zil Money is more suitable.

In conclusion, if your hotel values tight integration, rebate opportunities, and streamlined supplier payments, go with Folio Pay. If you need a comprehensive, flexible platform with extensive payment methods and international support, Zil Money is the better fit.

Edge: Zil Money