Heartland Payments vs. Zil Money:
Which Is Right for You?

The Decision

Choosing between Heartland Payments by Heartland and Zil Money hinges on your hotel’s specific needs for payment processing and financial management. Heartland Payments has a long-standing presence with a broad focus on secure, reliable payment services, primarily serving US-based clients. Zil Money, by contrast, is a newer platform with a global reach and a focus on streamlining invoicing, expense tracking, and automated payments.

While Heartland boasts a large user base and extensive integrations, its reviews are nonexistent, making it difficult to assess real-world performance. Zil Money, with 54 recent reviews and a high Net Promoter Score (8.57/5), provides more recent data to inform your decision. Which platform better aligns with your hotel’s operational priorities?

Is Heartland Payments or Zil Money Better for Hotels?

Heartland Payments aims to provide comprehensive payment processing solutions, including credit card acceptance, mobile payments, and online transactions. However, it has no reviews or ratings, indicating a lack of recent user feedback or demonstrated hotel-specific success.

Zil Money, on the other hand, has 54 reviews, all within the last six months, showing active user engagement and recent performance data. It offers a suite of features tailored to financial management, such as invoicing, expense tracking, and automated payments, along with solid UX ratings (4.5/5). Given the absence of recent feedback for Heartland, Zil Money's current standing as a user-rated platform makes it the clearer choice.

Are you looking for a well-established, proven payment processor or a newer platform with detailed recent reviews?

Zil Money vs Heartland Payments: Which Should Your Hotel Choose?

If your hotel needs a payment processor that integrates various online and mobile payment options, Heartland might seem appealing. Yet, the lack of recent reviews and user ratings suggests uncertain performance in the hotel industry.

Conversely, Zil Money is better suited if your team values a flexible financial platform with multiple payment methods, invoicing, and expense management features. It supports international payments, virtual cards, ACH, wire transfers, and printable checks—features that can streamline your financial workflows.

Hotels prioritizing verified, recent user feedback should lean toward Zil Money due to its 54 reviews and high NPS score, indicating strong satisfaction among users. Which platform aligns more with your operational complexity and growth plans?

Is Heartland Payments or Zil Money Easier to Use?

Heartland’s usability is difficult to evaluate because it has no reviews or user ratings, leaving its interface and onboarding experience unverified in your industry context. Its lack of recent feedback suggests limited recent user adoption or feedback.

Zil Money, with a 4.5/5 ease of use rating based on 54 reviews, receives consistent praise for its intuitive interface and straightforward invoicing and payment features. Users highlight quick onboarding and simple management of multiple accounts, making it especially suitable for hotels seeking minimal disruption.

Edge: Zil Money.

Which Has Better Features: Heartland Payments or Zil Money?

Heartland offers core payment processing features, but it has no listed or verified unique functionalities beyond basic credit card acceptance, online payments, and mobile transactions. Its feature set appears minimal and unverified in recent hotel-specific contexts.

Zil Money distinguishes itself with 15 features unique to its platform, including pay-by-link, recurring payments, multi-currency settlements, contactless payments, and payment splitting. It also supports Apple Pay, Google Pay, PayPal, American Express, Visa, and Mastercard, broadening payment options for guests.

Edge: Zil Money.

Which Has Better Customer Support: Heartland Payments or Zil Money?

Heartland’s customer support and onboarding ratings are both 0/5, with no recent reviews to gauge responsiveness or satisfaction. This lack of user feedback raises concerns about support reliability in real hotel scenarios.

Zil Money’s support ratings, at 4.5/5, reflect strong positive feedback, with users noting reliable service and helpful onboarding. Some reviews mention room for quicker response times but overall acknowledge solid support.

Edge: Zil Money.

Which Has More Integrations: Heartland Payments or Zil Money?

Heartland has a verified partnership with Actabl, but only one integration listed, indicating limited connectivity with hotel-specific systems. Its overall integration ecosystem appears sparse, which could restrict operational automation.

Zil Money offers no verified third-party integrations, which might limit its flexibility for hotels relying on other property management or financial software. However, its API capabilities provide potential for custom integrations if your team has technical resources.

Edge: Heartland, with one verified partner—though overall, Zil Money's potential for future integrations is promising.

Which Do Hoteliers Rate Higher: Heartland Payments or Zil Money?

Given Heartland’s zero reviews, it cannot be rated by hotel users now, leaving no current data on hotel satisfaction or performance.

Zil Money’s 54 recent reviews, with an 8.57/5 NPS score, indicate high satisfaction among users. Hotels across various segments, including luxury, boutique, and budget properties, appreciate its user-friendly platform and comprehensive financial tools.

Edge: Zil Money.

How Much Do Heartland Payments and Zil Money Cost?

Heartland offers no publicly listed pricing, which is common among enterprise payment providers—they typically tailor quotes based on volume and needs.

Zil Money charges a $400 base price, with no free tier or monthly per-room fee, and offers a 15-day free trial. Its transparent pricing model is suitable for hotels seeking predictable costs for financial management.

What Type of Hotel Should Use Heartland Payments?

• Hotels that prioritize a well-established, US-based payment provider with a broad customer support infrastructure.
• Teams that require secure, reliable credit card processing and mobile payment acceptance.
• Hotels seeking integration with legacy POS systems—assuming compatibility.
• Not ideal if your hotel relies heavily on international payments, invoicing, or automation beyond basic processing.

What Type of Hotel Should Use Zil Money?

• Hotels that need a flexible, multi-faceted financial management platform with invoicing, expense tracking, and automated payments.
• Teams that operate across multiple countries and require multi-currency settlements.
• Hotels seeking a cost-effective solution with transparent pricing and API access.
• Not ideal if your hotel requires extensive third-party integrations, advanced analytics, or dedicated hotel industry support.

Zil Money vs Heartland Payments: The Bottom Line for Hotels

The core difference is that Heartland is a traditional payment processor with no recent hotel-specific reviews, which limits confidence in its current hotel industry performance. Zil Money, with active user feedback and a higher overall score, offers a broader feature set tailored to modern financial workflows.

If your hotel needs a proven, user-rated platform with multiple payment options, invoicing, and expense management, Zil Money should be your choice. Its recent reviews and high satisfaction scores demonstrate strong hotel industry relevance.

However, if your priority is a long-established, secure payment processor with extensive US support, and you can verify compatibility and support needs, Heartland might still be viable. Given the lack of recent data, though, Zil Money currently presents a more confident choice for hotels seeking active, recent user validation.