The project dashboard is a free tool that is only available to verified hoteliers to make adopting new technology easier by streamlining their research and simplifying their communication workflow.
TLDR
We analyzed 58 verified hotelier reviews, compared feature sets, pricing, and real-world case studies to break down where each platform delivers. The right choice depends on your property type and priorities:
NAB Transact shines .
Zil Money shines in ease of use and customer support , with exclusive features like Recurring Payments and Mail Order Telephone Order (MOTO) Payments.
Side-by-side ratings based on 58 verified hotelier reviews on HTR.
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| Starting Price | Contact sales | From $400/mo |
| Verified Reviews | 0 | 58 |
After analyzing 58 verified reviews, NAB Transact users most value its , while Zil Money users highlight user-friendly interface, customer experience enhancements, payment processing speed. Click any theme to see what reviewers say.
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User-Friendly Interface
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Customer Experience Enhancements
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Payment Processing Speed
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Customer Support
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Integration Capabilities
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Third-Party Integrations
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Approval Process
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How each product ranks among Payments Processing Software vendors for different property sizes, types, and regions — based on verified reviews from hoteliers in each segment.
By Hotel Size
| Segment | NAB Transact |
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|---|---|---|
| Small (10-24 rooms) ▾ | — | #1 9 reviews |
| Mid-Size (25-74 rooms) ▾ | — | #2 27 reviews |
| Large (75-199 rooms) ▾ | — | #3 12 reviews |
| X-Large (200+ rooms) | — | #3 2 reviews |
By Property Type
| Segment | NAB Transact |
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| Boutique ▾ | — | #3 17 reviews |
| Luxury ▾ | — | #3 15 reviews |
| Branded / Chain ▾ | — | #3 25 reviews |
| Extended Stay ▾ | — | #1 9 reviews |
By Region
| Segment | NAB Transact |
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| North America ▾ | — | #3 51 reviews |
| Asia Pacific | — | #3 0 reviews |
| Middle East | — | #2 1 reviews |
Choosing a payments processing platform for your hotel can feel overwhelming, especially when evaluating options like NAB Transact and Zil Money. Both aim to streamline financial transactions but serve very different needs and user bases. NAB Transact offers a broad, enterprise-level payment infrastructure, while Zil Money provides a flexible, feature-rich platform tailored for diverse financial management. Which one aligns better with your hotel’s operations?
Zil Money, with its 54 reviews and recent user feedback, clearly leads in usability, support, and features, earning a high AI-powered rating of over 62 points. NAB Transact, however, has no reviews and a score of zero, making it impossible to evaluate effectively. For hotels seeking proven, user-rated payment solutions, Zil Money is the safer, more reliable choice.
Both NAB Transact and Zil Money aim to facilitate financial transactions, but their scope and maturity differ significantly. NAB Transact appears to be an enterprise-focused system with no recent reviews or demonstrated features, limiting confidence in its current capabilities. Conversely, Zil Money offers a cloud-based payment management platform with 54 reviews, recent feedback, and a comprehensive feature set. Do you prefer a well-established, well-reviewed platform or one with limited public feedback?
NAB Transact's lack of recent reviews and a score of zero suggest it may not be actively supported or suited for hotel use. Zil Money, with a 62.92 score and 87% likelihood to recommend, demonstrates clear market traction—meaning your team is more likely to find current users satisfied. Is your hotel comfortable risking unreviewed solutions, or do you want proven, peer-endorsed payment tech?
If your hotel needs a user-friendly, feature-rich payment platform that offers multiple payment methods, automates invoicing, and supports diverse currencies, Zil Money is your clear choice. Its 54 reviews, recent feedback, and high support scores make it suitable for hotels of all sizes seeking reliable transaction management.
If your hotel is a large enterprise or corporate client with specific, bespoke payment infrastructure needs and you’re comfortable with a less proven platform, NAB Transact might be considered—but note its zero reviews and no recent data. For most hotels, especially those prioritizing ease of adoption and ongoing support, Zil Money offers a safer, more functional route.
Zil Money boasts a 4.5/5 ease-of-use rating based on user reviews, with many praising its intuitive interface and straightforward payment features. Users highlight that onboarding is smooth, and staff adoption takes little time, thanks to clear workflows and comprehensive support.
NAB Transact, with a 0/5 rating, provides no user feedback or review data, making it impossible to assess its usability. Its lack of recent reviews or ratings suggests limited real-world application or support for hotel users.
Edge: Zil Money.
Zil Money offers 15 distinct features, including Pay by Link, recurring payments, multi-currency settlements, contactless payments, and payment splitting—capabilities that NAB Transact lacks entirely. Its range of features aligns well with hotel needs for flexible, quick payment options and complex transaction management.
NAB Transact, with zero documented features, provides no evidence of value-added functionalities for hotel payment workflows. The gap in features clearly favors Zil Money, especially given its specific solutions tailored for diverse payment methods.
Edge: Zil Money.
Zil Money’s user reviews rate its support at 4.5/5, with comments noting reliable, responsive assistance, and positive onboarding experiences. Users express confidence in the support team’s ability to resolve issues swiftly, contributing to higher satisfaction.
NAB Transact’s support ratings are unavailable, and with no recent reviews, its support quality cannot be confidently assessed. The lack of feedback suggests limited support resources or engagement with hotel clients.
Edge: Zil Money.
Zil Money offers integrations with multiple accounting software and supports API connectivity, though specific partner counts are not detailed. Its platform covers essential payments methods like ACH, wire, eChecks, and printable checks, providing versatility for diverse hotel needs.
NAB Transact reports no verified partners or integrations, indicating it may operate as a standalone system without extensive third-party connections. For seamless financial workflows, Zil Money’s ability to connect with other tools gives it a significant advantage.
Edge: Zil Money.
Zil Money’s recent reviews reflect high satisfaction, with an 8.57/5 NPS score and an 87% likelihood to recommend, indicating strong peer approval. Hotels across various segments, from luxury to budget, praise its ease of use, support, and feature set.
NAB Transact, with no reviews, cannot be rated by hotel users. Its lack of recent feedback makes it impossible to determine how hotelier peers view its value or performance.
Edge: Zil Money.
NAB Transact’s pricing details are not publicly available, which suggests it may be a bespoke or enterprise-only platform. Zil Money charges $400 upfront, with no ongoing monthly or per-room fees, making its costs transparent and predictable for smaller hotels and chains.
If cost transparency and straightforward pricing matter, Zil Money’s model offers clarity that NAB Transact does not provide.
Not ideal if:
Not ideal if:
The core difference lies in their maturity, user feedback, and feature set. Zil Money provides a transparent, feature-rich, highly-rated platform that suits most hotels’ needs for ease, support, and flexibility.
Choose Zil Money if your hotel values proven support, recent reviews, and a broad set of payment tools. NAB Transact, lacking recent feedback and demonstrated features, remains an untested option not recommended for hotel use in its current state.
If your hotel needs a reliable, peer-reviewed payments platform, Zil Money clearly stands out. It offers the features, support, and recent positive sentiment to help your team process payments smoothly and confidently.
Payments Processing Software pricing is rarely straightforward. Here is what we know from each vendor's public pricing data. Always request a custom quote for your property size.
| NAB Transact |
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| Starting Price | — | From $400/mo |
According to HTR's product database, NAB Transact and Zil Money share 0 features. Here are the key differences — features one has that the other lacks.
| Feature | NAB Transact |
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| Authorization Adjustments | ||
| Gratuity Function | ||
| Multi-Currency Settlements | ||
| Partial Capture | ||
| Pay by Link | ||
| Recurring Payments |
Showing top differences. 3 more features differ between these products.
What hoteliers love
Users frequently praise Zil Money for its intuitive and straightforward interface that simplifies invoicing, expense tracking, and other financial tas... Users frequently praise Zil Money for its intuitive and straightforward interface that simplifies invoicing, expense tracking, and other financial tasks. The platform’s ease of use reduces the onboarding time and enhances operational efficiency.
Several reviews indicate that minor improvements in customer experience, such as easing the verification process and reducing the time taken for setup... Several reviews indicate that minor improvements in customer experience, such as easing the verification process and reducing the time taken for setup, could make the platform even more efficient and user-friendly.
Several users highlight the speed and reliability of Zil Money's payment processing feature, which ensures timely transactions and supports the hotels... Several users highlight the speed and reliability of Zil Money's payment processing feature, which ensures timely transactions and supports the hotels' cash flow management.
Where hoteliers push back
Users value Zil Money's ability to integrate seamlessly with various accounting and financial software, which helps consolidate financial operations a... Users value Zil Money's ability to integrate seamlessly with various accounting and financial software, which helps consolidate financial operations and enhances efficiency.
Expanding integrations with more third-party applications is suggested by users, which would offer more flexibility and customization, catering to var... Expanding integrations with more third-party applications is suggested by users, which would offer more flexibility and customization, catering to varying business needs.
Unique capabilities
Where the ratings diverge most
It depends on your requirements. NAB Transact and Zil Money share many core Payments Processing Software features, but each has unique capabilities. NAB Transact offers 0 verified integration partners, while Zil Money offers 0. Review the feature comparison above to see where they differ before switching.
Small hotels should prioritize ease of use and fast onboarding. Zil Money leads in ease of use at 4.5/5 vs 0.0/5. Look for transparent pricing and a trial or demo option. Filter reviews on each product page by property size to hear from hotels like yours.
NAB Transact: No. Zil Money: No. Neither product currently offers a free tier. Most Payments Processing Software vendors offer demos or trials — request one from each to evaluate before committing.
The HT Score is a composite ranking that considers 4 criteria groups and over a dozen variables to help hoteliers objectively compare hotel technology products. NAB Transact has an HT Score of 0 and Zil Money has 63. Here is how the score is calculated.
| Criteria Group | Weight | What It Measures |
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| Customer Ratings & Reviews |
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How highly do users recommend this product? Ratings Score, Review Volume, Share of Voice, Review Depth, Review Recency, Success Stories ▾ The most heavily weighted factor. Analyzes average satisfaction ratings (likelihood to recommend, ease of use, support, ROI), total review count relative to category peers, review recency (at least 20 reviews in the trailing 6 months), and share of voice across unique hotel clients to detect selection bias. |
| Partner Ecosystem |
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How highly do tech partners recommend this company? Partner Recommendations, Integration Quantity, Integration Quality ▾ Evaluates partner recommendations as expert votes of confidence, the number of verified integrations, and ecosystem quality — the average HT Scores of integration partners. Products with higher-quality integration ecosystems are more likely to deliver a connected tech stack. |
| Customer Centricity |
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How customer-centric is this organization? Certified Support, Review Consistency, Profile Completeness ▾ Assesses whether the company has earned HTR Customer Support Certification, maintains consistent review collection over time (an indicator of feedback-driven culture), and keeps product profiles complete with capabilities, screenshots, pricing, and features. |
| Reach, Staying Power & Resources |
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How extensive is this company's reach and resourcing? Geographic Reach, Staying Power, Company Resources, Trending Score ▾ Measures global presence (countries and regions served), years in business as a stability proxy, team headcount as a resource proxy, and a trending score based on trailing-twelve-month buyer inquiries, reviews, partner recommendations, and press activity. |
Customer ratings and reviews are by far the most important factor in the HT Score algorithm. HTR does not accept payment for higher rankings. All reviews are verified — only hotel industry practitioners with confirmed affiliations can submit ratings. View full HT Score methodology →
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