Sertifi by Flywire (Payments) vs. Zil Money:
Which Is Right for You?

Is Sertifi by Flywire or Zil Money Better for Hotels?

Sertifi by Flywire and Zil Money both provide payment processing solutions designed to handle hospitality transactions securely, but they diverge sharply in focus and scale. Sertifi by Flywire emphasizes integrated payment capture paired with electronic signatures, streamlining deposit collection and contract management across multiple hotel segments worldwide. Zil Money concentrates on broader financial operations, including payroll by credit card and multi-channel money movement, targeting businesses that need comprehensive online financial management beyond just payments.

Both platforms address the core hotel need to process payments securely and efficiently, but Sertifi by Flywire specializes in reducing administrative friction in guest deposits with PCI-compliant credit card processing integrated into hotel workflows. Zil Money offers flexibility in paying vendors and employees, supporting various payment types such as ACH, wire transfers, and virtual cards, which suits hotels managing complex financial operations internally.

Sertifi by Flywire vs Zil Money: Which Should Your Hotel Choose?

If your property relies heavily on front-desk revenue capture, needs fast, PCI-compliant credit card processing, and values integrated eSignature agreements, choose Sertifi by Flywire. Its 131 reviews and 4.7/5 rating, particularly strong among branded and boutique hotels (4.7 to 4.8/5), demonstrate proven operational impact in luxury and city center properties. Its seven verified integrations with major hospitality platforms like Oracle Hospitality and Amadeus reduce manual entries, critical for multi-property or enterprise setups.

If your hotel requires broader financial management beyond guest payments—including payroll by credit card, expense tracking, and support for multiple payment methods like Apple Pay and PayPal—Zil Money fits properties with diverse financial workflows, such as vacation rentals and motels. However, its 58 reviews and a 4.4/5 rating, with lower segment scores in casinos (3.1/5) and extended stay apartments (3.8/5), indicate a narrower or less mature hospitality focus. Also, Zil Money’s zero verified hotel integrations and a sharp drop in review activity over the last six months suggest less current validation for hospitality use.

Is Sertifi by Flywire or Zil Money Easier to Use?

Sertifi by Flywire scores 4.8/5 on ease of use and 4.6/5 on onboarding across 131 reviews, versus Zil Money’s 4.5/5 ease of use and 4.2/5 onboarding on 58 reviews. Reviewers of Sertifi highlight how quickly staff learn the system and appreciate the intuitive interface that minimizes training time for front desk and sales teams. One user explained that the platform "gets things done so much faster than the old way of printing, signing, and scanning," which directly speeds up guest check-in and deposit capture workflows.

Zil Money users also find the interface straightforward, noting "processing payments is as simple as the click of a button," but some mention a basic, less engaging UI that could slow staff adoption. The lower onboarding score reflects users’ requests for smoother initial setup and improved customer support responsiveness.

Edge: Sertifi by Flywire.

Which Has Better Features: Sertifi by Flywire or Zil Money?

Sertifi by Flywire offers 14 unique hotel payment features, including PCI compliance, 3-D Secure payments, payment tokenization, and multi-processor gateways integrating with Elavon, TSYS, and Chase. These features enable hotels to securely process credit cards with fraud prevention and reduce chargebacks, directly impacting revenue protection and guest trust. Its integrated eSignature platform eliminates paper agreements, speeding contract finalization for group bookings and events.

Zil Money’s 9 unique features focus on broader transaction types, such as recurring payments, partial capture, gratuity functions, and acceptance of digital wallets like Apple Pay, Google Pay, and PayPal. These enable hotels to manage complex payment scenarios—splitting bills or automating recurring charges—which may benefit properties with varied guest billing needs or multi-entity financial management.

The key operational difference is Sertifi’s focus on secure, compliant credit card processing and contract capture, critical for front desk revenue teams, versus Zil Money’s flexible payment types and financial operations tools that support back-office accounting.

Edge: Sertifi by Flywire.

Which Has Better Customer Support: Sertifi by Flywire or Zil Money?

Sertifi by Flywire holds a 4.6/5 customer support rating and 4.6/5 onboarding score from 131 reviews, compared to Zil Money’s 4.5/5 support and 4.2/5 onboarding from 58 reviews. Sertifi users praise quick issue resolution and responsive support teams, with one remarking on "quick team response to resolve issues," which reduces downtime and operational disruptions at the front desk.

Zil Money customers generally find support helpful but note slower response times and wish for more proactive assistance during setup. This can delay resolving payment glitches or integrating with accounting workflows, impacting finance team productivity.

Edge: Sertifi by Flywire.

Which Has More Integrations: Sertifi by Flywire or Zil Money?

Sertifi by Flywire supports seven verified partners, including Oracle Hospitality, Amadeus, Infor, and Stripe. These connections allow seamless data flow between payment processing and property management or sales systems, reducing manual entry errors and enabling faster cash flow recognition. Hoteliers using platforms like Opera rely on these integrations to automate deposit capture and contract issuance.

Zil Money reports zero verified hotel integrations, limiting its ability to connect with PMS or hospitality-specific platforms. This gap means hotels must manually reconcile payments or rely on less integrated workflows, which can increase errors and administrative burden.

Edge: Sertifi by Flywire.

Which Do Hoteliers Rate Higher: Sertifi by Flywire or Zil Money?

Sertifi by Flywire has a higher overall rating of 4.7/5 across 131 reviews, maintained consistently across segments like boutique hotels (4.8/5 from 38 reviews), branded hotels (4.7/5, 88 reviews), and airport/conference hotels (4.7/5, 52 reviews). Its last six months have no new reviews, but previous steady rating trends suggest stable product satisfaction.

Zil Money holds a 4.4/5 overall from 58 reviews, with lower scores in branded hotels (4.0/5, 26 reviews) and casinos (3.1/5, 4 reviews). Like Sertifi, Zil Money’s review volume has dropped to zero in the last six months from an average of 14.5 every six months prior, indicating its ratings may not reflect current product performance or support.

Edge: Sertifi by Flywire.

How Much Do Sertifi by Flywire and Zil Money Cost?

Sertifi by Flywire charges a base price of $100.00 with no freemium or trial options. It does not have monthly flat fees, per-room pricing, or implementation fees, which suggests costs scale with transaction volume or feature tiers.

Zil Money’s base price is $400.00 per month, also without freemium or trial options and no per-room or flat monthly fees. The higher entry price reflects its broader financial management features but may be cost-prohibitive for smaller properties focused mainly on guest payment capture.

Neither product publishes detailed tiered pricing publicly, so properties should contact vendors to assess total cost relative to feature use.

What Type of Hotel Should Use Sertifi by Flywire?

• Hotels that need integrated eSignature and payment capture to speed contract signing and deposit collection.
• Branded, boutique, and luxury hotels with multi-property management requiring PMS integration (Opera, Oracle Hospitality).
• Teams prioritizing PCI-compliant credit card processing with fraud and chargeback management.
• Properties aiming to reduce administrative overhead at front desk and sales with automated workflows.
• Hotels requiring multi-processor gateway support for flexible credit card handling.

Not ideal if:

• Your property needs advanced payroll or vendor payment solutions beyond guest payments.
• You require diverse digital wallet acceptance beyond Mastercard.
• You need extensive third-party integrations outside hospitality systems.

What Type of Hotel Should Use Zil Money?

• Hotels or hospitality businesses needing comprehensive financial operations, including payroll by credit card and money movement via ACH, wire, and eChecks.
• Properties managing multiple accounts or entities requiring payment splitting and recurring billing.
• Teams that want to accept Apple Pay, Google Pay, and PayPal alongside contactless payments.
• Vacation rentals, motels, or extended stay apartments with broader financial management needs.
• Hotels prioritizing flexible payment types for guests and vendors over integrated PMS workflows.

Not ideal if:

• Your primary need is integrated credit card processing with hospitality PMS systems.
• You require robust PCI compliance and fraud prevention focused on guest payments.
• You need a platform with active, recent customer review validation in the hotel sector.

Sertifi by Flywire vs Zil Money: The Bottom Line for Hotels

Sertifi by Flywire and Zil Money target different operational priorities within hospitality payments. Sertifi excels at streamlining guest deposit collection and electronic agreements with PCI-compliant credit card processing integrated with major PMS and sales platforms. Zil Money offers a broader financial operations suite, including payroll by credit card and multiple payment types, serving hotels managing complex back-office payments.

Choose Sertifi by Flywire if your hotel needs secure, integrated guest payment processing with contract eSignatures, proven by 131 reviews averaging 4.7/5, multiple verified hospitality integrations, and high user satisfaction across luxury, branded, and boutique segments. Its $100 base price and scalable solution fit properties emphasizing front desk revenue workflows.

Choose Zil Money if your hotel requires a cloud platform to manage payroll, vendor payments, and diverse payment methods like Apple Pay and PayPal, despite its higher $400 base price. Although it has fewer reviews (58) and a 4.4/5 rating, it suits properties like vacation rentals and motels needing expansive financial management. Note that Zil Money’s zero verified hotel integrations and a sharp review activity drop mean recent product quality or support may be less certain.

Sertifi by Flywire’s stronger ease of use, support, and features edges make it the better choice for most hotels focused on guest payments. Zil Money suits hotels with broader financial payment needs but lacks recent review validation to fully confirm current service levels.