Payability Mobile vs Zil.US
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payability Mobile
This app offers flexible funding and cash flow solutions for eCommerce marketplace sellers. It allows users to check their available balance, review recent transactions, and transfer funds conveniently from their mobile device.
- Check available balance
- Transfer funds to bank account
- Review seller card transactions
- Track pending transfers
- View pending card transactions
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Payability provides flexible funding and tailored cash flow solutions to eCommerce marketplace sellers. Since our founding in 2015, we’ve helped thousands of marketplace sellers scale their businesses by providing over $2 billion in financing. Introducing the free Payability Mobile app! Use the app to check your Payability available balance, review your recent seller card transactions, and transfers funds - all on your schedule, at your convenience. Simply log in using your Payability account email and password to get started. With the Payability Mobile app you can: Check Your Available Balance • See your Payability account status and available balance. Transfer Funds On The Go • Transfer your available balance to your bank account 24/7, virtually anywhere you have your phone Stay On Top Of It All • Easily track and review your completed Payability Seller Card transactions, pending transfer requests, and pending card transactions all in one place The Payability Visa® Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Payability Card is powered by Marqeta.
Zil.US
This app offers a comprehensive online banking solution for businesses and individuals. It provides features like free checking accounts, early direct deposit, and tools for building credit. Manage your finances with secure, modern banking tools and no hidden fees.
- Free business/personal checking accounts
- Early direct deposit
- Credit builder tool
- Fee-free ACH and wire transfers
- Instant and physical Visa cards
- Card management with custom limits
- Two-factor authentication
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Zil.US is an online banking experience that will meet all your business needs. Open a free business or personal checking account. Free, safe security features, overdraft, and get paid two days early with no hidden fee. ALL IN ONE PLATFORM Simple modern Banking, ACH, wire, Credit build, Printable checks, Cash Back, Instant Visa card, Physical Card, multiple cards for many users with customized limits, block card in a single tap. TRUSTED BY BUSINESSES You control your banking with two-factor authentication, instant alert, daily balances, etc., GOODBYE TO HIDDEN FEES No monthly fee, No hidden Fee, No minimum Balance required. A NEW WAY TO BUILD CREDIT Use our modern credit builder and increase your credit score sooner than you think with regular on-time payments. PAY VENDOR, PAYEES, FRIENDS WITH NO TRANSFER FEES Send money to anyone without any transfer fee.
Screenshots
Verdict
The clearest difference is rating: Payability Mobile at 3.1 against Zil.US's 2.1. Payability Mobile also leads on review sentiment (40% vs 0%) and iOS requirement (11.0 vs 15.0). Zil.US's advantage is update cadence (every 2 weeks vs every 22 months). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Payability Mobile holds the better App Store score, 3.1 against 2.1. Both are backed by a comparable volume of ratings — 14 and 10 respectively. Written reviews point the same way: 40% of Payability Mobile's written reviews are positive against 0% of Zil.US's.
Payability Mobile ships an update every 22 months, Zil.US every 2 weeks. The most recent releases landed on October 10, 2026 and October 8, 2026 respectively.
| Parameter | Payability Mobile | Zil.US |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (14 ratings) — better | 2.1 (10 ratings) |
| Positive reviews | 40.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 14 — better | 10 |
| Update frequency | Every 22 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 16 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Payability Commercial Factors, LLC | onlinecheckwriter |
Customer experience
Payability Mobile
Zil.US
In-app purchases
Payability Mobile
No in-app purchases
Zil.US
No in-app purchases









