# Payability Mobile vs Zil.US

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.

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.

## The numbers

| Metric | Payability Mobile | Zil.US |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.1 (14 ratings)](https://appshunter.io/ios/app/payability-mobile/id1477310492/reviews)** | [2.1 (10 ratings)](https://appshunter.io/ios/app/zilus/id1576803726/reviews) |
| Number of ratings | **14** | 10 |
| Positive reviews | **40.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 22 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 16 MB | 51 MB |
| Requires iOS | **11.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Payability Commercial Factors, LLC](https://appshunter.io/developer/1477310491) | [onlinecheckwriter](https://appshunter.io/developer/1473071594) |

## What reviewers say

### Payability Mobile

[App page](https://appshunter.io/ios/app/payability-mobile/id1477310492)

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.

**Highlights:** Check available balance, Transfer funds to bank account, Review seller card transactions, Track pending transfers, View pending card transactions

**Features:** macOS Compatibility

**In-app purchases:** none


### Zil.US

[App page](https://appshunter.io/ios/app/zilus/id1576803726)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Payability Mobile free?

Payability Mobile is free to download, with no in-app purchases.

### Is Zil.US free?

Zil.US is free to download, with no in-app purchases.

### Which has better reviews, Payability Mobile or Zil.US?

Payability Mobile is rated higher. Payability Mobile averages 3.1 out of 5 from 14 ratings, while Zil.US averages 2.1 from 10 ratings.

### Do Payability Mobile or Zil.US have ads?

Neither Payability Mobile nor Zil.US shows ads.

### Which is updated more often, Payability Mobile or Zil.US?

Payability Mobile ships an update every 22 months, and Zil.US every 2 weeks. Most recently, Payability Mobile was updated on October 10, 2026 and Zil.US on October 8, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*