Using a software-as-a-service (SaaS) model, Zil Money, which does business under the name OnlineCheckWriter, has processed more than $70 billion in accounts payable and accounts receivable payments for merchants in the US and Canada since 2018. For accounts payable, merchants use the Zil Money platform to initiate payments mostly by paper check or echecks, including on a recurring basis, and by credit or debit cards, including to vendors that do not accept credit card payments. Also available to merchants are wire transfers, instant wallet-to-wallet transfers, direct deposit via the ACH, vi...