ZimpleMoney

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Choose the best plan for your business

1-Month Free Trial On All ZimpleMoney Plans

Primary

Manage Up To 3 Loans
$ 23 Per Month
  • One-Time $23 Setup Fee Per Loan
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Professional

Manage Up To 20 Loans
$ 47 Per Month
  • White-Glove Migration Available
  • One-Time $23 Setup Fee Per Loan
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Unlimited

Manage Unlimited Loans
$ 77 Per Month
  • Dedicated Account Manager
  • White-Glove Migration Available
  • One-Time $23 Setup Fee Per Loan
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All ACH and card transactions incur processing fees with the option to pass on to borrowers. Details below.*

All ZimpleMoney Plans Include

Payments & Accounting

  • Set Loan Types, Interest Rates & Fees
  • Accept Payments Auto-Posted to Ledger
  • Disburse Funds Across Multiple Accounts
  • Enable Auto-Pay & Payment Reminders
  • Easily Handle Early, Late, & Extra Payments

Documents & Reporting

  • Auto-Generated 1098 Tax Forms
  • AI-Assisted Loan Template Creation
  • Cloud Storage for Contracts & Docs
  • Statements & Reports In Multiple File Types
  • Adjust Terms & Renew Loan Agreements

Customer Experience

  • White-Glove Portfolio Migration
  • Multi-Party Lender & Borrower Setup
  • Customer Support for Lenders & Borrowers
  • AI-Powered Knowledge Base
  • Private Label & Reseller Capabilities

Payment Processing Details

*ZimpleMoney provides fully integrated transaction processing of ACH and card payments. Lenders can select and configure which payment methods to accept. Transaction fees can be offset with borrower fees.

ACH Debit/Credit Card ^
Transaction Fee: $1.50 + 2.0% Of The Transaction Amount
Visa, Mastercard & Discover Transactions: 2.9% Of The Transaction Amount + $0.30 Per Authorization
Minimum Transaction Fee: $4.99; Maximum Transaction Fee: $18.99
American Express Transactions: 3.4% Of The Transaction Amount + $0.30 Per Authorization
ACH Return Item Fee: $22.00
Card Chargeback Fee: $15.00
ACH High-Risk Return Item Fee: $27.00
ACH Unauthorized Return Fee: $60.00 Plus Pass-Through Of Any Additional Processor / Network Costs

^ ZimpleMoney enables lenders to accept ACH payments without becoming a merchant. However, to accept card payments—debit or credit—lenders must complete a Merchant Application and receive approval for a Merchant Account. Details below.

Merchant Account Fees

Merchant Application Fee: $399 (One-Time, Applicable For Professional And Unlimited Plans Only, for ACH and Cards)

Monthly Account Fee: $20.00

Merchant Bank Account Change Fee: $20.00

Monthly PCI Compliance Fee: $6.58

Additional Lender Deposit: $3.00 (Optional)

Note: If lenders wish to accept cards or ACH payments but want to control limitations (funding times, not requiring SSNs from borrowers, etc.), they need to become a merchant. The merchant application fee is one-time and covers ACH, credit, and debit transactions. Merchant account fees apply regardless of ACH/card acceptance configuration.