Zil Money has highlighted gift card requests made by impersonators among the payment-fraud patterns nonprofit finance teams may encounter. Its guide describes messages appearing to come from leadership that ask an employee to buy cards and disclose their redemption codes.

The other examples are an urgent executive payment request, a supplier email changing bank details and compromised account credentials used to redirect funds. The article frames these as scenarios to recognize, rather than reporting an incident at a named Des Moines nonprofit.

Zil Money recommends separating payment initiation from approval and checking changed bank details through a telephone number already held on file. It also suggests an independent review of reconciliations and a written procedure that staff and board members can follow.

For suspected fraud, the guide prioritizes contacting the bank and payment provider promptly, securing affected account access, documenting the sequence of events and informing organizational leadership. Recovery options depend on the payment and institution; the article does not guarantee that funds can be recovered.

The company promotes account monitoring and fraud-related controls as additions to a nonprofit's own approval process. Zil Money identifies itself as a technology company whose banking and money movement services are provided through partner institutions and licensed providers.