Use pesos, as this is the Mexican currency. Some places accept dollars, but will give you a bad exchange rate. To get pesos, go to an official bank ATM in the pueblo (Bancomer, Santander, Scotiabank, etc). There are also many ATMs at Chedraui supermarket. Do NOT use the ATMs on the beach road, as these will charge you high fees and might have compromised security. Also, when the ATM asks you if you accept their exchange rate, press "no". The peso to US dollar exchange rate is usually about 18 pesos to 1 dollar.
Chedraui supermarket is very close to the entrance to Aldea Zama---just a bit toward the pueblo on Boca Paila Road. This supermarket has just about anything you could ever want, similar to an upscale Walmart. Remember a bag of ice for your cocktails! You can get pesos from the official bank ATMs inside. Also, within easy walking distance from the residence is Fresh Market and other small markets, which have a variety of basics. There are also nearby pharmacies that have many medicines available for purchase without a prescription.
Although tipping is not as expected in Mexico as it is in the US and some other countries, it is no less important. The hardworking bar tenders, waiters, maids, bathroom attendants, tour guides, etc. make very little in wages, and depend on their tips to survive. Get lots of small bills and tip often, even if only a few pesos. We usually tip 40 pesos for a couple of cocktails, 80 pesos a day for the cleaning staff, 15% at restaurants, 15% for a tour operator or spa service provider, round up for a taxi driver, and don't forget to tip bathroom attendants and grocery store baggers 5 or 10 pesos. Note: it is illegal for restaurants to automatically add the tip onto your restaurant bill, but some still do, so check your bill.
Mexicans communicate on WhatsApp (not texting), so be sure to download this app and use it to message. Also, businesses generally have Facebook pages, not websites, so if you're looking for a restaurant, beach club, etc, do a search on Facebook.
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