For many small business owners, “Payroll Friday” isn’t just a date on the calendar. It is a source of high-octane stress. Between checking bank balances, calculating hours, and manually syncing data with accounting software, payroll can feel like a part-time job you never applied for. But what if you could transform payroll from a time-draining chore into a strategic advantage?
Enter Payroll by Card, the app designed to let you fund payroll using your business credit card, available on the App Store and Play Store. Not only does this bridge the gap during tight cash flow cycles, but it also automates the “busy work” that eats up your week.
Click Here For Interactive Demo ⬇
Here are four ways switching to a Payroll-by-Card app will save you 10+ hours a month on administration while putting rewards back into your pocket.
1. Eliminate the “Cash Flow Scramble”
The traditional payroll process often starts days before payday with a frantic check of your accounts. Do we have enough in the checking account? Is that client invoice going to clear in time? Do I need to transfer funds from savings?
This mental load and the subsequent manual transfers take up significant time. Payroll by Card app from Zil Money eliminates the scramble.
By using your business credit card to fund payroll, you gain an instant 30-45 day payment window. Instead of spending hours moving money around to cover a temporary shortfall, you simply charge the payroll to your card. This keeps your working capital available for other business needs and ends the cycle of moving money from one place to another just to cover payroll, which takes up so much of your time every month.
2. One-Click Accounting Integrations
Manual data entry is the enemy of productivity. If you are currently exporting CSV files from your accounting software and manually uploading them to your bank or a separate payroll processor, you are burning daylight.
The app features Easy Integration with the tools you already use:
- QuickBooks
- Xero
- Zoho
- Bill.com
- Zapier
By connecting your accounting software directly to the app, you can import payroll data in seconds. No more double-checking names and amounts across two different screens. The app syncs the data, you approve it, and it’s done. This automation alone can save you several hours that were previously spent on tedious “copy-paste” admin work.
3. Mobile-First Management: Payroll on the Go
How many times have you been stuck at the office late on a Thursday just because you needed to sit at your desktop to “run the numbers”?
The Payroll by Card mobile app frees you from your desk. Whether you’re at a job site, in a taxi, or grabbing a quick coffee between meetings, you can approve and process payments with a few taps.
- Instant Transfers: Funds are moved to your business account quickly.
- Anywhere Access: Manage hourly workers, salaried staff, and contractors from your phone.
By removing the requirement to be “plugged in” at the office, you eliminate the administrative “dead time” spent waiting to get back to a computer to handle payroll tasks.
4. Simplified Tax and Fee Tracking
One of the biggest headaches for small business admin is tracking tax-deductible expenses. When you use various methods to fund payroll, your bookkeeper (or you) has to spend time categorizing fees and interest.
With Payroll by Card, processing fees are often tax-deductible as a business expense. Because the app centralizes all your payroll funding through your business credit card, your end-of-month reporting is incredibly clean. You get a single, transparent view of your payroll costs, fees, and the rewards earned, making tax season a breeze rather than a battle.
How It Works: 5 Steps to Freedom
Transitioning to a smarter payroll system shouldn’t take more time than it saves. Payroll by Card is designed for rapid setup:
- Connect: Link your preferred business credit card.
- Import: Pull data directly from QuickBooks, Xero, or your chosen software.
- Choose: Select your payment method (ACH or Wire) for your employees.
- Approve: Verify the amounts and process with a tap.
- Earn: Watch the points and cashback roll in while your cash flow stays liquid.
Spend Time on Growth, Not Grunt Work
If your business is in retail, construction, a service agency, or a restaurant, your time is best spent serving customers and growing your brand. Spending 10+ hours a month on the administrative minutiae of payroll isn’t just boring, it’s expensive.
Payroll by Card app from Zil Money is specifically designed to fund payroll via credit card, giving small businesses the flexibility they need to survive and thrive. By leveraging the 30-45 day credit window, you maintain employee satisfaction even during lean months, all while earning the points that could fund your next business trip.
FREQUENTLY ASKED QUESTIONS
Can I pay my employees with a credit card?
Yes. Using Payroll by Card app, you can fund your payroll via a business credit card to bridge cash flow gaps, extend payment terms by 30-45 days, and earn valuable rewards or cashback on every transaction.
What are the benefits of paying payroll with a credit card?
The primary benefits include improved working capital management, the ability to meet payroll during cash shortages, and the opportunity to earn massive travel points or cashback on your largest monthly expense.
What industries benefit from Payroll by Card?
It’s perfect for small businesses, retail, restaurants, agencies, construction, and service industries that need flexible payroll funding solutions.
