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Three advantages. One payroll.
Three reasons businesses are switching.
Earn Substantial Rewards
Payroll is your largest monthly expense. Your business credit card earns rewards on every dollar. Turn your biggest cost into meaningful points or cash back.
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Extend Your Cash Runway
Pay employees today. Money leaves your account 30-45 days later when your card payment is due. Valuable breathing room for growth, seasonal cycles, or bridging client payment timing.
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Build Credit Automatically
Large consistent charges paid on time build strong business credit. Better credit means better terms when you need financing for growth, equipment, or opportunities.
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Four simple steps to smarter payroll.
Connect Your Card
Add your business credit card. Visa, Mastercard, and American Express accepted. Secure and encrypted.
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Set Up Payroll
Add employee information and payment amounts. Import from existing system or enter manually.
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Review & Approve
See processing fee and potential rewards before confirming. One-click approval when ready.
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Earn While You Pay
Employees paid on schedule. Rewards earned immediately. Cash flow extended by 30-45 days. Credit built continuously.
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Get the most from every payroll.
Use a Premium Rewards Card
High-reward business cards (2-3%+ earnings rate) maximize your return. Premium cards with travel multipliers or bonus categories deliver even more value.
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Time It Strategically
Process payroll right after your card statement closes to maximize cash flow extension. This gives you the longest possible window—up to 45+ days—before payment is due.
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Stack the Benefits
Don’t just earn rewards. Use those points strategically for business travel, team events, or equipment purchases. Combine rewards + extended cash flow + credit building for maximum strategic value.
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What this looks like in practice.
Growing Tech Company
📈 Team: 45 employees | 💸 Monthly Payroll: $180,000
Their Approach:
“We run $150K of our monthly payroll through our premium business card with 3X points earning rate.”
Their Results:
- Monthly rewards: $4,500 in travel points
- Annual rewards value: $54,000+
- Cash flow extension: 45 days on $150K monthly
- Credit building: Consistent $150K payment history
Their Use:
“Points fund team travel to conferences and client meetings. The cash flow extension helps us manage burn rate between funding rounds. We’re building strong credit before our Series B raise.”
Payroll became a strategic asset instead of just an expense.
What payroll by credit card costs and delivers.
The Investment
Processing payroll by credit card includes a processing fee—typically around 2.9% of payroll amount. This fee covers credit card transaction processing.
Example:
$50,000 payroll × 2.9% = $1,450 processing fee
What You Receive:
Rewards Earned:
$1,000+ in points/cash back (2% card example)
Cash Flow Extended:
30-45 days before money leaves your account
Credit Built:
Strengthened business credit profile
Strategic Flexibility:
Working capital freed for other opportunities
The Value Equation:
For businesses with high-reward cards, cash flow needs, or credit building goals, the combined benefits create substantial strategic value.
Complete Transparency
You see the exact processing fee before every payroll. You control the decision every time.
See Your Earning Potential
Calculate exactly how much you could earn in rewards while improving your cash flow
Businesses getting the most value.
High-Growth Companies
Managing rapid expansion with careful cash flow. The 30-45 day extension provides critical runway between funding rounds or during scaling phases.
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Premium Card Holders
Using business cards with 2-3%+ rewards rates or exceptional travel/redemption multipliers. Strong rewards substantially offset processing costs.
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Credit Builders
Newer businesses or those preparing for financing. Consistent large payments build credit profile faster for better terms when capital is needed.
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Seasonal Businesses
Managing variable cash flow cycles. Extended payment timing helps bridge slow periods while building reserves during busy seasons.
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B2B Companies
Clients on net-30 or net-60 terms. Card timing aligns payroll obligations with customer payment schedules, smoothing cash management.
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Your next payroll can start earning.
What You Need:
- Business credit card (Visa, Mastercard, or American Express)
- Current employee payroll information
- 15 minutes for initial setup
What Happens:
- Connect your business credit card
- Set up employee payment information
- Review processing fee and potential rewards
- Approve—employees paid, rewards earned, cash flow extended
Flexibility: Process any amount via card—full payroll, partial payroll, or specific employee groups. You control every payroll cycle.
See exact costs before confirming
No long-term commitment
Full control
Common questions answered.
Quick answers to help you decide.
Typically around 2.9% of payroll amount. Exact fee displayed before each payroll run so you can evaluate the total value proposition.
Depends on your business credit card's rewards program. Most business cards offer 1-3% in points or cash back. Premium cards may offer higher rates in specific categories.
You process payroll today. Card is charged today. But your bank account isn't debited until card payment is due 30-45 days later—extending your cash runway by that amount.
No. Employees receive payment exactly as usual—same timing, same method (direct deposit or check), same amount. The payment method is invisible to them.
Yes. Process any amount via card—whether that's full payroll, certain departments, or specific employees. Complete flexibility every payroll cycle.
Yes. Regular large payments paid on time demonstrate financial reliability and strengthen your business credit profile. Beneficial for future financing needs.
Process your next payroll traditionally. No commitment or contract. Use credit card payroll when it provides value, skip it when you prefer traditional processing.
Most major business credit cards: Visa, Mastercard, and American Express. Card must be issued as a business card in your company's name.
Three Powerful Reasons to Start:
Stop leaving rewards on the table.
Your largest expense can generate your largest rewards.
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Extend your cash runway by 30-45 days.
Critical flexibility for growth, seasonality, or timing challenges.
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Build credit automatically.
Strengthen your profile for better financing terms when opportunities arise.
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See exact costs before confirming
Complete transparency
Full control every time