The payment platform allows small businesses and individuals to send and receive payments by credit card online easily.
Maybe a client’s late payment throws off your budget or an unexpected expense pops up, messing with your cash flow. What if there was a way to make payments without stressing over bank balances or hidden fees?
That’s where making payments online with a credit card comes in. It’s not just about spending—it’s about keeping your business running smoothly. If any of these seven signs sound familiar, it might be time to start using your credit card for business payments.
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1. You’re Missing Out on Rewards & Perks
If you’re making payments without earning anything back, you’re leaving money on the table. Zil Money lets you use credit cards for business expenses—payroll, vendor payments, rent, or bills—while earning rewards, cashback, or travel points.
Think about it: if your business spends thousands each month on expenses, those transactions could earn you valuable perks. Rewards credits can help cut down costs, travel points can cover business trips, and cashback can go right back into your business.
A small business owner who regularly pays vendors, utility bills, or rent using Zil Money’s credit card payment feature can rack up these benefits. Instead of paying directly from a bank account, why not earn rewards through credit card transactions?
2. You Struggle With Cash Flow
Cash flow problems hit every small business at some point. Maybe your clients pay late, or you have to cover unexpected costs—like repairing a piece of equipment or renovating your storefront. When money is tight, waiting on bank transfers or customer payments can put you in a tough spot. The solution is Zil Money’s credit card feature.
- Pay vendors and landlords even when cash is low.
- Cover bills without overdrawing your bank account.
- Avoid delaying payroll because you’re waiting on incoming payments.
- Handle emergency expenses without scrambling for funds.
3. You Struggle to Pay Your Employees on Time
Employees count on their paychecks. But when cash is short, delayed payroll can hurt morale and disrupt operations. Instead of waiting for cash to clear, you can use the platform’s payroll by credit card feature to pay employees on time.
- Run payroll as usual.
- The platform charges your business credit card.
- Zil Money funds your payroll-connected checking or business account.
- You disburse payroll to employees immediately.
4. You Need to Pay Vendors & Bills Instantly
Not every vendor accepts credit card payments directly. Some prefer ACH, wire transfers, checks, or virtual cards. That’s where a platform like Zil Money steps in.
Instead of going through multiple steps to transfer money, you can use your credit card to pay vendors through any method they prefer.
- Pay vendors instantly via ACH, wire, virtual card or check mail.
- No manual data entry—the platform records every transaction.
- No payee charges—your vendors won’t have to pay extra just to get paid.
5. You’re Paying Too Many Bank Fees
Hidden fees add up fast. Traditional business bank accounts charge monthly maintenance fees, minimum balance fees, and transaction fees. Some even require an initial deposit just to open an account.
With Zil Money, you don’t have to worry about:
- Monthly fees
- Maintenance charges
- Minimum balance requirements
- Extra costs for using credit cards for payments
6. You Don’t Have Cash to Pay by Check
Some vendors or landlords still require check payments. But what if you don’t have the cash on hand? You can still pay by check—using your credit card.
- Use your credit card to generate a check.
- The platform mails the check directly to the payee via USPS or FedEx.
- Ensure payments go out without time restrictions or limits on transactions.
7. Your Customers Prefer to Pay by Credit Card
If you’re running a business, you need to accept payments the way customers prefer. Many customers like to pay by credit card, but what if you typically accept only ACH or wire transfers?
Zil Money’s payment links let you:
- Accept credit card payments easily.
- Convert the payment into checks or ACH on your end.
- Get paid faster without forcing customers to change their payment method.
This means you won’t lose a sale just because your payment options are limited. It makes it easier for customers to pay you, and you get your money quicker.
8. You Need Tax Breaks
Did you know that using your credit card for business expenses could help you save on taxes?
- When you use your credit card for business-related purchases, like office supplies or travel, those costs can be deducted from your taxable income.
- Business expenses are anything that helps your business run, so they count.
- This means you pay less in taxes because you’re reducing the amount of money the IRS sees as your profit.
Conclusion
If any of these signs sound familiar, it might be time to start using your credit card for business payments. You don’t have to worry about hidden fees or complicated processes with Zil Money. So next time you’re about to stress over an unpaid invoice or a delayed payroll, think about how easy it would be to pay with your credit card. Maybe today’s the day you make that switch.
