Three things wholesale operations need.
Suppliers paid. Inventory stocked. Buyers collected. Cash flow managed.
Pay Suppliers Without Draining Cash Reserves
- The Wallet Strategy: Buyers paid you? Pay suppliers from wallet—zero fees on eligible payments.*
- The Credit Card Strategy: Buyers haven’t paid yet? Buy inventory with credit card—shelves stocked, card due after buyer payments arrive.
Impact
Never miss volume discounts or supplier payment terms
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Process Bulk Vendor Payments Efficiently
Pay hundreds of suppliers simultaneously. Upload CSV with all vendor payments. Process everything at once. From wallet (zero fees on eligible*) or credit card. Track by product line, warehouse, or purchase order.
Impact
Hours of manual payment processing reduced to minutes
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Collect from Retail Buyers Faster
Send invoices with payment links. Buyers pay via ACH (zero fees to you*) or credit card. Track net-30/60 terms automatically. Reduce average days to payment. Faster than traditional invoicing.
Impact
Cash conversion cycle shortened significantly
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Everything wholesale operations need.
Supplier & Manufacturer Payments
Pay domestic and international suppliers. Bulk purchase orders processed. From wallet (zero fees on eligible*) or credit card (30-45 day float). Volume rebates and early payment discounts captured. Same-day ACH available for urgent orders.
Bulk Payment Processing
Pay hundreds of vendors simultaneously. Upload CSV with supplier details and amounts. Validate and process in minutes. From wallet (zero fees on eligible*) or credit card. Track by product category, warehouse, or business unit.
Credit Card Inventory Financing
Purchase inventory with business credit card before buyer payments arrive. Stock shelves immediately. Card payment due 30-45 days—after retail buyer revenue generates. Eliminates need for expensive inventory financing.
Retail Buyer Invoice & Collection
Send invoices to retail customers with payment links. Collect via ACH (zero fees to you*) or credit card. Track net-30/60 payment terms. Automated payment reminders. Faster collection than traditional invoicing.
Multi-Location Payment Management
Manage payments across warehouses, distribution centers, regions. Customize by location. Consolidated reporting. Role-based access by facility. Complete visibility across operations.
International Supplier Payments
Pay overseas manufacturers and importers. Wire transfers processed efficiently. Currency conversion handled. Documentation for customs and import tracking. Complete international payment capabilities.
Purchase Order Tracking
Link payments to purchase orders. Track outstanding POs. Monitor supplier delivery performance. Reconcile invoices to orders. Complete procurement workflow.
Volume Rebate Management
Track volume purchases for supplier rebates. Monitor toward rebate tiers. Document rebate claims. Receive rebate payments to wallet. Maximize supplier incentive programs.
Built for all distribution operations.
Product Distributors
What You Need: Large inventory purchases, multiple suppliers, retail customer base, volume discounts, tight margins
What You Get
- Pay suppliers from wallet (zero fees on eligible*)
- Credit card for inventory before buyer payments
- Bulk supplier payment processing
- Retail customer invoice collection (zero ACH fees*)
- Volume rebate tracking
Food & Beverage Wholesalers
What You Need: Perishable inventory timing, restaurant/grocery customers, frequent ordering, supplier relationships
What You Get
- Same-day ACH for urgent supplier payments
- Credit card bridges buyer payment timing
- Customer invoice collection with payment links
- Multi-location warehouse payment management
- Complete food safety documentation
Industrial Supplies
What You Need: Diverse product lines, multiple manufacturers, contractor customers, project-based sales
What You Get
- Bulk payments to manufacturers
- Customer payment collection tools
- Credit card for large inventory orders
- Track by product category and project
- Contractor customer management
Electronics & Technology Distributors
What You Need: Fast inventory turnover, international suppliers, retail/reseller customers, warranty tracking
What You Get
- International supplier wire payments
- Credit card for new product launches
- Reseller invoice collection
- Serial number and warranty tracking
- Multi-currency capabilities
Medical & Pharmaceutical Wholesale
What You Need: Regulated inventory, hospital/pharmacy customers, compliance documentation, controlled substances tracking
What You Get
- Compliant supplier payment documentation
- Healthcare customer invoicing
- Lot number and expiration tracking
- Regulatory audit trails
- Complete chain of custody
Building Materials Distributors
What You Need: Heavy/bulk products, contractor customers, project quotes, delivery coordination
What You Get
- Pay suppliers for bulk orders
- Contractor invoice collection
- Job site delivery tracking
- Credit card for seasonal inventory
- Project-based accounting
Buyers paid: wallet. Inventory needed: credit card.
The Wallet Strategy
(Post-Collection)
When to Use
Retail buyers paid invoices, strong cash position, regular operating cycle, seasonal peak revenue
How It Works
- Buyer payments to wallet → Zero ACH collection fees*
- Pay suppliers from wallet → Zero fees on eligible*
- Pay operational expenses from wallet → Zero fees on eligible*
- Keep balance in wallet → Earn cash back on qualifying transactions*
Benefit
Complete payment cycle with zero transaction fees on eligible*
The Credit Card Strategy (Pre-Collection)
When to Use
New product launch, seasonal inventory build, buyer payment pending, volume discount opportunity
How It Works
- Buy inventory with credit card → Shelves stocked immediately
- Pay suppliers with credit card → Volume discounts captured
- Pay operational expenses with card → Operations continue
- Card payments due 30-45 days → After buyer revenue arrives
Benefit
Inventory financed without expensive loans or lines of credit
Pay hundreds of suppliers in minutes.
CSV Upload
Upload file with all supplier payment details. System validates account numbers, amounts, dates. Flags any errors for correction. Process up to thousands of payments in single batch.
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Payment Validation
Automatic validation of routing numbers and account numbers. Duplicate payment detection. Amount verification. Reduce payment errors before processing.
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Scheduled Processing
Schedule supplier payments for specific dates. Align with purchase order delivery dates. Take advantage of early payment discounts. Automate recurring vendor payments.
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Payment Tracking
Real-time status for every payment. See processed, pending, failed. Export reports for accounting. Complete audit trail maintained.
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Get paid faster from retail customers.
Invoice with Payment Links
Create professional invoices with integrated payment buttons. Send via email with click-to-pay capability. Buyers pay in seconds instead of mailing checks. Track sent, viewed, paid status.
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Multiple Payment Methods
Accept ACH (zero fees to you*), credit cards, debit cards. Buyers choose preferred method. More options = faster payment. Reduce friction in collection process.
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Net Terms Management
Track all customer invoices by due date. Identify overdue accounts automatically. Send automated payment reminders. Reduce average days sales outstanding (DSO).
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Partial Payments
Accept partial payments on large invoices. Track balance remaining. Automated follow-up for remaining balance. Flexibility improves customer relationships.
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Customer Payment Portal
Buyers access their invoice history. Make payments anytime. View payment status. Reduces customer service inquiries. Self-service payment management.
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Manage payments across all locations.
Location-Specific Payment Processing
Process payments by warehouse, distribution centre, or region. Customize check design by location. Track spending by facility. Consolidated reporting across locations.
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Role-Based Access
Warehouse managers approve location payments. Regional directors review spending. CFO maintains oversight across all locations. Secure access controls by role.
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Consolidated Reporting
View payment activity across all locations. Compare spending by facility. Track supplier relationships by region. Export consolidated financials.
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Inter-Location Transfers
Transfer funds between warehouses or regions. Balance inventory across locations. Support facility cash flow needs. Complete visibility of inter-company transactions.
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Works with wholesale systems.
Inventory Management
- NetSuite
- Fishbowl
- Cin7
- DEAR
Purchase orders synced, inventory levels coordinated
ERP Systems
- SAP
- Oracle
- Microsoft Dynamics
- Epicor
Complete financial data integration
Accounting
- QuickBooks
- Xero
- Sage
All transactions categorized by product line, location, customer
EDI Systems
Electronic data interchange for supplier orders
Automated order processing and payment coordination
Wholesale-grade security.
SOC 2 Type II Certified
Independently audited security
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PCI DSS Compliant
Secure payment processing
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Bank-Level Encryption
256-bit AES for all data
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FDIC Partner Banks
Banking through FDIC members
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Multi-Factor Authentication
Secure access controls
Audit Trails
Complete transaction documentation
What wholesale companies ask.
Upload CSV file with supplier payment details. System validates everything. Review and approve. Process hundreds of payments simultaneously. From wallet (zero fees on eligible*) or credit card. Complete in minutes instead of hours.
Zero fees apply to eligible payments from Zil Money Wallet. After buyers pay you to wallet, use wallet balance to pay suppliers with zero fees on eligible transactions.* When inventory needs are urgent, use credit card (processing fees apply).
Use business credit card to purchase inventory from suppliers. Shelves stocked immediately. Card payment due 30-45 days—after buyer revenue generates. Bridges timing gap without expensive inventory financing.
Send invoices with integrated payment links. Buyers click and pay via ACH (zero fees to you*) or credit card. Much faster than traditional invoicing and check mailing. Track payment status in real-time.
Yes. Process payments by warehouse, distribution center, or region. Role-based access for each location. Consolidated reporting across all facilities. Complete multi-location management.
Wire transfers to overseas manufacturers and suppliers processed efficiently. Currency conversion handled. Documentation for customs. Track international payment status.
Yes. Schedule payments for specific future dates. Align with purchase order delivery. Take advantage of early payment discounts. Automate recurring vendor payments.
Transparent pricing for wholesale operations.
What You Pay
Platform:
Free to start
Wallet payments (eligible):
$0 per transaction*
Credit card payments:
Standard processing rates (typically ~2.9%)
ACH buyer collections to wallet:
$0 per transaction*
Wire transfers:
Competitive rates
Check mailing:
$1.25 per check
What You Save
Supplier payment fees:
Zero on eligible wallet transactions*
Inventory financing fees:
Credit card replaces expensive loans
Buyer collection fees:
Zero on ACH to wallet*
Processing time:
90% reduction in manual work
Zero-fee eligibility requirements, credit card rates, terms, and conditions apply. Complete details at zilmoney.com/terms.
Traditional Logistics Operations
Manual supplier payment processing for hours
Expensive inventory financing or credit lines
Slow buyer collection via mailed checks
High transaction fees on all payments
Zil Money Approach
Bulk supplier payments in minutes (zero fees on eligible*)
Credit card for inventory before buyers pay
Payment links accelerate buyer collections (zero ACH fees*)
Complete payment flexibility
✓ Zero Fees on Eligible Wallet Payments*
✓ Bulk Payment Processing
✓ Multi-Location Management
✓ SOC 2 Certified