Three things food businesses actually need
Vendors paid. Staff paid. Cash flow managed. No matter what sales look like today.
Pay Vendors Without Waiting for Cash
- The Wallet Strategy: Good week? Pay suppliers from wallet—zero fees on eligible payments.*
- The Credit Card Strategy: Slow week? Pay suppliers with credit card—they get paid immediately, your card bill due in 30-45 days.
Impact
Never tell your produce vendor “I’ll pay you next week”
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Staff Gets Paid Every Time
Weekend rush or slow Tuesday—staff still gets paid on schedule. Automated payroll from wallet (zero fees on eligible*) or via credit card when timing is tight. Tipped employee tracking included.
Impact
Reduce turnover, maintain service quality, sleep better
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Manage Daily Revenue Swings
Food business cash flow changes daily. Monday slow, Friday packed. Wallet strategy for good days (zero fees on eligible*). Credit card for tight days (30-45 day float). Both work.
Impact
Operational continuity regardless of daily sales fluctuations
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Everything food businesses need.
Vendor Payment Processing
Pay food suppliers, beverage distributors, packaging vendors, equipment rental. From wallet (zero fees on eligible*) or via credit card (30-45 day float). Bulk processing for multiple vendors.
Credit Card Payment Flexibility
Pay any vendor with business credit card—even if they only take checks or ACH. Bridge the gap between slow days and busy days. 30-45 day float smooths cash flow.
Automated Staff Payroll
Process payroll automatically for kitchen staff, servers, bartenders, managers. Handle tipped employees correctly. From wallet (zero fees on eligible*) or credit card during tight weeks.
POS Integration
Connect to Square, Toast, Clover, Lightspeed. Daily revenue automatically tracked. Complete financial picture in one place. No duplicate entry.
Supplier Payment Links
Quick payment to suppliers who need immediate payment. Send link, they get paid instantly. Perfect for emergency orders or new vendor relationships.
Check Printing & Mailing
Some vendors still want checks? Print on-demand or mail for $1.25 each. Your branding, professional appearance, zero trips to bank.
Built for how different food businesses operate.
Full-Service Restaurants
Your Reality: Multiple daily vendors, large staff, inconsistent revenue by day of week, thin margins
What Zil Money Solves
- Pay produce, meat, seafood vendors daily/weekly—wallet or card based on cash position
- Automated bi-weekly or weekly payroll for kitchen and FOH staff
- Equipment rental and maintenance payments via card during slow periods
- Zero fees on eligible wallet payments* when cash flow is good
Quick-Service & Fast Casual
Your Reality: High volume, lower margins, multiple locations, franchise payments, supply chain consistency critical.
What Zil Money Solves
- Consistent vendor payments maintain supply chain
- Multi-location payroll processing centralized
- Franchise fee payments automated
- Credit card option prevents supply disruption during slow periods
Food Trucks & Mobile Vendors
Your Reality: Event-based revenue, unpredictable cash flow, limited cash reserves, permit fees, commissary costs
What Zil Money Solves
- Pay commissary and suppliers immediately with credit card
- Card payment due after weekend events generate revenue
- Mobile access—manage payments from anywhere
- Small operation efficiency—no complex setup
Cafes & Coffee Shops
Your Reality: Morning rush revenue, slow afternoons, daily supplier deliveries, barista wages, pastry suppliers
What Zil Money Solves
- Daily supplier payments from wallet (zero fees on eligible*)
- Automated payroll for baristas and shift leads
- Credit card option for roaster orders before busy season
- POS integration with Square or Clover
Bars & Nightclubs
Your Reality: Weekend revenue concentration, weekday slower, liquor distributor minimum orders, security staff, entertainment costs
What Zil Money Solves
- Pay distributors Monday via credit card, revenue arrives Friday-Saturday
- Automated bartender and security payroll
- Entertainment and DJ payments processed efficiently
- Credit card float bridges weekday-to-weekend gap
Catering Companies
Your Reality: Event-based revenue, large upfront costs, equipment rental, temporary staff, deposit timing critical
What Zil Money Solves
- Pay suppliers for event with credit card before client final payment
- Temporary staff payroll after each event
- Equipment rental payments with timing flexibility
- Client deposit collection via payment links
Good days use wallet. Tight days use credit card.
The Wallet Strategy (Good Cash Flow Days)
When to Use: After busy weekend, after holiday rush, after event bookings, when daily deposits are strong
How It Works:
Revenue from POS → Deposits to wallet
Pay vendors from wallet → Zero fees on eligible payments*
Pay staff from wallet → Zero fees on eligible payroll*
Keep operating balance in wallet → Earn cash back on qualifying transactions*
Benefit: Revenue and expenses both handled with zero fees on eligible transactions*
..
The Credit Card Strategy (Tight Cash Flow Days)
When to Use: Slow Monday/Tuesday, pre-holiday inventory buy, equipment breakdown, before busy season starts
How It Works:
Pay vendors with business credit card → They get paid immediately
Pay staff with credit card → Payroll processed on time
Card bill due 30-45 days → After busy period generates revenue
Earn rewards → Based on your card terms
Benefit: Operational continuity maintained regardless of daily sales
..
How food businesses actually use both strategies.
Produce Vendor Payment
Situation: Tuesday morning. Produce vendor delivers. Payment due immediately. Weekend sales haven’t happened yet.
Action: Pay produce vendor with credit card via Zil Money. Vendor gets ACH same-day. Your card bill due next month.
Outcome: Fresh ingredients received. Vendor happy. Weekend revenue covers card payment.
Staff Payroll Friday
Situation: Friday payroll due. Week was slow. Bank balance tight.
Action: Process payroll via credit card. Staff gets paid on time. Card bill due in 30-45 days.
Outcome: Staff retention maintained. Weekend service quality protected. Revenue from weekend covers card payment.
Equipment Breakdown
Situation: Walk-in cooler fails Tuesday. Repair costs $3K. Must fix immediately or lose inventory.
Action: Pay repair company with credit card. Equipment fixed same-day.
Outcome: Inventory saved. Operations continue. Card payment handled after revenue recovers.
Pre-Holiday Inventory
Situation: Thanksgiving week. Need extra inventory. Suppliers want payment upfront.
Action: Pay all suppliers with credit card. Stock up properly.
Outcome: Thanksgiving rush served properly. Revenue from holiday week covers card payments due next month.
Earn on good days. Use credit flexibility on tight days.
How the Complete Cycle Works
Good Revenue Day
Sales from POS → Deposits to wallet
Keep balance in wallet → Earn cash back on qualifying transactions*
Pay vendors from wallet → Zero fees on eligible payments*
Pay staff from wallet → Zero fees on eligible payroll*
Tight Revenue Day
Vendor payment due → Pay with credit card
Staff payroll due → Process via credit card
Bills covered → No operational disruption
Card payment → Due after busy days generate revenue
The Flexibility
Switch between strategies based on daily cash position. Not locked into one approach.
Important Note:
Zero fees apply to eligible payments from Zil Money Wallet only. Credit card processing fees apply. Eligibility requirements and terms at zilmoney.com/terms
Works with food business systems.
POS Systems
- Square
- Toast
- Clover
- Lightspeed
- Revel
- Upserve
Daily sales automatically synced
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Accounting
- QuickBooks
- Xero
All payments automatically recorded and categorized
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Payroll
- Track tipped employees
- Regular wages
- Overtime
Automated calculations and processing
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Food-safe payment security.
PCI DSS Compliant
Secure payment processing
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SOC 2 Type II Certified
Independently audited security
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Bank-Level Encryption
256-bit AES for all financial data
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FDIC Partner Banks
Banking services through FDIC member banks
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What food businesses ask.
Zero fees apply to specific payment types made from your Zil Money Wallet balance. Not all payment methods and transaction types qualify. Complete eligibility requirements available at zilmoney.com/terms. Contact support for specific transaction eligibility.
Yes. You pay Zil Money with your credit card. We pay your vendor via ACH or check (their preference). They get paid immediately. Your card bill due 30-45 days later. Standard credit card processing fees apply.
Good days: Pay from wallet with zero fees on eligible payments.* Tight days: Pay with credit card and bridge to busy days. Switch strategies based on your daily cash position. Both work.
Yes. Track tipped wages, regular wages, overtime separately. Calculate tip credit correctly. Process full payroll from wallet (zero fees on eligible*) or via credit card when needed. Tax withholding handled properly.
Process each payment individually or use bulk processing for multiple vendors. Choose wallet (zero fees on eligible*) or credit card based on current cash position for each payment.
Yes. Direct integration with Square, Toast, Clover, Lightspeed, and major food service POS systems. Daily sales automatically synced. Complete financial visibility.
Limits depend on your business credit card terms and Zil Money account status. Contact support for specific limits based on your business profile.
Transparent pricing for transit operations.
What You Pay
Platform: Free to start
Wallet payments (eligible): $0 per transaction*
Credit card payments: Standard processing rates (typically ~2.9%)
Check mailing: $1.25 per check
POS integration: Included
What You Get
Zero fees on eligible wallet payments*
30-45 day credit card float when needed
Automated payroll processing
Vendor relationship protection
Operational continuity maintained
Zero-fee eligibility requirements, credit card processing rates, terms, and conditions apply. Complete details at zilmoney.com/terms.
Traditional Approach
Tell vendors “I’ll pay you Friday”
Skip staff bonuses during slow weeks
Pull from personal funds to cover bills
Damage relationships with delayed payments
Zil Money Approach
Pay vendors on time—wallet or credit card based on cash position
Staff gets paid every time—no exceptions
Credit card bridges daily cash flow gaps
Relationships protected—suppliers trust you
✓ Zero Fees on Eligible Wallet Payments*
✓ Credit Card Flexibility Always Available
✓ Works with Major POS Systems
✓ SOC 2 Certified Security