Credit Card Processing

Simplify Credit Card Processing with the cloud-based platform.

Convert payments into ACH, wire transfers, or checks easily.

Earn credit card rewards while managing cash flow.

No extra fees for payees, just smooth transactions.

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Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

Streamline Vendor Payments and Maximize Cash Flow!
1M+

online business accounts

91B+

transaction volume

16M+

checks processed

Credit Card Payments Simplified

Vendors don’t accept credit cards? No worries! Pay with your card, and Zil Money ensures your recipient receives fund through ACH, wire, or check mail.

Pay or Get Paid the Way You Want It

Using Credit Cards to Save Money on Business Expenses

Cash Back Rewards

Earn Cash Back: Credit cards like the Capital One Spark Card offer 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back.

Offset Fees: Using a credit card with cash back can partially offset the 2.95% process fee, reducing the effective cost.

Tax Benefits

Tax-Deductible Fees: The 2.95% process fee can be filed as a tax-deductible business expense, offering some financial relief.

Additional Tax Breaks: Depending on the jurisdiction and tax codes, you may be eligible for additional tax breaks for using credit cards for business expenses.

Cash Flow Management

Cash Float Period: Credit cards often provide a 30 to 45-day payment window, allowing businesses to manage their cash flow better.

Utilize Funds: During this period, the funds can be invested in short-term opportunities or other revenue-generating activities.

Floating Revenue from Bank

Float Revenue – Cash Incentive Earnings: The funds in your bank account for 30 to 45 days could earn Cash incentive or be invested in short-term revenue-generating activities.

Capital Utilization: The cash float period allows you to strategically utilize your capital for other pressing needs or investment opportunities.

Detailed Example: Capital One Spark Card

  1. Process Fee: 2.95%
  2. Cash Back: 2%
  3. Tax Break: 0.06%
  4. Final Fee: 0.35%
  5. Additional Benefit: 30-45 days of cash flow management and float revenue.

Click Here to See Interactive Demo

An Illustration of a Man Using a Large Smartphone for Credit Card Processing Displaying Various Financial Services, Surrounded by Icons Representing All-In-One-Platform Features

No More “Card Not Accepted”

Some vendors avoid credit cards due to fees. The platform allows you to pay them using your card without any extra burden on them.

Get More from Your Credit Card

Pay your bills with a credit card and collect cashback, travel points, or rewards effortlessly. Turn every transaction into a benefit without extra costs.

Illustration of a Smartphone with Credit Card Processing Connected to a Cloud with Dotted Lines Leading to Various Bank and Financial Service Logos That Are Integration with Banks and Third-Party Software

Why Zil Money!

A technology-first approach to payments and finance

Easy to Access

High Security

Easy Payment

An Illustration of a Man Using a Large Smartphone for Credit Card Processing Displaying Various Financial Services, Surrounded by Icons Representing All-In-One-Platform Features

Use Your Credit Card Freely

Pay bills, vendors, or suppliers with your credit card, no matter their preferred payment method. Zil Money ensures a smooth transaction without restrictions.

FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions(FAQ)

What is credit card processing?

Credit cards are processed by a series of operations that usually require making a payment with a credit card in person, online, over the phone, or by mail. Zil Money credit card processing is easy, quick, and transparent, with a strong uptime record.

What to do if my vendor refuses to accept credit cards?

With Zil Money, you can send money to vendors even if they don't accept credit cards, and they'll receive the funds via wire, checks, ACH, and other methods.

Can I pay by credit card even if my vendors don't accept that?

Yes. Zil Money allows you to use your credit card to pay recipients who don't accept card payments, sending the funds through ACH, wire, or check.

Pay by Credit Card vs No Pay by Credit Card

Zil Money's pay by credit card improves cash flow, speeds up payments, and earns rewards, while capturing vendor discounts. Without Zil Money, payees face high transaction fees and lengthy account setups.
Zil Money - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $49.99/Year

Every Customer Review is a Story of Trust

During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.

Greg Forrest

Owner of Spherion Staffing & Recruiting

Best partner of your life! Zil Money is my new bestfriend!

Sharmaine Buen Maloloy-on

Sales Account Manager at Bigleap Technologies Inc

Looking for better options for your business? Zil Money accompanies you.

Sergio Alvarado Garcia

Community Manager at Rebeca Nails Art

I enjoy using Zil Money for 3 key reasons. Record keeping, as it keeps a database of the checks each unique user has loaded. Being able to navigate and cut checks from different bank accounts. Pulling up the 1099s at the end of the year for vendors and ensuring all of the checks we cut to them can be easily accessed and a number is given.

Alonso Noriega

Accounting Manager at LT Property Management LLC

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