Credit Card Processing For Small Business
Easily Print Checks with ABA Numbers –
Print checks on demand with your account and ABA numbers using Zil Money.
Create Checks from Anywhere –
Easily create and print checks from home or office using any printer and blank stock papers.
Enhanced Security –
Blank check stock offers high-level security, keeping sensitive banking data private.
Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks.
Instant Payments, No Barriers – Pay Anyone by Credit Card Today!
1M+
online business
accounts
100B+
transaction
value
16M+
checks
processed
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 2.90% process fee, reducing the effective cost.
Tax Benefits
Tax-Deductible Fees: The 2.90% 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
- Process Fee: 2.90%
- Cash Back: 2%
- Tax Break: 0.06%
- Final Fee: 0.35%
- Additional Benefit: 30-45 days of cash flow management and float revenue.
Pay Rent with Your Credit Card
- Pay rent using your credit card, even if your landlord doesn’t accept cards.
- Zil Money processes your payment and sends it to your landlord via ACH, wire, virtual card, etc.
Click Here for an Interactive Demo
Access Zil Money Anywhere
- Access Zil Money from your laptop, mobile, or tablet.
- Download the use-friendly app from Google Play Store or the Apple App Store and manage payments on the go.
Pay Payroll with Your Credit Card
- Fund your checking account from your credit card via ACH or wire.
- Distribute payroll easily via the multiple payment options offered by Zil Money.
Why Zil Money!
A technology-first approach
to payments and finance
Easy to Access
High Security
Easy Payment
Accept Credit Card Payments Fast
Send a payment link to your clients via email or SMS, and they can pay via credit card in seconds.