Credit Card Processing For Small Business

Credit Card Processing For Small Business is made simple and convenient through the platform. The adaptable payment platform allows these businesses to accept credit payments as other payment options, including ACH transfers, wire transfers, and checks. This variety helps to accommodate various customer preferences, ensuring that businesses don’t miss out on potential sales due to limited payment methods. Plus, the platform is designed with user-friendliness in mind, making it easy for businesses to set up and start accepting payments quickly.

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

Credit Card Processing For Small Business

Pay Your Vendor with Credit Card

No payee fees

Accept Payment by Credit Card

Easy, Affordable, No Card Reader Needed

Click Here to See Interactive Demo

Happy Customers

New Customers a Week

Transactions Per Week

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.

Detailed Example: Capital One Spark Card

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

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.

Additional Resources

By combining these strategies, the actual cost of using a credit card to handle business expenses can be significantly reduced, while also providing the flexibility to manage cash flow more effectively.

Flexible Payment Options

Flexible Payment Options

One of the most significant advantages of Zil Money is the ability to accept credit card payments in various forms such as ACH, wire transfer, or check. The flexibility gives small businesses the freedom to choose the most suitable and cost-effective option for them. The feature helps companies avoid hefty credit card transaction charges and maintain healthy profit margins. In a competitive business environment, these savings can make a substantial difference to the bottom line.

WHO ARE USING US !!

Upward Scholars
PA
City of Columbia
Law Enforcement Veteran
ST Johns School
AOK Leadership
American Red Cross
ST Louis County Missouri
Subway
City of Columbia
Argonne National Laboratory
Coca Cola
GE
United We Lead Foundation
South Shore Support
BTSN
Ceredowv
American Interiors

Enhanced Security

Zil Money does not compromise on security while offering its credit card processing services. With state-of-the-art encryption and data protection measures, credit card processing for small business and other financial transactions is well protected. This assurance is particularly crucial for small businesses, which may face devastating consequences in the event of a data breach or financial fraud. By prioritizing security, Zil Money helps businesses build trust with their customers, which in turn boosts customer loyalty and retention.

Enhanced Security

Features at Your Fingertips

From accounts payable and receivable functionalities to comprehensive online payment and beneficial integrations, Zil Money can meet the payment management requirements of all types of businesses.

Check Printing

Check Printing

Drag and drop to instantly create checks & print using any printer.

Pay By Credit Card

Pay By Credit Card

Use credit cards even when your vendors don't accept them.

ACH Payment

ACH Payment

Make one-time or recurring ACH/RTP payments in one click.

Wire Transfers

Wire Transfers

Send money electronically from one financial institution to another.

Bill Pay

Bill Pay

Pay & schedule bills online, managing supplier payments & reducing risk.

Digital Checks

Digital Checks

Digitize your paper checks and make your payments via email or text.

Software Integration

Software Integrations

Integrate Zil Money with your accounting and payroll software.

Zil.us

Cloud Bank

Open an online checking account with Zil.US. Streamline payment management & save.

Payment Link

Payment Link

Create and send a secure URL for customers to make online payments easily.

Reliable Customer Support

Reliable Customer Support

When it comes to financial services, reliable customer support is critical, and Zil Money understands this. The platform provides excellent customer service to resolve any issues quickly and efficiently. For small businesses, this kind of dependable support can be invaluable, saving precious time and effort that can be better utilized elsewhere. Zil Money’s commitment to customer service ensures that businesses can focus on what they do best – serving their customers.

CROSS PLATFORM SUPPORT

Use the application on your desired platforms. Install the application on your mobile devices and enjoy the features from anywhere at anytime. A user-friendly platform to manage all your financial aspects under one roof from your smart devices.

Scalable Solutions

Zil Money offers scalable credit card processing solutions. As your small business grows and evolves, so too will your needs and challenges. Zil Money is designed to grow with you, adapting to your changing needs and providing a consistent level of service regardless of the scale of your operations. This scalability means that you won’t outgrow the platform, making it a long-term investment that supports your business at every stage of its growth journey.

Scalable Solutions

FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions(FAQ)

Why credit cards are better than cash?

Credit card payments help businesses allocate their cash in hand for more important financial requirements. Sign up with Zil Money to make seamless credit card payments.

How accept credit card payments?

Zil Money is the easiest way to accept credit card payments. You don't even need and merchant account to accept credit card payments. Choose between ACH, wire transfer, or check to accept credit payments and eliminate any transaction cost.

Can you send money with a credit card?

With Zil Money, you can send money to anyone with a credit card, even if they are not accepted. Eliminate the payee charges by choosing from various options like ACH, check, or wire for the payee to accept. Join Zil Money and enjoy the benefits that come with it.

Credit Card vs Debit

Debit and credit cards are two common types of card payments. Credit cards are a convenient type of card payment that is generally not accepted by everyone. However, with Zil Money, you can pay and get paid with a credit card seamlessly. Zil Money offers a comprehensive solution tailored to credit card processing for small business.
Zil Money - Cloud Based Platform
Fintech Software
RATING: 4.6 ( 10164 ratings )
Price: $49.99/Year

Trusted By The Leading Brands Around The World

AOK Leadership
Subway
American Red Cross
ST Johns School
Argonne National Laboratory

Secure and reliable platform. In addition to being easy to use and very intuitive.

______________________

Bruno G

Zil Money is a great company they help us to manage our money. I always have difficult with that, but with Zil I can have the control of my money.

______________________

Liliana M

A very helpful financial company that facilitates customer services in the best way. thinks seriously about its customers with practically every

______________________

Paloma G