Credit Card Processing

Credit Card Processing using payment software allows quick payments to recipients, simplifies financial tasks, and enhances efficiency without costing the payees. Payers can use their credit cards to send money, earning rewards per transaction, while recipients receive funds through methods like ACH, wire transfers, or checks, even if they don’t accept credit cards directly.

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

Happy Customers

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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.

Pay or Get Paid the Way You Want It

Your vendor or payee might have said no to credit card payments due to fees, or you might have had to add extra charges. But now, with Zil Money, you can pay bills using credit cards without worrying about fees for the payee. Plus, you earn credit card reward points.

Pay or Get Paid the Way You Want It

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.


Cloud Bank

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

Payment Link

Payment Link

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

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


Zil Money is a versatile payment platform that supports various methods like credit cards, printable checks, eChecks, ACH, and wire transfers. It offers customized expense reports, improves cash flow visibility, and consolidates invoice and bill tracking in one place. The platform connects with over 22,000 banks and allows you to link multiple bank accounts, streamlining your accounts payable and receivable management. You can choose from payment methods such as ACH, wire, and transaction checks.

Integration with Banks and Accounting Software

Zil Money connects with over 22,000 banks and financial institutions in the US and Canada and integrates smoothly with accounting software. This integration allows businesses to import bills and invoices easily. You can use the software to send or print checks electronically, making receiving payments directly on your phone simpler.

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


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




Vendor Management: Easily handle bill payments, instant check printing and mailing, invoicing, positive pay, and access User/API features across various platforms.

I had to be very cautious in a disputing situation when the check hasn’t arrived and goes to the bank, digging through all my paperwork.

Frank Czar


Zil Money has made my life easy. Now I can print all the checks on Blank Check Paper and export from my QuickBooks as well. 

Bimal Daftari


I always have to give checks ahead in many situations. Now it’s so easy to keep up. Same way making deposit slips on demand also very easy.

Travis Copeland


I was confused of managing multiple companies as an accountant. I found Zil money then and now everything is just easy.

William Andrews


Total Money Moved

9,520,030,217 +

Total People Paid

1,020,421 +

Total Businesses Satisfied

201,304 +