Using credit cards to pay bills is a smart move for many small businesses—especially when cash flow is tight. Sometimes, money from clients takes time to come in, but bills don’t wait. The problem? Not all vendors take credit cards. That’s where things get tricky.
Every business owner knows the pressure—paying vendors on time, covering utilities, and making sure payroll happens without a hitch. When cash is stuck, it can feel like juggling too much at once. Zil Money solves this. The platform lets businesses use their credit cards to pay any bill, even if the vendor doesn’t take the cards. It’s a simple way to stay on track and avoid stress.
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Making Bill Payments Easier with Zil Money
Zil Money is a cloud-based platform designed to help small businesses pay bills using their credit cards—whether the vendor accepts cards or not. It’s simple: use the card you already carry, and Zil Money converts the transaction into the method your vendor prefers. ACH transfer, wire, or even check mail—it’s all handled for you.
The platform is easy to use, with no extra software or confusing setups. Just log in from your phone, tablet, or computer, enter the payment details, and you’re good to go.
From managing cash flow to taking advantage of rewards, it’s a smarter way to stay in control without juggling workarounds.
5 Ways Zil Money Helps to Use the Credit Cards to Pay Bills
Here are five features that make Zil Money a reliable platform for bill payments through credit cards:
1. Use Cards Even When Vendors Don’t Accept Them
- Pay any vendor, even those that only take ACH or checks.
- Zil Money processes your card payment and sends it as ACH, wire, or check mail.
- Vendors receive full payment—no cuts, no deductions.
2. Earn Rewards While Covering Bills
- Earn cashback by routing expenses through your business credit card.
- With a 2.95% processing fee, the expense can be recorded as a business cost—offering potential tax relief while keeping payments convenient.
3. Improve Cash Flow Flexibility
- Extend payment timelines by using your credit card’s grace period.
- Get 30 to 45 days of extra time before your card bill is due.
- Great for handling short-term expenses or emergencies.
4. Pay Without Burdening Vendors
- Some vendors avoid cards due to processing fees.
- With Zil Money, they don’t deal with any fees—it’s a win-win situation.
- This removes payment resistance and builds better vendor relationships.
5. Manage Everything in One Dashboard
- Track paid, pending, and upcoming payments in real time.
- Access from phone, tablet, or computer anytime.
- Perfect for business owners on the move.
Credit Card Usage Is Climbing Fast in the U.S.
More and more businesses are turning to credit cards to manage their operations. Today, over 800 million credit cards are in use across the U.S., and the average American holds about four cards, whether in their wallet or a digital app.
They’re not just being carried—they’re being used. Roughly one out of every three transactions in the U.S. happens via credit card. In 2022, credit card spending jumped over 8% compared to the previous year, even outpacing the economy’s growth.
It’s a clear sign that businesses are leaning on credit cards not just for purchases but for smarter payment strategies.
How Other Businesses Are Using Zil Money
Different industries are making the most of credit card payments using Zil Money. Here’s how:
- Construction Firms: Pay suppliers through credit cards, even when the supplier wants ACH or check. This helps them keep projects on track without any cash delays.
- Marketing Agencies: Cover contractor costs and ad bills while earning cashback rewards on every dollar spent.
- Retailers: Handle inventory restocking using credit cards and keep their cash free for walk-in operating costs.
Each case shows how credit cards, when used with the right platform, can solve real problems and reduce stress around cash flow.
Thinking Beyond Basic Payments
Paying bills doesn’t have to be boring or stressful. It can be an opportunity to earn rewards, improve financial flexibility, and keep vendors happy without compromise.
That kind of thinking—using available tools in smarter ways—is what helps small businesses grow stronger. It’s not about adding complexity. It’s about using what’s already in your pocket to solve problems more easily.
Platforms like Zil Money turn an ordinary credit card into a complete payment solution—without asking vendors to change things.
Ready to Take Control?
Small business owners across the U.S. are already unlocking more value from their existing credit cards by using Zil Money. If paying vendors, suppliers, or monthly bills feels like a hassle—or a constant drain on your cash—it’s time to explore a simpler way.
Use credit cards to pay bills with flexibility, earn rewards, and never worry about whether a vendor will accept cards again. Zil Money keeps your business moving—anytime, anywhere.
