Fund Multiplier Payroll By Credit Card
Pay employees on time while earning cashback rewards and improving cash flow.
Seamless Payroll Integration
Connect Multiplier payroll with Zil Money to import payroll details effortlessly.
Print & Customize Payroll Checks
Design and print payroll checks from the office or on the go.
Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.
Powering the Future of SME Payments and Finance.
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.
Keep Payroll Running Despite Cash Flow Gaps
Zil Money helps small businesses manage payroll during cash flow shortages by funding it with a credit card. This ensures timely payments, improves liquidity, and earns rewards.
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Use Credit Cards to Cover Payroll Expenses
Move funds from one or multiple credit cards to your business checking account via ACH or wire to cover payroll. Keep employee payments on time while managing cash flow efficiently.
Hassle-Free Employee Payments
Pay employees effortlessly via ACH, wire, or checks using Zil Money. Ensure timely and secure payroll disbursement with flexible payment options.
Why Zil Money!
A technology-first approach
to payments and finance
Easy to Access
High Security
Easy Payment
Pay Rent by Credit Card
Small businesses can utilize a credit card to pay rent through the platform. You can make card payments to your landlord as ACH, wire, or check mail.
Frequently asked questions
Every Customer Review
is a Story of Trust
Cory Edwards
Owner Edwards Holdings Realty
The most helpful part is that Zil money can be used by everyone. It's very easy to navigate. THE USER INTERFACE is very easy to learn. It solves the problem of having various accounting software separately and unable to integrate. It allows all organization seamlessly.