Fund OnPay Payroll By Credit Card

Fund payroll with your credit card to keep cash flow steady and avoid delays.

Reduce operational costs by earning rewards and saving on taxes.

With Zil Money, easily pay your employees on time using your credit card, hassle-free.

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Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.

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Empowering SMEs with Smart Finance – Pay Vendors, Manage Cash Flow, Grow Faster!

1M+

 

online business
accounts

91B+

 

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

  1. Process Fee: 2.90%
  2. Cash Back: 2%
  3. Tax Break: 0.06%
  4. Final Fee: 0.35%
  5. Additional Benefit: 30-45 days of cash flow management and float revenue.
A Man Holding a Credit Card and Smartphone to Fund Payroll with Multiple Credit Cards

Fund Payroll with Multiple Credit Cards

 

With Zil Money, you can easily fund your checking account using one or multiple credit cards via ACH, wire, or RTP.

A Man Holding a Credit Card and Smartphone to Fund Payroll with Multiple Credit Cards

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A Man Using a Phone To Make Payments. No More Cash Flow Worries

No More Cash Flow Worries

With Zil Money, you no longer need to stress over cash shortages. Fund your payroll directly with your credit card, ensuring your employees get paid on time, every time.

A Man Using a Phone To Make Payments. No More Cash Flow Worries

Earn Rewards and Boost Your Credit Score

 

Paying payroll with your credit card through Zil Money not only helps you earn valuable rewards and cashback but also improves your credit score. Turn payroll payments into financial gains while strengthening your credit profile.

Earn Rewards and Boost Your Credit Score

Why Zil Money!

A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment

A Man Holding a Laptop Showing to Distribute Payroll Your Way

Distribute Payroll Your Way

Zil Money gives you the flexibility to distribute payroll via ACH, wire transfer, virtual cards, and more. Choose the payment method that fits your business needs and simplify your payroll process with ease.

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Frequently asked questions

FAQ Section
Can you pay payroll with a credit card?
Yes, you can pay payroll with a credit card easily with Zil Money. Sync your payroll software with the platform and process payroll as usual. Zil Money charges your credit card and funds your business checking account.
How to pay rent with credit card?
Pay rent with credit card directly from Zil Money and the payee will receive the payment as ACH, wire or check mail. Users can benefit from credit card rewards while improving cash flow.
Why is payroll important?
Payroll refers to calculating wages and paying employees. It is important because you need to pay employees on time to build trust and avoid legal issues. You can print payroll checks and fund payroll by credit card with Zil Money for smooth payroll operations.
eCheck vs Credit Card
An eCheck is the digital form of paper checks and it allows direct transfer of funds from a personal or business account. Credit cards allow users to borrow money up to a set limit for immediate payments. You can send eChecks to employees and fund payroll by credit card from Zil Money.

Every Customer Review
is a Story of Trust

"
During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.