Fund Plane Pilot Payroll By Credit Card
Keep payroll smooth and cash flow steady.
No More Delays
Fund payroll instantly with your credit card.
Better Cash Flow
Utilize billing cycles and grace periods.
Extra Perks
Earn cashback, rewards, and tax deductions.
 
  
 
  
 
 
  
 
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.
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:Â 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.
Instant Funds for Paydays
Skip the stress of low cash reserves. Zil Money funds your payroll via credit card and transfers the money directly to your payroll account.
Click Here for an Interactive Demo
Smart Payroll Management
Fund payroll using your credit card and send payments via ACH or wire transfer while keeping your finances flexible.
Pay Now, Settle Later
Avoid cash flow crunches by funding payroll with your credit card. The grace period lets you settle payments later while ensuring employees get paid on time.
Why Zil Money!
A technology-first approach
to payments and finance
Easy to Access
High Security
Easy Payment
Turn Expenses into Earnings
Use your credit card for payroll and take advantage of cashback or reward programs. Enjoy financial perks while keeping your payroll process smooth.
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.