Fund Warp Payroll By Credit Card

Fund Warp Payroll by Credit Card
Overcome cash flow struggles by using credit cards for payroll funding.

Flexible Payroll Transfers
Transfer funds via ACH or wire based on your business needs for seamless payroll processing.

User-Friendly Payroll Funding
Zil Money’s intuitive platform makes funding payroll with a credit card simple and efficient.

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Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.

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Streamline Vendor Payments and Maximize Cash Flow!

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

  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.
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Emergency Payroll Funding

The Payroll by Credit Card feature provides emergency payroll funding when cash reserves run low. This quick funding solution from Zil Money ensures timely employee payments for your business.

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Import & Pay Payroll in Minutes

Easily import payee details from your payroll software into Zil Money. Simplify payroll processing and ensure timely, accurate payments.

A Man Holding a Laptop. Import & Pay Payroll in Minutes

Pay Rent & Bills Easily

 

Businesses can use Zil Money to pay rent and bills with a credit card, even if recipients don’t accept cards. Payments are processed as ACH, wire, or mailed checks for seamless transactions.

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Why Zil Money!

A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment

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Print or Send Payroll Checks Your Way

Print payroll checks instantly or send them via mail or as eChecks using Zil Money. Ensure secure and timely payments to employees with flexible options.

A Phone Showing Print or Send Payroll Checks Your Way
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Frequently asked questions

FAQ Section
What payroll service allows you to pay with a credit card?
Zil Money is a B2B paytech platform that allows businesses to pay payroll with a credit card. Process payroll after funding it directly from a credit card and ensure timely payment to employees.
Can you pay rent with credit card?
Yes, small businesses can now pay rent from credit cards and earn cash back rewards. With Zil Money, businesses can pay rent directly from their credit card, simplifying payments.
Can you pay a bill with a credit card?
Yes, businesses can pay bills with a credit card using Zil Money. The platform allows you to send payments for bills, utilities, and other expenses, even to vendors who don't accept cards directly.
Debit vs Credit Card
A card deducts money directly from your bank account, limiting spending to available funds. A credit card allows borrowing up to a set limit, offering flexibility, rewards, and short-term financing. You can manage both with Zil Money, as the platform simplifies payroll operations and vendor payments.

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.