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.
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.
- Better Cash Flow!
- Tax Breaks!
- More Rewards!
- Happy Employees!
 
  
 
  
 
 
  
 
- Better Cash Flow!
- Tax Breaks!
- More Rewards!
- Happy Employees!
online business accounts
transaction volume
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.
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.
Learn To Fund Payroll By Credit Card See The Interactive Demo
Import & Pay Payroll in Minutes
Easily import payee details from your payroll software into Zil Money. Simplify payroll processing and ensure timely, accurate payments.
Why Zil Money!
A technology-first approach to payments and finance
Easy to Access
High Security
Easy Payment
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.
FREQUENTLY ASKED QUESTIONS
What payroll service allows you to pay with a credit card?
Can you pay rent with credit card?
Can you pay a bill with a credit card?
Debit vs Credit Card
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