Three things logistics operations need.
Drivers paid. Fuel controlled. Freight rolling. No factoring fees.
Pay Drivers Without Waiting for Shippers
- The Wallet Strategy: Shipper paid you? Pay drivers directly from your wallet balance.
- The Credit Card Strategy: Shipper payment pending? Pay drivers with credit card they get paid, your card due after shipper pays.
Impact
Never tell drivers “payment coming next week”
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Control Fuel Costs with Virtual Cards
Issue virtual cards to each driver with spending limits. Track fuel purchases in real-time. Freeze, unfreeze, or adjust limits instantly. No more personal fuel cards or cash advances. Complete expense visibility by truck.
Impact
Fuel fraud eliminated, spending controlled, accounting simplified
← ••• →
Eliminate Factoring Fees Completely
Use credit card to pay drivers and fuel before shipper pays. Bill shippers with payment links. Collect to wallet. Keep 3-5% factoring fees as profit.
Impact
Margin improvement without factoring costs
← ••• →
Everything logistics companies need.
Driver & Owner-Operator Payments
Pay company drivers, owner-operators, lease drivers. From wallet or credit card. Weekly or per-load settlements. Direct deposit with professional pay stubs. Bulk processing available.
Virtual Cards for Driver Fuel
Issue virtual cards to each driver. Set spending limits per card. Restrict to fuel purchases only. Track every transaction in real-time. Freeze, unfreeze, replace cards instantly. Eliminate cash advances and personal card reimbursements.
Credit Card Payment Flexibility
Pay any expense with business credit card when cash is tight. Drivers, fuel, maintenance, carriers all payable via card. 30-45 day float bridges shipper payment timing. Earn rewards on necessary expenses.
Carrier & Broker Payments
Pay carriers if you’re a broker. Pay brokers if you’re a carrier. From wallet or credit card. Quick pay compliance and W-9 tracking built-in.
Shipper Invoice & Collection
Send freight invoices with payment links. Shippers pay via ACH or credit card. Track detention, demurrage, accessorial charges. Net-30 terms monitored automatically.
Fuel Station Payments
Pay fuel directly (credit card or wallet) or use virtual cards for driver purchases. Track fuel costs by truck, driver, or route. Integration with major fuel networks. Complete fuel expense visibility.
Maintenance & Equipment Payments
Truck maintenance, tire services, equipment repairs, trailer rental. Pay from wallet or credit card. Track expenses by truck or trailer. Keep equipment operating.
Detention & Accessorial Billing
Bill detention time, demurrage, layover, lumper fees. Include in main invoice or bill separately. Track by load and customer. Ensure all charges collected.
Built for driver fuel control.
Per-Driver Virtual Cards
Issue unique virtual card to each driver. Set individual spending limits. Driver uses card at any fuel station. Every purchase tracked in real-time. No more cash advances or receipt chasing.
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Real-Time Spending Controls
Adjust spending limits instantly from mobile app. Freeze card immediately if driver leaves. Restrict purchases to fuel-only or specific merchant types. Prevent unauthorized spending before it happens.
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Complete Fuel Visibility
See every fuel purchase by driver, truck, location, date. Track fuel efficiency by route or load. Identify unusual patterns or fraud. Export data for accounting and tax purposes.
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No More Reimbursements
Drivers don’t use personal cards or cash. No expense reports to process. No reimbursement checks to cut. Automatic expense categorization. Clean accounting records.
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Instant Card Replacement
Card lost or compromised? Generate new virtual card number instantly. No waiting for physical card in mail. Driver back on road immediately. Zero operational disruption.
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Built for all freight operations.
Freight Brokers
What You Need: Pay carriers before shippers pay, eliminate factoring fees, manage multiple loads, tight margin protection
What You Get
- Pay carriers with credit card before shipper pays
- Collect from shippers via ACH
- Eliminate 3-5% factoring fees completely
- Bulk carrier payments from wallet
Trucking Companies (Asset-Based)
What You Need: Weekly driver settlements, fuel cost control, shipper payment delays, equipment maintenance
What You Get
- Driver settlements from wallet or credit card
- Virtual cards for driver fuel with spending limits
- Equipment payments before shipper pays
- Shipper collection with payment links
Owner-Operators
What You Need: Fuel upfront, broker payment delays, expense tracking, simple setup
What You Get
- Credit card for fuel at any truck stop
- Invoice brokers with payment links
- Simple expense tracking for taxes
- No complicated processes
3PL & Logistics Providers
What You Need: Multiple carrier payments, various shippers, complex billing, technology integration
What You Get
- Bulk carrier payments
- Multi-shipper invoice management
- TMS system integration
- Virtual cards for operational expenses
Drayage & Intermodal
What You Need: Port charges immediate, driver per diem, shipper delays, documentation
What You Get
- Pay demurrage and chassis fees immediately
- Driver per diem processed efficiently
- Accessorial charge tracking
- Credit card covers port-related charges
LTL & Regional Carriers
What You Need: Multiple daily settlements, fuel across terminals, operational complexity, volume processing
What You Get
- High-volume driver settlements automated
- Virtual cards for terminal fuel management
- Multi-location expense tracking
- Complete P&L by terminal or lane
Keep 3-5% instead of paying factors.
Traditional Factoring Cost:
Submit invoice to factor → Receive 90-95% → Factor collects from shipper → Lose 3-5% of every load to factoring fees
Zil Money Approach:
Pay drivers/fuel with credit card → Bill shipper with payment link → Collect to wallet → Card payment covered → Keep the 3-5% as profit
The Margin Impact:
Freight revenue annually: Your volume Factoring at 4%: 4% lost on every load
Zil Money credit card: ~2.9% only when needed, wallet payments direct from your balance
How it actually works.
For Freight Brokers
Load Booked
Accept load from shipper → Book carrier
Delivery
Load delivered → Pay carrier with credit card (if shipper hasn’t paid yet)
Billing
Send shipper invoice with payment link → Shipper pays to wallet
Card Payment
Shipper payment in wallet → Card bill due → Payment covered
Next Load
Use wallet balance to pay carrier directly OR use credit card again if needed
For Trucking Companies
Load Delivered
Complete delivery → Submit paperwork
Driver Settlement
Calculate driver pay → Pay from wallet OR credit card (if shipper hasn’t paid)
Fuel Management
Drivers use virtual cards → Spending limits enforced → Real-time tracking
Shipper Invoice
Send invoice with payment link → Collect to wallet
Operating Cycle
Wallet balance funds next week’s operations
Works with logistics systems.
TMS Platforms
- McLeod
- TMW
- Axon
- TruckMate
Load data synced, invoicing coordinated, payment processing integrated
← •••• →
Accounting
- QuickBooks
- Xero
All transactions categorized by load, driver, truck, lane, customer
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Fuel Networks
- Major truck stops and fuel networks
Virtual cards work everywhere, real-time tracking
← •••• →
Load Boards
- DAT
- Truckstop
- 123Loadboard
Payment coordinated with load booking and execution
← •••• →
Freight-grade payment security
SOC 2 Certified
Independently audited security
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PCI DSS Compliant
Secure card payment processing
← •••••• →
Bank-Level Encryption
256-bit AES for all data
← •••••• →
FDIC Partner Banks
Banking through FDIC members
← •••••• →
Virtual Card Security
Instant freeze/unfreeze, real-time alerts
← •••••• →
Quick Pay Compliance
Proper carrier payment documentation
← •••••• →
What logistics companies ask
Issue virtual card to each driver. Set spending limits. Driver uses card at any fuel station. Track every purchase in real-time. Adjust limits, freeze cards, or replace instantly from mobile app. Eliminates cash advances and personal card reimbursements.
Yes. Set spending limits per card. Restrict to fuel purchases only or specific merchant types. Adjust limits in real-time. Freeze or unfreeze cards instantly. Complete control over every dollar spent.
Pay drivers and fuel with credit card or virtual cards before shipper pays. Bill shipper with payment link. Collect to wallet (zero ACH fees*). Card payment covered after shipper pays. No factoring fees eating 3-5% of every load.
Use credit card to pay drivers immediately. They get paid on time. Card payment due 30-45 days—after shipper payment arrives. Bridges timing gap without factoring.
Send freight invoice with integrated payment button. Shipper clicks, pays via ACH (zero fees to you*) or credit card. Faster than traditional invoicing. Automatic payment tracking.
Automatic tracking throughout the year. Generate 1099-NEC forms at year-end with one click. IRS-ready documentation maintained.
Transparent pricing for logistics.
What You Pay
Platform:
Start now
Virtual Cards:
Included, no per-card fees
Wallet payments
ACH, wire, check, and card from one balance
Credit card payments:
Standard processing rates (typically ~2.9%)
ACH shipper collections to wallet:
Included
What You Get
Factoring fees:
3-5% eliminated completely
Fuel fraud:
Virtual card controls prevent unauthorized spending
Driver payment :
One wallet balance for every payment
Shipper collection :
Fast ACH and card options
Traditional Logistics Operations
Pay 3-5% factoring fees on every load
Fuel fraud and uncontrolled spending
Delay driver pay waiting for cash
Manual expense tracking
Zil Money Approach
Virtual cards control every fuel dollar
Pay drivers immediately wallet or credit card
Bill shippers directly
Keep 3-5% factoring fees as profit
✓ Virtual Cards with Spending Controls
✓ Direct Wallet Payments, No Middleman
✓ No Factoring Needed
✓ SOC 2 Certified