Pay APS Payroll By Credit Card
Pay APS Payroll by Credit Card and avoid cash flow disruptions.
Keep your cash reserves intact while funding payroll securely.
Earn cash back rewards and reduce tax out-go on business expenses.
Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.
From Payroll to Trade Finance – One Platform, All Payments.
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
- 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.
Payroll Without Delays
Move funds from your credit card to your business checking account through ACH or wire. Ensure stress-free payroll payments without straining your working capital.
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More Rewards, Less Stress
Pay payroll with your credit card and collect cashback, reward points, and travel miles. Enjoy financial flexibility while earning valuable perks.
Payroll Without Surprises
Pay payroll with confidence using a pricing model that’s clear and fair. Keep more money in your business with no unexpected charges.
Why Zil Money!
A technology-first approach
to payments and finance
Easy to Access
High Security
Easy Payment
Security You Can Rely On
Keep payroll funds safe with Zil Money’s advanced security measures. Ensure fast and secure employee payments without risks.
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.