Pay By Credit Card

Pay By Credit Card allows businesses to pay rent, taxes, and payroll easily, even if the recipient doesn’t accept credit cards. Vendors, suppliers, and contractors receive payments through checks, ACH, wire transfers, or virtual cards without incurring merchant fees. You can select the payment method that suits them best and earn card points on every purchase.

Pay Vendors Using Credit Cards, Regardless of Whether They Accept Card Transactions.

Zil Money is a financial technology company, not a bank or an FDIC member. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.


Pay Your Payroll with Credit Card

Seamlessly run any payroll with our cutting-edge credit card solution

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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 2.95% process fee, reducing the effective cost.

Tax Benefits

  • Tax-Deductible Fees: The 2.95% 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.

Detailed Example: Capital One Spark Card

  • Process Fee: 2.95%
  • Cash Back: 2%
  • Tax Break: 0.06%
  • Final Fee: 0.35%
  • Additional Benefit: 30-45 days of cash flow management and float revenue.

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.

Additional Resources

By combining these strategies, the actual cost of using a credit card to handle business expenses can be significantly reduced, while also providing the flexibility to manage cash flow more effectively.

Pay by Credit Card: Payees Receive as Checks, ACH, Wire

Pay by Credit Card: Payees Receive as Checks, ACH, Wire, and Virtual Cards

Your vendor might have declined credit card payments in the past due to the associated transaction fees, or they might have requested an extra cost to compensate for these charges. The annoyance of credit card fees is no longer a concern. You can use credit cards, the payee doesn’t have to worry about transaction charges, and you can retain all your credit card reward points. Begin your subscription with today to start enjoying this advantage immediately.

Features at Your Fingertips

From accounts payable and receivable functionalities to comprehensive online payment and beneficial integrations, Zil Money can meet the payment management requirements of all types of businesses.

Check Printing

Check Printing

Drag and drop to instantly create checks & print using any printer.

Pay By Credit Card

Pay By Credit Card

Use credit cards even when your vendors don't accept them.

ACH Payment

ACH Payment

Make one-time or recurring ACH/RTP payments in one click.

Wire Transfers

Wire Transfers

Send money electronically from one financial institution to another.

Bill Pay

Bill Pay

Pay & schedule bills online, managing supplier payments & reducing risk.

Digital Checks

Digital Checks

Digitize your paper checks and make your payments via email or text.

Software Integration

Software Integrations

Integrate Zil Money with your accounting and payroll software.


Cloud Bank

Open an online checking account with Streamline payment management & save.

Payment Link

Payment Link

Create and send a secure URL for customers to make online payments easily.

Use Pay by Credit Card with No Worries About Transaction Costs

With Zil Money, you can use credit cards without worrying about transaction fees or extra charges. Enjoy the convenience of paying with credit cards, keep all your reward points, and avoid any additional costs. Experience hassle-free transactions and maximize your credit card benefits with Zil Money.

Pay by Credit Card Without Stress; Maintain a Steady Cash Flow


In total transaction volume


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Monthly business users


Total users, and growing

Pay by Credit Card Without Stress; Maintain a Steady Cash Flow

Mail Check Payment from Credit Card and Wallet

Zil Money offers an easy way to receive mail checks from credit card and wallet payments. This feature simplifies transactions, enhancing efficiency and security. By integrating credit cards and wallets, users can manage payments effortlessly, making Zil Money a valuable tool for modern finance.

Why Zil Money!

A technology-first approach to payments and finance

Easy to Access

High Security

Easy Payment

Maintain Cash Flow

Never worry about running out of cash again, with Zil Money covering your payments. Small businesses often face cash flow challenges, but not anymore! Zil Money ensures you can swiftly pay your vendors and suppliers, avoiding any cash crunch with instant fund availability.

Pay by Credit Card Without Stress; Maintain a Steady Cash Flow


Frequently Asked Questions(FAQ)

What to do if my vendor refuses to accept credit cards?

With Zil Money, you can process credit card payments for vendors who don't accept them. Your vendor won't receive funds as credit card payments but as checks, wire, or ACH. 

Can I pay by credit card even if my vendors don't accept that?

Yes. Zil Money handles your credit card payments seamlessly, even if the recipient doesn't accept cards. Rest assured, the payee receives payment via ACH, wire, or check, ensuring flexibility and convenience in every transaction.

What to do if my landlord refuses to accept credit cards?

Rest easy knowing that Zil Money has you covered even if your landlord doesn't accept credit card payments. The platform can process your payments and send them seamlessly as ACH, wire transfers, or checks, ensuring you never miss a payment and providing convenient options to manage your finances hassle-free.

Pay by Credit Card vs No Pay by Credit Card

Paying via credit card with Zil Money enhances cash flow, facilitates timely payments, and earns rewards on your card while capturing early pay discounts from vendors. Without Zil Money, the payee may encounter high transaction costs and time-consuming account creation processes, making Zil Money an invaluable asset in streamlining transactions and maximizing benefits.
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Secure and reliable platform. In addition to being easy to use and very intuitive.


Bruno G

Zil Money is a great company they help us to manage our money. I always have difficult with that, but with Zil I can have the control of my money.


Liliana M

A very helpful financial company that facilitates customer services in the best way. thinks seriously about its customers with practically every


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