Pay By Credit Card

Pay By Credit Card to any establishment; conveniently handle rent, taxes, and payroll, even if they don’t accept card payments. Your vendors, suppliers, or contractors receive payments in the form of checks, ACH, or wire transfers, with you having the liberty to select the mode of payment. Rack up reward points on every transaction you make.

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

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.

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

Never Encounter a Cash Deficit; We’re Here to Handle Payments for You. Opt to Utilize Your Funds or Ours in Every Transaction.

Often, small businesses face a cash squeeze as they have to compensate their vendors and suppliers faster than their customers clear their dues. That’s a problem of the past now! With, you can settle your business invoices swiftly, thanks to the immediate availability of funds.

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


In total transaction volume


Connected banks & financial institutions


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 simplifies receiving mail checks by allowing users to make payments from their Credit Card and Wallet. This innovative feature streamlines transactions and enhances efficiency. Users can securely integrate credit cards and wallets for seamless payment management, making Zil Money a valuable tool for modern financial transactions.


Frequently Asked Questions(FAQ)

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

Don't worry at all! Your vendor will not receive funds as credit card payments but as checks or ACH. You can set up Zil Money to process credit card payments for vendors who don't accept them. You provide us with the payment information, and we will take care of the rest. The program can send payments electronically using ACH or by issuing a check.

Does my vendor/supplier have to pay any charge for receiving pay by credit card payments?

Importantly, no. We don't charge your vendor an additional fee because they accept payments with pay by credit card. Instead, you pay a small 2.95% fee for each transaction – an industry-standard cost of doing business.

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

Yes, you can! Zil Money handles your credit card payment and then processes the vendor's payment by ACH or check. This means that a vendor will be paid through the company, but you will get to pay by credit card, earning rewards and deferring payments to manage your cash flow better.

Pay by Credit Card with Zil Money vs Pay by Credit Card without Zil Money

Payment via credit card with Zil Money enhances your cash flow, makes time-sensitive payments, and earns rewards on your card while capturing early pay discounts from vendors.
Without Zil Money, the payee suffers from high transaction costs and time-consuming account creation processes.
Zil Money - Cloud Based Platform
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City of Columbia

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


Paloma G