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.

Smart Payroll Funding
Small businesses can fund payroll by credit card with Zil Money, keeping cash reserves intact. Pick a credit card, transfer via ACH or wire, and pay employees on time—hassle-free!
Learn To Fund Payroll By Credit Card See The Interactive Demo
Effortless Payroll Processing – Connect, Fund, and Pay!
Zil Money makes payroll funding fast and effortless—connect your payroll app or enter details manually. Upload your payroll summary, access funds instantly, and pay employees on time!

Why Zil Money!
A technology-first approach to payments and finance
Easy to Access
High Security
Easy Payment

Easily Pay Vendors by Credit Card
Small businesses can pay vendors and suppliers by credit card using Zil Money. Payees get funds via ACH, wire, or check mail—no merchant fees, no hassle!
Earn Rewards on Payroll & Bills
Earn cash-back rewards every time you pay payroll, bills, or invoices with Zil Money. Turn everyday expenses into savings and keep more money in your business!

FREQUENTLY ASKED QUESTIONS
Every Customer Review is a Story of Trust
15-Day Free Trial Available!
No credit card required.
