Unlock Working Capital – Pay Anyone by Credit Card.
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.
Cash Flow Issues? Payroll Doesn’t Have to Wait!
- Unexpected expenses or slow receivables shouldn’t disrupt payroll.
- Use Zil Money to pay payroll via credit card and preserve working capital.
- Ensure employees are paid on time while maintaining financial flexibility.
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Turn Payroll into Profits
- Earn cashback, travel points, or rewards on every payroll payment.
- Offset transaction fees and turn payroll into a financial advantage.
Transfer Credit Card Funds Effortlessly!
- Don’t let limited bank funds slow you down—fund payroll instantly.
- Transfer money from your credit card to your checking account via ACH, RTP, or wire instantly.
Why Zil Money!
A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment
Payroll Your Way
- Distribute payroll instantly via virtual cards or eChecks.
- Print paychecks instantly on blank stock papers or let the platform print and mail your checks.
- Send salaries securely via ACH, wire, etc.



