Pay Sure Payroll by Credit Card

  • Pay Sure Payroll by Credit Card Easily with Zil Money.
  • Transfer Credit Card Funds to Your Business Checking Account Instantly!
  • Split Payroll Between Credit Cards for More Flexibility!
  • Earn Cashback & Rewards While Paying Employees!

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Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.

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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

  1. Process Fee: 2.90%
  2. Cash Back: 2%
  3. Tax Break: 0.06%
  4. Final Fee: 0.35%
  5. Additional Benefit: 30-45 days of cash flow management and float revenue.
A Women Holding a Smartphone And A Credit Card. Solve Cash Flow Issues with Payroll Funding

Get Payroll Funds Fast with Zil Money!

  • Easily transfer money from your credit card to your checking account via ACH, wire, or RTP.
  • Receive payroll funds within 1-3 business days and pay employees on time.
A Women Holding a Smartphone And A Credit Card. Solve Cash Flow Issues with Payroll Funding
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A Man Holding a Smartphone Sync Deel & Pay Employees with Ease

Split Payroll Payments Between Two Credit Cards!

  • Single-card limits may not cover full payroll expenses.
  • Split payroll payments between two credit cards for better fund management.
  • Optimize available credit and avoid maxing out a single card.
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Earn Rewards While Paying Payroll!

  • Earn cashback, points, or miles on every transaction.
  • Offset costs while keeping employees paid on time.
A Phone Showing Check Mailing Print or Mail Payroll Checks with Ease

Why Zil Money!

A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment

A Women Holding a Smartphone And A Credit Card. Pay Vendors by Credit Card with Ease

Manage Payroll Anywhere – Mobile & Desktop!

 

  • Use Zil Money on your laptop, tablet, or phone anytime.
  • Download the user-friendly app from the Google Play Store or Apple App Store for easy payroll access.
A Women Holding a Smartphone And A Credit Card. Pay Vendors by Credit Card with Ease
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Frequently asked questions

FAQ Section
How to use a credit card to pay payroll?
Small businesses can now use a credit card to pay payroll through Zil Money. The cloud-based platform offers a special Payroll by Card feature that allows you to fund payroll directly from your business credit card.
Can you use a credit card to pay rent?
Yes, businesses can pay rent and bills directly from a credit card and the payee will receive the funds as ACH, wire or check mail. This flexible payment option can be used to overcome shortage of funds and make sure that employees are paid on time.
How do credit cards reward work?
Credit card rewards usually include cash back, travel miles and points that can be exchanged for gift cards or other services. By funding your payroll from a credit card through Zil Money, businesses can take advantage of credit card rewards and offset costs.
Payroll vs Paycheck
Payroll simply means calculating employee salaries, bonuses and tax deductions and distributing wages. Paycheck refers to the actual payment made to an employee for their work. With Zil Money, small businesses can simplify payroll funding and print payroll checks.

Every Customer Review
is a Story of Trust

"
During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.