From Payroll to Trade Finance – One Platform, All Payments.
1M+
online business
accounts
100B+
transaction
value
20M+
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.
Click Here for an Interactive Demo
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.
Earn Rewards While Paying Payroll!
- Earn cashback, points, or miles on every transaction.
- Offset costs while keeping employees paid on time.
Why Zil Money!
A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment
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.




