Pay Paychex Flex® payroll by credit card
Pay your Paychex Flex payroll with your business credit card through Zil Money. Keep cash in your bank account longer for other business needs and earn the rewards offered by your card. A 2.9% fee applies when you pay by card.
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Keep cash available
Keep cash in your bank account until your card payment is due.
Earn card rewards
Earn the rewards offered by your business credit card.*
Possible tax deduction
The 2.9% fee may be deductible as a business expense. Ask your tax adviser.
See it in action
Take a self-guided walkthrough of paying Paychex Flex payroll by credit card in Zil Money.
Pay Paychex Flex payroll by card in three steps
Keep managing payroll in Paychex Flex. Use Zil Money to fund the payroll payment with an eligible business credit card.
Create your Zil Money account
Sign up with your business information.
Connect Paychex Flex
Connect the Paychex Flex account you use for payroll.
Review and pay by card
Choose an eligible business credit card. Review the payroll amount, 2.9% fee, and total before submitting the payment.
Your payroll remains in Paychex Flex. Zil Money changes how you fund the payroll payment.
See the cost
Enter your payroll amount to see the 2.9% fee and estimated card benefits.*
Estimates are for illustration only. Actual results depend on your card, bank, and tax situation.*
Why pay payroll by credit card?
Pay payroll on time while keeping more cash available for your business.
Keep cash available
Keep cash in your bank account until your card payment is due.
Keep using Paychex Flex
Continue managing payroll in Paychex Flex as usual.
Track card-funded payroll
View payroll payments funded through Zil Money.
Earn card rewards
Earn the rewards offered by your business credit card.*
Pay payroll with your business credit card
Keep using Paychex Flex. Use Zil Money to pay by card.
How the timing works
Zil Money works alongside Paychex Flex, not instead of it.
Paychex Flex keeps running payroll as usual. Paying by card through Zil Money means the cash leaves your bank account later, not on payroll day.
Bank account or business credit card
See the difference between paying from your bank account and paying by card.
| Bank Account | Business Credit Card | |
|---|---|---|
| When cash leaves | When payroll is paid | When your card payment is due |
| Card rewards | No card rewards | Based on your card program |
| Cash in your bank | Drops when payroll is paid | Stays available until your card payment is due |
| Zil Money fee | Not applicable | 2.9% per transaction |
Frequently asked questions
How do I get started?
Create your Zil Money account and follow the steps to connect Paychex Flex.
Does Zil Money replace Paychex Flex?
No. Keep using Paychex Flex to manage payroll. Zil Money gives you another way to pay for it.
Will my employees be paid differently?
Your payroll stays in Paychex Flex. Zil Money changes how you fund it.
How much does it cost?
A 2.9% fee applies when you pay payroll by credit card. Use the calculator above to see what that adds up to for your payroll.
Does my trial period cover the 2.9% fee?
No. The 2.9% fee applies to every card-funded payroll transaction, including the first one. Zil Money’s 15-day trial period covers other platform features, like bill pay and check printing. It does not waive or delay the card processing fee.
Which cards can I use?
Most business credit cards work with Zil Money. Acceptance may vary by card and transaction.
What happens if my card is declined?
Use another payment method, or contact Zil Money Support for help.
How is my information protected?
Zil Money holds SOC 1 and SOC 2 reports, ISO/IEC 27001, ISO 9001, and ISO 20000 certifications, and is PCI DSS and HIPAA compliant, the same certifications shown above. Your Paychex Flex connection uses that same infrastructure.
Can paying payroll by card affect my business credit?
It may. Your card balance and payment history can affect your business credit. Check your card issuer’s terms.
*Card acceptance, rewards, billing-cycle timing, cash availability, and tax treatment depend on your card, transaction, bank, and business situation, and are not set or guaranteed by Zil Money. Tax information is general and is not tax advice. Figures shown in the calculator above are estimates for illustration only, not a quote.