online business accounts
transaction volume
checks processed
Click Here to See Interactive Demo
Why Pay Payroll with a Credit Card?
Free Up Your Bank Balance
Don’t let low cash flow stop your operations. Use your credit card now, and pay it off later when your revenue comes in. Smart timing = smooth payroll.
No Delays, No Excuses
Avoid the stress of missed deadlines or bounced payroll. With Zil Money, you can cover payroll instantly, without waiting for deposits or short-term loans.
Employees Get Paid Their Way
Even if they don’t accept card payments, we’ll convert your credit card transaction into a direct deposit, ACH, or check mail. No setup or fees on their end.
Earn Credit Card Rewards
Use your rewards card and turn payroll into points, cashback, or miles. It’s a simple way to make your spending work for you.
Deduct the Fee at Tax Time
The 2.90% processing fee? It’s a business expense. Claim it as a deduction under payroll or service fees and reduce your tax burden.
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.
Effortless Integration with Top-Tier Payroll Software
No need to change your workflow. Zil Money easily connects with your existing payroll tools—like QuickBooks, Gusto, ADP, and more. Just plug in your data, choose your credit card as the funding method, and we handle the rest.
Sync employee or contractor info instantly
Reduce manual entry and payroll errors
Pay through your card while still using your go-to system
Keep records aligned across all platforms
Even if your payroll software doesn’t support credit card funding, Zil Money fills the gap—ensuring your team gets paid on time, every time, without disrupting your system.
How It Works
Enter your team’s details
Choose your credit card as the funding source
Zil Money handles the payouts
Your team gets paid, you keep your cash, and earn rewards
What You Get with Credit Card Payroll
Pay full-time, part-time, contractors, or freelancers
Use your card to stay cash-ready
Avoid disruptions and late payroll risks
Track every payment with receipts and reports
Only 2.90% flat fee
Why Zil Money!
A technology-first approach to payments and finance
Easy to Access
High Security
Easy Payment
Beyond Cash Flow — More Credit Card Benefits You’ll Love
Paying payroll with your credit card isn’t just about convenience—it’s a strategic business move. Here’s how using your card through Zil Money helps you stay ahead:
Extended Payment Time
Most credit cards offer a grace period of up to 30 days. That means you can fund payroll today and delay your actual out-of-pocket spend until your next billing cycle.
Build Business Credit
Consistently using and repaying your credit card for essential expenses like payroll can help you build your company’s credit profile, making it easier to qualify for future financing.
Avoid Overdraft Fees or Costly Loans
Skip short-term loans, overdrafts, and cash advances. Your credit card gives you instant access to funds without high-interest borrowing.
Maximize Financial Flexibility
Using your card allows you to separate operational costs from your main cash flow, giving you better control over your monthly budget and projections.
Instant Approval, No Waiting
No waiting on loan approvals or bank transfers. Your available credit becomes working capital, and Zil Money handles the rest.
FREQUENTLY ASKED QUESTIONS
Why don't most platforms allow credit card payroll?
What happens if I don't have enough money in the bank?
Do my employees or contractors have to do anything?
Isn't the 2.90% fee expensive?
Can I track and report these payments easily?
How long will it take to process the payroll through a credit card?
Which types of cards are accepted to pay payroll using a credit card?
Payroll vs Paycheck
Every Customer Review is a Story of Trust
15-Day Free Trial Available!
No credit card required.
