Running a business comes with curveballs. A late client payment here, a big supply expense there—and suddenly, payday is around the corner and your checking account isn’t looking too pretty. That’s when payroll with credit card becomes more than a nice-to-have. It becomes your financial backup plan. And with Zil Money, it’s easier than ever.
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When Payroll Stress Hits
Missing payroll doesn’t just mess up your schedule—it affects people’s lives. Almost 49.14% of employees say it would be very difficult if their pay was delayed by just one week. That’s half your team potentially struggling with rent, groceries, or car payments just because your cash flow is temporarily off.
Now imagine the flip side. What if you never had to delay a paycheck again—even if your bank account’s waiting for that invoice to clear? That’s what Zil Money’s payroll with credit card feature lets you do.
This Is How It Works
You use your business credit card to fund payroll—even if your payroll provider only takes ACH or wire transfers. Zil Money acts as the bridge. You swipe the card, the platform converts it into a payment method your team is set up to receive.
They get paid. You earn rewards.
Why Businesses Use Payroll with Credit Card
- Cash Flow Dips: Payments delayed? No problem. Fund payroll without touching your savings.
- Rewards: Earn points, cashback, or miles for spending on something you were already going to do—paying employees.
- Save Time: Quick payments through ACH or wire. You don’t need to write physical checks or run to your financial institution.
- Maintain Trust: Your team gets paid on time, no matter what’s happening behind the scenes.
It’s flexible, secure, and gives you breathing room.
And here’s something powerful to consider: 73% of workers who worry about their finances say they’d choose an employer who supports financial wellness. Paying on time, every time, is part of that.
Here’s How to Do It on Zil Money
Step-by-step, this is how businesses are doing it every week:
- Log in to your Zil Money account.
- Choose “Credit Card” as the funding method.
- Upload your payroll summary (or import it from your payroll software).
- Select how funds will be sent (ACH or wire).
- Confirm and send!
There’s even room to attach files, notes, or invoice numbers—and yes, you can sign digitally too.
Different Methods to Pay Your Team
Zil Money makes sure your employees get paid how they want. They receive via:
✅ ACH (including same-day ACH for emergencies)
✅ Domestic or international wire
✅ Checks (print instantly or mail via USPS or FedEx)
✅ Digital checks via email
✅ Virtual cards, with spending limits if needed
Scenarios Where Paying by Credit Card Works
You know that slow season? The one where customers disappear but bills don’t? In this situation, paying with a credit card helps.
Or when you just restocked inventory and your operating account’s drained—but payday’s tomorrow. In this situation, funding your account with a credit card helps.
Or when a contractor needs payment and you’re stuck between invoices. Yep—this helps.
55% of today’s workers say pay is the most important factor in choosing a job. When you’re the boss who never delays payroll? You earn their trust and just become their favorite.
More Than Just Payroll
Zil Money is built for growing, scrappy, smart businesses that need flexibility. Besides payroll with credit card, it also gives you:
- Check printing from blank paper (save up to 80%)
- Mailed checks that arrive quickly
- Digital payments through payment links
- Expense tracking
- Fraud protection with Positive Pay
- Integration with top accounting or payroll software
You don’t need separate platforms. Zil Money brings it all together—easy, secure, and designed to fit you.
Why This Matters More Than Ever
The workforce is changing. People care about stability. They care about being paid on time. When a paycheck gets delayed, nearly half of them feel serious financial stress.
So being the employer who always pays on time—even during tight weeks—is a competitive advantage. It’s how you attract great talent and keep them happy.
And when cash is slow? You’ve got credit. Zil Money turns that into payroll, on your terms.
Final Take
Delaying employee payments doesn’t just affect morale—it can damage your reputation. But you don’t have to choose between loyalty and liquidity anymore.
Payroll with credit card gives you the ability to pay your team on time—no matter what your bank balance looks like today. And Zil Money makes it possible with zero fuss, hidden fees, or hoops to jump through.
So the next time cash flow gets tight, don’t panic—just log in, load up your card, and keep your payroll running like clockwork.
