$0 Fees on Eligible Supplier Payments*
30-45 Day Payment Float Available
Bulk Payment Processing
Capture 2% Early Payment Discounts
SOC 1 Certification
Reduced risk of financial misstatements
SOC 2 Certification
Data integrity assurance
GDPR Compliance
Enhanced user privacy rights
PCI DSS Compliance
Protection against data breaches
ISO 27001 Certification
Risk-based approach to security
ISO 20000 Certification
Efficient service delivery processes
ISO 9001 Certification
Customer-centric operations
CCPA Compliance
User control over personal data
NIST 800-53 Compliance
Federal-level data protection
HIPAA Compliance
Privacy protection for patient dataThree ways to protect retail margins.
Every dollar saved on payments goes straight to your bottom line. Every day of cash flow extension lets you stock smarter.
Eliminate Supplier Payment Fees
Stop paying per-transaction fees on every supplier payment. Pay suppliers with zero transaction fees on eligible wallet payments.* Upload payment file, everyone paid in minutes. Those savings go directly to your bottom line.
Impact: Every dollar saved on fees = pure margin improvement
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Finance Inventory Without Loans
Buy seasonal inventory with your credit card. Stock your shelves immediately. Sales happen over weeks. Card payment due 30-45 days later—after revenue starts flowing. No working capital loans. No interest. Just smart timing.
Impact: Stock aggressively without draining cash reserves.
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Capture Early Payment Discounts
Pay suppliers fast enough to earn 2/10 net 30 terms. Save 2% on inventory costs. Bulk processing makes early payment actually achievable. Those discounts flow straight to gross margin.
Impact: 2% improvement to gross margin on eligible inventory
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Retail’s impossible equation.
Retail’s impossible equation.
Pre-Season
Need to stock seasonal inventory
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Payment Due
Supplier payment due immediately → Cash crisis
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Sales Period
Season sales finally happen weeks later
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Reality
You need cash BEFORE revenue arrives
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Traditional “Solutions” That Don’t Work:
Working capital loan
Interest + fees + approval delays
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Delay supplier payments
Damaged relationships + late fees
← •• →
Under-stock inventory
Lost sales + missed season
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Pay suppliers slowly
Miss 2% early payment discounts
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The Zil Money Solution:
Pay supplier with credit card when ordering
Stock immediately
Card payment due 30-45 days later
Season sales cover payment
No cash crisis, no loans, no stress
Plus: Earn rewards on inventory purchases with your credit card terms
Every payment that protects your margin.
Bulk Supplier Payment Processing
What It Does: Upload CSV with all supplier payments. System processes simultaneously. Everyone paid in minutes, not hours.
What You Save: Zero fees on eligible wallet payments* vs. traditional per-transaction banking fees
What You Gain: Time to actually run your business instead of processing payments
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30-45 Day Inventory Float
What It Does: Pay any supplier with your business credit card even if they don’t accept cards. Inventory arrives today. Card payment due 30-45 days later.
What You Save: No working capital loan interest
What You Gain: Stock seasonal inventory without cash flow panic
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Capture 2% Early Payment Discounts
What It Does: Process payments fast enough to meet 10-day discount deadlines. 2/10 net 30 terms become achievable with bulk processing.
What You Save: 2% on inventory costs flows straight to margin
What You Gain: Vendor relationships improve + margin protection
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Zero-Fee Wholesale Collections
What It Does: B2B wholesale customers pay you via ACH to your wallet. Zero collection fees.* Keep funds in wallet earning cash back on qualifying transactions.*
What You Save: Typical 3% payment processing fees eliminated on wholesale
What You Gain: More cash to reinvest in inventory and growth
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Automated Staff Payroll
What It Does: Process retail employee payroll automatically. Hourly, commission, manager salaries. Credit card option during cash crunches.
What You Save: No delays, no cash flow crises affecting staff
What You Gain: Staff retention + ability to pay on time regardless of seasonal swings
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One-Click Operational Automation
What It Does: Rent, utilities, POS subscriptions, insurance—all automated. Pay with credit card, earn rewards, extend cash flow 30-45 days.
What You Save: Hours monthly on bill management + rewards earned
What You Gain: Time and cash you can’t afford to waste
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Turn your payment operations from cost centre to profit centre.
Collect with Zero Fees*
B2B wholesale customers pay you via ACH → Funds arrive in wallet with $0 collection fees* → Typical payment processing costs 2.9-3.5% per transaction
Benefit: Keep every dollar of wholesale revenue
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Earn While You Hold
Keep operating balance in wallet earning cash back on qualifying transactions* → Use for working capital you need anyway → Rewards accumulate on your balance
Benefit: Operating cash earns instead of sitting idle
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Pay with Zero Fees*
Use wallet balance to pay suppliers → Zero transaction fees on eligible payments* → Traditional banking charges $3-5 per transaction or percentage fees
Benefit: Every supplier payment keeps full margin
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Capture Early Pay Discounts
Fast processing captures 2/10 net 30 terms → Save 2% on inventory costs → Flows directly to gross margin
Benefit: 2% margin improvement on participating inventory
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Earn Rewards on Large Purchases
Pay large inventory orders with credit card → Earn rewards based on your card terms → Leverage purchases you’re making anyway
Benefit: Bonus rewards on necessary business expenses
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Built for how different retailers actually operate.
Fashion & Apparel Boutiques
Your Reality: Seasonal suppliers, 2-3 major buying seasons, fashion market payment terms, thin margins
What Zil Money Solves:
- Credit card payment for pre-season inventory buys (no more cash panic)
- Bulk payment to fashion vendors in minutes (not hours)
- Capture early payment discounts to protect already-thin margins
- Zero fees on eligible supplier payments*
Key Benefit: Stock fashion seasons without working capital loans
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Multi-Location Retail Chains
Your Reality: Multiple store locations, centralized purchasing, high vendor volume, complex accounting
What Zil Money Solves:
- Centralized payment processing for all locations from one dashboard
- Pay all vendors simultaneously with zero fees on eligible payments*
- Each location’s OpEx tracked separately for P&L analysis
- Consolidated reporting for ownership/investors
Key Benefit: Unified payment operations across all locations
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E-Commerce Retailers
Your Reality: Online-only or hybrid, fulfillmentcenter costs, digital marketing spend, drop-ship vendors, customer refunds
What Zil Money Solves:
- Shopify/WooCommerce integration eliminates double-entry
- Pay manufacturers, fulfillmentcenters, shipping vendors efficiently
- Credit card payment on inventory = cash for marketing
- Customer refund processing that doesn’t destroy margin
Key Benefit: Fast operations that don’t constrain growth
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Specialty Retail (Electronics, Sporting Goods, Pet)
Your Reality: High-value inventory, technical products, educated staff, wholesale + retail mix
What Zil Money Solves:
- Credit card payment on seasonal tech inventory (massive float benefit)
- Zero fees on wholesale B2B collections from other retailers*
- Staff commission processing for technical sales team
- High-dollar vendor payments with complete audit trails
Key Benefit: Finance high-value inventory without loans
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Home Goods & Furniture Retail
Your Reality: Container orders, import vendors, long lead times, high per-item cost, showroom floor space
What Zil Money Solves:
- Pay international vendors via wire with competitive rates
- Credit card payment on container orders (30-45 day float)
- Bulk payment to home goods suppliers
- Extended payment timing without damaging vendor relationships
Key Benefit: Import inventory without depleting working capital
← ••••• →
Win every retail season without cash flow panic.
Pre-Season Stock-Up
Traditional Retail Challenge:
- Need to order seasonal inventory months in advance
- Supplier invoices due before season starts
- Cash reserves insufficient for aggressive stocking
- Result: Under-stock, miss sales, lose season OR take expensive loan
Zil Money Solution:
- Pay inventory with business credit card
- Inventory arrives, displays set, ready to sell
- Card payment due 30-45 days later
- Early season sales help cover card payment
- Result: Stock properly + no loan interest + no missed opportunity
Benefit: Stock aggressively without cash flow panic
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Peak Season Operations
Traditional Retail Challenge:
- High sales volume, high operational costs, immediate supplier replenishment needs
- Cash flowing in but also flowing out to restock
- Payment processing fees eating margin during critical period
Zil Money Solution:
- Collect sales revenue to wallet (B2B wholesale at zero fees*)
- Restock hot items paying suppliers from wallet (zero fees on eligible payments*)
- Automate operational expenses during busy season
- Result: Focus on selling, not payment logistics
Benefit: Keep maximum margin during most profitable months
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Post-Season Management
Traditional Retail Challenge:
- Massive slowdown post-season
- Rent still due, staff still need pay, utilities still running
- Next season inventory needs ordering but cash is tight
- Result: Delay payments, damage relationships, miss next opportunity
Zil Money Solution:
- Pay operational expenses with credit card (30-45 day float)
- Staff still paid on time (retention protected)
- Next season inventory ordered on credit card
- Revenue arrives before card payments due
- Result: Smooth operations despite seasonal revenue valley
Benefit: Maintain year-round operations without cash flow crises
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Plug into what you already use.
Your POS System
Square • Shopify POS • Clover • Toast • Lightspeed • Vend • Revel
What It Does: Daily sales sync automatically. Customer refunds coordinated. End-of-day reconciliation automated. No duplicate entry ever.
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Your E-Commerce Platform
Shopify • WooCommerce • BigCommerce • Magento • Amazon Seller
What It Does: Order payments tracked. Customer refunds processed. Supplier payments linked to inventory. Complete financial picture.
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Your Accounting Software
QuickBooks • Xero • FreshBooks • Sage
What It Does: Every payment automatically categorized. Real-time books. Export reports for tax prep. Your accountant will thank you.
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Your Bank Accounts
Connect 22,000+ US financial institutions
What It Does: Multi-bank support. Real-time balance monitoring. Automatic reconciliation. Complete control.
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Your money. Your data. Protected.
PCI DSS Compliant
Full compliance for customer card transactions. Never store sensitive card data.
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SOC 2 Type II Certified
Independently audited security. Annual verification. Enterprise-grade protection.
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256-Bit Bank Encryption
Same security standards as major banks. Your data completely protected.
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FDIC Partner Banks
Banking services through FDIC member banks. Your working capital protected by federal insurance.
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Questions retail owners actually ask..
Savings depend on your supplier count, payment frequency, and transaction volume. Generally: payment fees eliminated on eligible wallet transactions,* 2% captured on early payment discounts where offered, and working capital loan interest avoided through credit card float. Calculate your specific situation based on your current costs.
You pay Zil Money with your credit card. We pay your supplier via ACH, wire, or check (their preference). They get paid their way. You get 30-45 days before card payment due plus earn rewards based on your card terms. Critical for seasonal inventory financing.
Standard processing fees apply (typically around 2.9%). Compare total benefit: 30-45 day float (avoids working capital loan interest of 8-12% annually) plus card rewards earned plus ability to stock properly = total value often exceeds fee cost. Use strategically for seasonal inventory buys.
Yes, if your suppliers offer 2/10 net 30 terms. Upload all supplier payments at once. Everything processed in minutes. Payments arrive within 1-2 business days. Easily meets 10-day discount deadlines. That 2% savings flows straight to gross margin.
Send payment links to B2B wholesale customers. When they pay via ACH to your Zil Money Wallet, you pay zero collection fees.* Keep funds in wallet earning cash back on qualifying transactions.* Use wallet balance to pay suppliers with zero fees on eligible payments.* Complete cycle optimization.
Ideal use case. Centralized supplier payments for all locations. Each location's operational expenses tracked separately for accurate P&L. Consolidated financial reporting for ownership. Pay all vendors once instead of managing across multiple locations.
Yes. Direct integration with Square, Shopify, Clover, Toast, Lightspeed, and major platforms. Daily sales automatically synced. Customer refunds coordinated. Accounting software integration eliminates duplicate entry.
Basic setup: Minutes. Link bank account, upload vendor list, done. Full integration with POS/accounting software: Can be completed within hours with support. First bulk payment: Same day. First savings: Immediate.
Transparent pricing for retail operations.
Core Platform
Free
to start
Supplier payments from wallet:
$0 per transaction*
Customer ACH collections to wallet:
$0 per transaction*
Credit card payments:
Standard processing rates (typically ~2.9%)
Check mailing:
$1.25 per check
What You Save:
Traditional payment processing fees:
Eliminated on eligible wallet transactions*
Early payment discounts:
2% captured where suppliers offer terms
Working capital loan interest:
Avoided through credit card float
Payment processing time:
Reduced 75-90%
How Savings Scale:
Small Boutique:
- Fewer suppliers, lower transaction volume
- Payment fee elimination still meaningful
- Credit card float valuable for seasonal buys
- Early discount capture improves margins
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Mid-Size Retail:
- More suppliers, higher transaction volume
- Payment fee savings scale with volume
- Bulk processing saves significant admin time
- Consistent early pay discount capture
← ••• →
Multi-Location Chain:
- High supplier volume across locations
- Maximum payment fee savings
- Centralized efficiency gains
- Large-scale early discount benefits
← ••• →
Your specific savings depend on your business size, supplier count, and current payment costs.
Traditional Banking Approach:
- Pay per-transaction fees on every supplier payment
- Miss 2% early payment discounts due to slow processing
- Borrow for seasonal inventory at 8-12% annual interest
- Spend hours processing payments manually
- Pay 3% fees to collect wholesale payments
← •• →
Zil Money Approach:
- Pay $0 on eligible supplier payments via wallet*
- Capture early payment discounts consistently
- Finance inventory with credit card float (no loans)
- Process all suppliers in minutes via bulk upload
- Collect wholesale payments with zero ACH fees*
← •• →
Zero Fees on Eligible Payments*
Used by 1M+ Businesses
$100B+ Processed
SOC 2 Certified
*Zero transaction fees on eligible ACH payments made through Zil Money Wallet only. Credit card processing fees apply based on transaction type and payment method. Cash back rewards earned on qualifying transactions when funds kept in Zil Money Wallet. Actual savings vary by business size, transaction volume, and payment methods used. Terms and conditions apply. Visit zilmoney.com/terms for complete details.
Zil Money is a financial technology company, not a bank. Banking services provided through partnerships with FDIC member banks.