Direct Wallet Payments to Suppliers
30-45 Day Payment Float Available
Bulk Payment Processing
Capture 2% Early Payment Discounts
SOC 1 Certification
Reduced risk of financial misstatements
SOC 2 Type I and Type II
Data integrity assurance
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.
Simplify Supplier Payments
Stop paying per-transaction fees on every supplier payment. 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
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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
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 Get: One wallet balance instead of per-transaction banking feesWhat 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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Wholesale Collections
What It Does: B2B wholesale customers pay you via ACH directly to your wallet. Track every payment in real time.
What You Gain: Simpler reconciliation than per-transaction processing
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 Directly to Your Wallet
B2B wholesale customers pay you via ACH → Funds arrive in wallet → Simpler reconciliation than per-transaction processing
Benefit: One balance for all wholesale collections
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Track Every Dollar
Keep operating balance in wallet with real-time visibility → Use for working capital you need anyway
Benefit: Complete visibility into your working capital
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Pay Directly From Your Wallet
Use wallet balance to pay suppliers → Directly from your balance → Traditional banking charges $3-5 per transaction or percentage fees
Benefit: Pay suppliers without a separate processor
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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
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
- 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)
- 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
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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
- Restock hot items paying suppliers from wallet
- 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 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: reduced administrative overhead from consolidating payments into one wallet, 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, funds go directly to your Zil Money Wallet, ready to use for supplier payments.
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.
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
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Zil Money Approach:
- Pay suppliers directly from your 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 via ACH
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Used by 1M+ Businesses
$100B+ Processed
SOC 2 Certified