Shopping Online With Credit Card
Shopping Online with Credit Card – Use your credit card anywhere, even if the merchant doesn’t accept it.
Secure & Hassle-Free – Enjoy encrypted payments and fraud protection for a worry-free shopping experience.
Fast & Flexible Payments – Choose ACH, wire, or check to complete credit card transactions.
Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.
online business accounts
transaction volume
check processed
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 2.95% process fee, reducing the effective cost.
Tax Benefits
Tax-Deductible Fees: The 2.95% 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: 2.95%
- Cash Back: 2%
- Tax Break: 0.06%
- Final Fee: 0.35%
- Additional Benefit: 30-45 days of cash flow management and float revenue.
Shop Anywhere, Even If Cards Aren’t Accepted
With Zil Money, your credit card is always an option, no matter the merchant’s restrictions. Pay via ACH, wire, or check while enjoying the flexibility of using your credit card.
Click Here to See Interactive Demo
Security You Can Trust
All transactions are encrypted to protect your financial information. Shop confidently, knowing your sensitive data is secure against fraud and unauthorized access.
No More Payment Limitations
Never face the frustration of declined credit card payments again. Zil Money ensures smooth processing, so you never have to search for alternative payment methods.
Seamless, Stress-Free Online Shopping
Enjoy the convenience of making purchases without restrictions. With Zil Money, shopping online with a credit card is simple, secure, and accessible anytime, anywhere.
FREQUENTLY ASKED QUESTIONS
How to accept online credit card payments?
How to use credit card for shopping?
Is it safe to shop online with credit card?
Credit Card vs Cash
Every Customer Review is a Story of Trust
15-Day Free Trial Available!
No credit card required.
