Shopping Online With Credit Card

Shopping Online With Credit Card is a significantly simplified process with the platform. The Pay by Credit Card feature, which allows customers to make credit card payments, is beneficial for online shoppers as it offers a convenient and secure payment method. The features ensure that your credit card payments are accepted, even if the merchant doesn’t typically accept this payment type. You can choose how they receive the payment: ACH, Wire transfer, or Check.

Happy Customers

New Customers a Week

Transactions Per Week

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.

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.

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.

Additional Resources

By combining these strategies, the actual cost of using a credit card to handle business expenses can be significantly reduced, while also providing the flexibility to manage cash flow more effectively.

Seamless Credit Card Payments

Seamless Credit Card Payments

One of the key benefits of using Zil Money for online shopping is the seamless credit card payment feature. Regardless of whether the online store you’re shopping from typically accepts credit cards, Zil Money enables you to pay using your credit card. This unique capability is achieved through Zil Money’s innovative payment system, which processes the credit card transaction and allows you to choose between ACH, wire transfer, or check and decide how the payee receives the payment.

Features at Your Fingertips

From accounts payable and receivable functionalities to comprehensive online banking and beneficial integrations, Zil Money can meet the payment management requirements of all types of businesses.

Check Printing

Check Printing

Drag and drop to instantly create checks & print using any printer.

Pay By Credit Card

Pay By Credit Card

Use credit cards even when your vendors don't accept them.

ACH Payment

ACH Payment

Make one-time or recurring ACH/RTP payments in one click.

Wire Transfers

Wire Transfers

Send money electronically from one financial institution to another.

Bill Pay

Bill Pay

Pay & schedule bills online, managing supplier payments & reducing risk.

Digital Checks

Digital Checks

Digitize your paper checks and make your payments via email or text.

Software Integration

Software Integrations

Integrate Zil Money with your accounting and payroll software.

ZilBank

Cloud Bank

Open an online bank account with ZilBank.com. Streamline your payment management & save.

Payment Link

Payment Link

Create and send a secure URL for customers to make online payments easily.

Worry-Free Transactions

With Zil Money, you never have to worry about credit card payments not being accepted. The platform’s system is designed to take any potential stress out of online shopping. It ensures the smooth processing of transactions, facilitating acceptance even by merchants who may not usually take credit cards. This capability eradicates the need for you to find alternative payment methods, providing a worry-free shopping experience.

Worry-Free Transactions
Enhanced Security Measures

Enhanced Security Measures

In addition to ensuring acceptance of credit card payments, Zil Money has robust security measures in place to safeguard all transactions. Your credit card information is securely encrypted to prevent unauthorized access. This level of security allows for safe shopping and provides peace of mind knowing your financial information is well-protected.

$50B+

In total transaction volume

22K+

Connected banks & financial institutions

20K+

Monthly business users

1M+

Total users, and growing

Convenience and Confidence with Zil Money

Shopping online with a credit card through Zil Money is a streamlined, secure, and highly convenient process. The platform’s ability to handle transactions seamlessly, regardless of the merchant’s preferred payment methods, means you can shop with the utmost confidence. With Zil Money, the limitations associated with online shopping and payment methods are a thing of the past.

Convenience and Confidence with Zil Money

FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions(FAQ)

How to accept online credit card payments?

The best way to accept online credit card payments is through Zil Money. The platform allows you to accept credit card payments and choose how the payee receives them, eliminating any payee charges.

How to use credit card for shopping?

You can make shopping online with credit cards through Zil Money by choosing how the payee receives the amount: ACH, Wire transfer, or Check. This way, you can eliminate the payee charges while gathering all the rewards points offered.

Is it safe to shop online with credit card?

Credit card payments offer a high level of security when making online purchases. Zil Money prioritizes the security of your financial information, implementing robust encryption measures. When you shop online with a credit card through Zil Money, you can have peace of mind knowing that your transactions are safeguarded against unauthorized access.

Credit Card vs Cash

Credit card payments are a more secure and convenient online payment method. On the other hand, cash is not suitable for making online payments. Sign up with Zil Money for shopping online with credit card regardless of whether they are accepted.
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