Big thanks to all the digital features that have made running a business much smoother—especially when it comes to getting paid on time. These days, having the option to accept payment by credit card gives small business owners a real edge. No more long waits or complicated steps. Zil Money brings a clean, simple way to get paid—quick, secure, and completely on your terms.
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What’s Slowing Payments Down?
Let’s not sugarcoat it—chasing payments can be frustrating. You wrap up a job or deliver a service, shoot over the invoice, and then… nothing. The clock ticks. The bills pile up. Here’s what usually stands in the way:
- Clients don’t have time to figure out how to pay.
- Not everyone wants to deal with cash or write a check.
- Some want to use a card—but there’s no way to accept it.
- Traditional payment setups can take forever to configure or come with surprise fees.
That kind of mess affects cash flow—and when cash flow stalls, everything from payroll to inventory feels squeezed.
A Simple Fix: Accept Card Payments Without the Hassle
Zil Money stepped in with a feature that small businesses genuinely needed, which takes away the hassle and gives more control. Here’s how it works in the real world:
- Send a Payment Link in Seconds:
Just generate a payment link and send it via email or SMS. Clients click, land on a secure checkout page, and choose to pay using their credit card or directly from their account. It’s smooth, fast, and doesn’t require anyone to sign up for anything extra.
- Funds Land in the Wallet:
Once a client pays, the funds move directly into the wallet. From there, the user can send out payments, cut checks, or cover bills. It’s all connected, and there’s no need to manage multiple apps or tools.
- Track Payments in Real Time:
The dashboard shows what’s paid, what’s pending, and what’s overdue. It’s all visible in one place—on a laptop or even a phone. That means no more guessing or digging through email threads.
Why It Matters in 2025
A Federal Reserve Payments Study in 2024 found that 63% of B2B transactions in the U.S. leaned toward credit cards. Not just because it’s easier for clients but because card payments offer convenience, flexibility, and even reward points.
That’s a huge shift—and it’s not slowing down. Clients expect to pay how they want when they want. If a business can’t meet them there, it risks missing out.
Different Businesses, Same Need
The beauty of this feature? It’s not built for just one kind of business. It fits into all kinds of workflows:
- Contractors can send a link right after finishing a job. Clients pay on the spot with a card—no checks, no follow-ups.
- Freelancers get paid faster. After submitting a project, just drop a payment link into an email or SMS. Done and paid.
- Property Managers use it to collect rent or maintenance fees. Tenants get a link. They pay how they want. Problem solved.
- Retailers or Online Sellers offer flexible payment options that don’t slow down the checkout process or create friction.
In each case, the core benefit is the same: faster, easier, more reliable payments.
The Idea Behind It
Here’s the big picture—this isn’t just about convenience. It’s about small businesses staying competitive. Accepting credit cards used to feel like a big leap, with setup costs, monthly fees, and tech issues. But now? It’s a few clicks, and you are ready.
The feature was built with real-world feedback from people who were tired of complicated systems. Business owners wanted flexibility without being locked into contracts or getting buried in hidden fees.
When clients can pay through a secure link, it makes things easier for them—and the easier it is to pay, the faster the money usually comes in.
Real Data, Real Proof
JPMorgan Chase highlights that adopting credit card payments for suppliers and vendors can significantly improve cash flow management for small businesses.
Accepting credit card payments helps small businesses handle their cash flow better since it doesn’t require the money to leave their accounts right away. It’s useful as it provides greater financial flexibility and can help maintain good relationships with vendors by potentially extending payment timelines. Ultimately, accepting credit card payments in this way offers a simpler and more adaptable approach to business finances.
This is the New Standard
Accepting credit card payments isn’t some fancy perk anymore—it’s the new baseline. It helps businesses run smoother, reduces friction, and keeps everyone happier on both sides of the transaction.
Zil Money didn’t overcomplicate it. The feature is built for real business owners who just want to get paid without the headache. The process is clean and secure and puts payment power right where it belongs—in the hands of the one doing the work.
One Step That Changes the Game
So, here’s the big takeaway: this isn’t just about credit cards. It’s about control. About making it easier for small businesses to get paid on time, every time.
The Accept Payment by Credit Card feature on Zil Money does that—and does it well.
Start using it today. Because in business, faster payments don’t just solve problems—they open doors.
