Trusted by Businesses Nationwide
$100B+
Transaction volume
1M+
Active businesses
99.9%
Uptime SLA
67%
Average expense reduction
The Working Capital Problem Every Business Owner Knows
Your vendor demands payment via ACH. Your cash is tied up in inventory, accounts receivable, or payroll. Your credit card has plenty of room, but they won’t accept it.
What if you could use your credit card to pay those ACH-only vendors?
That’s exactly what Zil Money does. We’re the financial bridge that turns credit card purchasing power into ACH payments your vendors can receive.
Why Businesses Choose Credit Card-Funded ACH Payments
Traditional ACH payments drain your bank account immediately. But when you use Zil Money to pay vendors with your credit card, you unlock powerful financial flexibility that transforms how you manage business cash flow.
💸 Immediate Cash Flow Crisis
Your biggest client won’t pay for 60 days, but your supplier needs payment this week. Traditional ACH empties your account today. Credit card-funded ACH gives you 30-45 days before you settle the card balance.
🚫 Vendor Payment Restrictions
Landlords, manufacturers, contractors, and wholesale suppliers often refuse credit cards. They demand ACH or wire transfers only. You’re forced to use cash when credit would be smarter.
💳 Lost Rewards Opportunities
You’re spending $50,000+ monthly on business expenses but earning zero rewards because vendors won’t take cards. That’s potentially $500-1,500 in lost cash back or points every single month.
📊 Accounting Nightmares
Payments scattered across multiple bank accounts, various ACH transactions, wire transfers. Reconciliation takes hours. Tax time becomes a documentation disaster.
⏰ Slow Business Growth
You found the perfect inventory deal but don’t have liquid cash available. By the time your receivables clear, the opportunity is gone. Credit access exists but can’t be deployed effectively.
🔒 No Purchase Protection
ACH and wire transfers offer zero fraud protection. Once the money leaves your account, it’s gone. Credit cards offer dispute rights, extended warranties, and purchase protection.
How Zil Money Solves This: Credit Card to ACH Conversion
Zil Money is a comprehensive business payment platform built for modern finance teams. Our credit card-to-ACH payment feature lets you charge your business credit card and have us send the ACH payment to your vendor. Simple, secure, and strategic.
Extend Working Capital 30-45 Days
Leverage your credit card’s billing cycle. Pay vendors today using your card, settle the balance 30-45 days later when your own receivables come in. Keep cash liquid for operations.
Pay Any ACH-Only Vendor
Landlords, suppliers, contractors, wholesalers, manufacturers—if they accept ACH, you can pay them with your credit card through Zil Money. No more “sorry, we don’t take cards.”
Earn Rewards on Every Payment
Turn business expenses into points, miles, or cash back. A $100,000 monthly vendor payment becomes 100,000-300,000 points depending on your card. That’s free flights, cash bonuses, or travel perks.
Credit Card Purchase Protection
Unlike ACH transfers, credit card payments come with fraud protection, dispute rights, extended warranties, and purchase protection. You get consumer protections on B2B transactions.
Better Cash Flow Management
Consolidate payment timing. Instead of draining your account across 30 different dates, everything hits your credit card statement once. Better forecasting, simpler budgeting.
Enterprise-Grade Security
Bank-level encryption, SOC 2 Type II certified, PCI DSS Level 1 compliant. Multi-factor authentication, role-based access controls, and real-time fraud monitoring protect every transaction.
How It Works: 3 Simple Steps
Add Your Business Credit Card
Connect your Visa, Mastercard, American Express, or Discover card to your Zil Money account. We securely tokenize your card details using bank-level encryption. Takes less than 2 minutes to complete setup.
Enter Vendor Banking Information
Provide your vendor’s ACH details: bank routing number and account number. Set your payment amount and delivery date. You can save vendor information for recurring payments or one-time transactions.
We Handle the Rest
Zil Money charges your credit card immediately and initiates the ACH payment to your vendor. Your vendor receives a standard ACH deposit (they don’t need to change anything). You get email confirmation, tracking, and reporting for every transaction.
Why Zil Money Is More Than Just ACH Payments
We’re a complete business payment platform. Credit card-to-ACH is just one tool in your financial toolkit.
Accounting Nightmares
Payments scattered across multiple bank accounts, various ACH transactions, wire transfers. Reconciliation takes hours. Tax time becomes a documentation disaster.
Check Printing & Mailing
Print checks on blank stock or have us mail them via USPS or FedEx. Full check management included.
Virtual & Physical Cards
Issue virtual cards for online payments, physical cards for employees. Full spending controls and limits.
Payment Links & Invoicing
Send payment requests via email or SMS. Customers pay via card, ACH, or digital wallet instantly.
Accounting Integration
Native integration with QuickBooks, Xero, Zoho, FreshBooks, and 50+ other accounting platforms.
Multi-User Access
Role-based permissions for accountants, bookkeepers, and team members. Approval workflows included.
Expense Management
Track all business spending in one dashboard. Categorize, tag, and export for tax preparation.
Developer API
Build custom payment workflows using our REST API. White-label options for enterprise clients.
Real Business Scenarios Where This Works
Commercial Rent Payments
Your landlord only accepts ACH. Rent is $15,000/month. Pay with your credit card, earn 45,000 points annually, and get 30-45 days float on your biggest fixed expense.
Manufacturer Deposits
You need to place a $50,000 inventory order with a Chinese manufacturer who only accepts wire transfers. Use your credit card for the payment, preserve cash for operations, earn rewards.
Contractor Payments
Your general contractor demands ACH for the $25,000 renovation project. Pay via credit card, get purchase protection, and extend your payment timeline by a full billing cycle.
Wholesale Inventory
Your supplier offers net-30 terms via ACH only. But you found a flash sale—pay immediately with your credit card, get net-60 or net-75 effective terms using the card’s grace period.
Professional Services
Your law firm, accountant, or marketing agency won’t accept credit cards. Monthly retainers add up. Pay them all via ACH using your card, consolidate invoices, earn points.
Logistics & Freight
Freight forwarders and logistics companies prefer ACH. Your shipping costs are $20,000/month. Convert that to credit card spending and watch the rewards accumulate.
Real Business Scenarios Where This Works
Feature
Feature
Feature
Feature
Cash Impact Timing
Delayed 30-45 days
Immediate deduction
Immediate deduction
Earn Rewards
1-3% cash back/points
No rewards
No rewards
Purchase Protection
Credit card protection applies
No protection
No protection
Payment Speed
1-3 business days
1-3 business days
Same day
Dispute Rights
Full chargeback rights
Very limited
None
Payment Limits
Up to credit limit
Limited by balance
Limited by balance
Accounting Simplicity
Single statement
Multiple transactions
Individual receipts
Typical Fees
2.5-3% + $1-2
$0-1 per transaction
$15-45 per transaction
Frequently Asked Questions
Our pricing is transparent: we charge a 2.5-3% processing fee on credit card transactions (this covers card network fees from Visa, Mastercard, Amex, or Discover), plus a flat $1-5 ACH processing fee. For example, a $10,000 payment would cost approximately $250-300 in credit card fees plus $1-5 for ACH processing. The exact percentage depends on your card type and transaction volume. All fees are shown clearly before you confirm any payment. Many businesses find that the cash flow benefits and credit card rewards offset these costs significantly.
We accept all major credit cards: Visa, Mastercard, American Express, and Discover. Both personal and business credit cards work on our platform. For maximum rewards, we recommend using a business credit card with high cash back rates (2-3%) or generous points earning (2x-3x points per dollar). Cards like the American Express Blue Business Plus, Chase Ink Business Preferred, or Capital One Spark Cash are popular choices among our users.
Standard ACH payments typically process in 1-3 business days. Your credit card is charged immediately when you submit the payment. We then initiate the ACH transfer to your vendor's bank account on the same business day (if submitted before our cutoff time of 5 PM ET). The funds typically appear in your vendor's account within 1-3 business days depending on their bank's processing schedule. We also offer same-day ACH for an additional fee if you need faster delivery.
Your payment limit is primarily determined by your credit card's available credit limit. Zil Money itself doesn't impose arbitrary payment caps for most business accounts. Some businesses successfully process payments ranging from $500 to $500,000+ per transaction using this method. For very large transactions (over $100,000), we may require additional verification for security purposes. If you need higher limits, contact our enterprise sales team to discuss custom arrangements.
No. Your vendor receives a completely standard ACH deposit—identical to what they'd receive from any bank transfer. From their perspective, there's no difference between an ACH payment from your bank and an ACH payment funded by your credit card through Zil Money. They don't need to create an account, install software, or change their processes in any way. They simply receive the funds in their bank account as they normally would.
Absolutely. Zil Money supports recurring payment schedules for rent, subscriptions, retainers, and any other regular vendor payment. You can set up weekly, bi-weekly, monthly, quarterly, or custom recurring schedules. Once configured, payments process automatically on your chosen dates using your saved credit card and vendor information. You'll receive email notifications before each payment, and you can modify or cancel recurring payments anytime from your dashboard.
Security is our top priority. Zil Money is PCI DSS Level 1 certified (the highest security standard for payment processors), SOC 2 Type II audited, and NACHA compliant. We use 256-bit bank-level encryption for all data transmission and storage. Your credit card information is tokenized—we never store your full card number on our servers. All transactions are monitored in real-time for fraud using machine learning algorithms. We also offer multi-factor authentication, role-based access controls, and IP whitelisting for enterprise accounts. Our infrastructure is hosted on secure, redundant servers with 99.9% uptime guaranteed.
If an ACH payment fails (typically due to incorrect bank account details or insufficient funds on the receiving end), we notify you immediately via email and dashboard notification. The credit card charge is automatically reversed within 3-5 business days, so you're not charged for failed transactions. You can then correct the vendor's banking information and resend the payment. Our customer support team is available 24/7 to help troubleshoot any issues and ensure your payment reaches the intended recipient.
Yes! While the credit card-to-ACH feature is primarily for US domestic ACH payments, Zil Money also supports international wire transfers to over 100 countries. You can fund international wires with your credit card as well. We support payments in multiple currencies (USD, EUR, GBP, CAD, AUD, and more). International wire fees are higher than domestic ACH but still provide the same cash flow and rewards benefits of using a credit card for business payments.
Yes. Zil Money offers native integrations with QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, FreshBooks, Wave, Sage, and over 50 other accounting platforms. When you make a payment through Zil Money, the transaction automatically syncs to your accounting software with the correct categorization, vendor information, and payment method. This eliminates manual data entry and ensures your books stay accurate. You can also export transactions as CSV files for custom accounting workflows.
Transform How You Pay Business Expenses
Join over 1 million businesses using Zil Money to extend working capital, earn credit card rewards, and pay vendors on their terms while managing cash flow on yours.
✓ No monthly fees
✓ No setup costs
✓ Cancel anytime
✓ 24/7 support
Trusted by leaders
Join thousands of businesses that have transformed their payment operations.
Rachel Ruiz, Business Strategy Manager, Lennar Title
“Working with ZilMoney has been such a great experience. We use their platform to create and send eChecks to multiple parties, and it’s been incredibly smooth and efficient. Anytime we have a question or run into an issue, their team is quick to respond and always helpful. They’ve consistently gone above and beyond to support our needs, and it’s made a real difference in our workflow. I highly recommend ZilMoney to anyone looking for a reliable, attentive, and efficient vendor.”