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Use Credit Card to Make ACH Payments

Ready to pay?Get started
Vendor only takes ACH, and you want to use your card?

Vendor only takes ACH? Pay with your card.

Some vendors say no to credit cards and ask for a bank transfer. You can still use your card. In Send Payment, choose Credit Card in Pay from, then pick ACH as the method. A 2.9% credit card fee applies.

  • Pay from a credit card
  • Send it to your vendor as an ACH payment
  • Follow it in Payments Out
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AICPA SOC 1AICPA SOC 2PCI DSS CertifiedISO 27001 CertifiedISO 9001 CertifiedISO 20000 CertifiedNIST SP 800-53A Revision 5HIPAA CompliantCCPAGDPR

Card in, ACH out.

Two choices on one screen.

Pay from: Credit CardThis is where the money comes from. Your credit card funds the payment.
Method: ACHThis is how your vendor receives it. They get an ACH payment.

One screen sets up the whole payment.

Choose the payee, Credit Card, and ACH.

Pick Credit Card

In Pay from, choose Credit Card instead of a wallet or bank account.

Follow it in Payments Out

Each payment shows as Submitted, then Sent.

Other ways to pay

Need a different method? Wire and Same Day ACH sit on the same screen.

ACH paymentsPay by credit card

Add a note

Put a memo on the payment so you can find it later.

MemoInvoice no.Category

Keep your books in sync

Works with QuickBooks, Xero, Zoho, and other accounting tools.

See all integrations

Works with the tools you already use.

Connect your accounting tools and more. See all integrations

QuickBooks OnlineQuickBooks DesktopXeroZoho BooksFreshBooksSage Business Cloud AccountingOracle NetSuiteMicrosoft Dynamics 365WaveBill.comOdooSalesforceHubSpotZapierSlack

When a vendor says no to cards.

Here is what gets in the way, and how ZIL MONEY helps.

My landlord or supplier will not take a card.

Let ZIL MONEY send an ACH payment. You pay with your card. Your vendor gets the ACH payment they asked for.

I do not want to pull cash from my account today.

Choose Credit Card in Pay from. The card funds the payment, so you do not pick a bank account to pay from.

I am not sure what the card costs me.

Read the fee up front. A 2.9% credit card fee applies to credit card payments.

I need to give the vendor a reference.

Add a memo. Put an invoice number or a short note on the payment.

I lose track of what I sent.

Open Payments Out. Every payment shows its status, from Submitted to Sent.

I am not always at my desk.

Use your phone or tablet. Do it from anywhere.

Four steps to pay an ACH vendor by card.

All of it happens in Send Payment.

1

Choose your payee

Pick the vendor, or add them as a new payee.

2

Set Pay from to Credit Card

Your card funds the payment.

3

Pick ACH as the method

Your vendor receives an ACH payment.

4

Confirm and track

Confirm the details, then follow the payment in Payments Out.

Easy to learn. Quick to help.

In their own words, from businesses that use ZIL MONEY.

Rachel Ruiz, Business Strategy Manager at Lennar Title

“Working with ZIL MONEY 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.

Rachel RuizBusiness Strategy Manager, Lennar Title
Mike S. of Experity

“ZIL MONEY has been a game-changer for our business!”

Their payment support is top-notch, quick, reliable, and always ready to assist with any questions we have.

Mike S.Experity
Cory Edwards, Owner of Edwards Holdings Realty

“The most helpful part is that ZIL MONEY can be used by everyone.”

It’s very easy to navigate. The user interface is very easy to learn. It solves the problem of having various accounting software separately and unable to integrate.

Cory EdwardsOwner, Edwards Holdings Realty

Common questions

Can I pay an ACH-only vendor with a credit card?
Yes. In Send Payment, choose Credit Card in Pay from and ACH as the method. Your vendor receives an ACH payment.
What is the credit card fee?
A 2.9% credit card fee applies when you pay with a credit card.
Does my vendor need to take credit cards?
No. Your card funds the payment on your side. Your vendor receives it as an ACH payment.
Where do I choose ACH?
On the Send Payment screen, in the field that asks how you would like to send it.
Can I use Same Day ACH instead?
Same Day ACH is one of the methods on the same screen. Pick the one that fits your payment.
How do I track the payment?
Open Payments Out. Each payment shows a status, from Submitted to Sent.
Is it safe to use?
ZIL MONEY holds SOC 1, SOC 2, PCI DSS, ISO 27001, and other certifications. You can see the full list on the Certifications page.
Does it work with QuickBooks?
ZIL MONEY connects with QuickBooks, Xero, Zoho, and other accounting tools, so your payments and books stay in sync.

Say yes to every vendor, even ACH-only ones.

Open an account, or book a short demo and we will show you around. A 2.9% credit card fee applies to credit card payments.

Get startedBook a demo

Have a question? Talk to our team