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Use Credit Card to Pay Payroll

Ready to pay?Get started
Need a way to pay payroll?

Payroll is two jobs. Your provider prepares the run. A credit card can pay it.

You can use a credit card to pay a payroll run in ZIL MONEY. Find the run, choose your card, click Confirm Payment, and sign. A 2.9% credit card fee applies.

  • Works with any payroll run in your list
  • Your card pays the amount
  • See the result in a final window
Get startedBook a demo
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The simple version.

Payment Setup asks for three things.

A deposit bank accountWhere the money is deposited.
A credit cardThe card that pays for it.

How much can paying by card earn you?

Cash back, the tax write-off and cash yield, after the processing fee.
Monthly payroll
$
Monthly vendor expenses
$
Total paid by card each month$62,500.00
Card processing fee
%
Cost
Cash back
%
Earns Includes cash back on the fee
Tax rate on the write-off
%
Write-off saves
Vendor payments that can accrue bulk pay/early pay discount
$at% discount
Saves
Cash kept earning (yield)
days at% a year
Cash yield
Wow, you made money!
Cash back is earned on the full amount charged to the card, which is your payroll and vendor payments plus the processing fee.
Tax write-off is your tax rate times the full processing fee, since the fee is a deductible business expense.
Cash yield is your total monthly payroll and vendor payments × yield × days ÷ 365. It's what your cash keeps earning until the card bill is due.
Bulk pay/early pay discount applies only to the vendor payments you enter in that box, up to your monthly vendor expenses. It's the price break a vendor gives for buying in volume or paying up front, which the card lets you do while your cash keeps earning.
For estimates only. This isn't tax advice.

Credit card payroll, step by step.

Run, setup, confirm, sign.

Confirm the payroll run

The window lists the total amount, pay date, company, and due date, plus your bank account, card, and transfer method.

ZIL MONEY Payroll by Credit Card window: total amount, pay date, deposit bank account, credit card and transfer method

Transaction Initiated

This final window shows what was charged, where the deposit goes, and the fee. The confirmation screen says funds are transferred within 1 to 3 business days.

ZIL MONEY Transaction Initiated window: amount charged, deposit initiated to, fee and total amount

Choose a card

Select a saved card, or add a new one.

Pay by credit cardPayroll by credit card

Know the cost first

Each run shows its fee in the table.

BankCardMethod

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

Can you pay payroll with a card? Yes.

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

I did not know payroll could go on a card.

It can. Choose a credit card on the Payroll by Credit Card screen.

My payroll team prepares the run, not me.

Pay it here. ZIL MONEY pays the amount of a run in your list.

I do not know which account gets the money.

Select it. Pick the bank account to deposit at the top.

I want proof it went through.

Read the final window. Transaction Initiated shows what was charged and where it goes.

I do payroll for several businesses.

Keep one list. Payroll by Credit Card is built for multiple companies.

I may need to run payroll away from my desk.

Use your phone or tablet. The same steps work on any screen.

Pay payroll with a card.

These steps work for any payroll in your list.

1

Find the run

Select the company, click Sync payroll data, and read Payroll Details.

2

Set up the payment

Select the bank account, credit card, and payment method.

3

Confirm Payment

Review the confirm window and the authorization form.

4

Sign

Add your signature and verify. Then see Transaction Initiated.

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 use a credit card to pay payroll?
Yes. In ZIL MONEY you find the payroll run, choose a credit card, click Confirm Payment, and sign.
What is the credit card fee?
A 2.9% credit card fee applies when you pay with a credit card.
What do I need before I start?
A payroll run in your list, prepared by your payroll provider or team. ZIL MONEY does not run payroll, file payroll taxes, make W-2s, or manage benefits. It pays the amount of a payroll run that appears in your list.
Does my payroll provider have to accept cards?
No. ZIL MONEY pays the payroll amount for you. Ask our team which payroll providers sync with your account.
What do I choose when I pay payroll by card?
You choose the deposit bank account, the credit card, and the payment method.
How do I see a payroll I already paid?
Select the company and open its Transactions tab.
Does it work with QuickBooks?
ZIL MONEY connects with QuickBooks, Xero, Zoho, and other accounting tools, so your payments and books stay in sync.
Can I send payroll payments from my phone?
Yes. You can use ZIL MONEY on your phone or tablet, so you can take care of it away from your desk.

Put your next payroll on a card.

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

ZIL MONEY Payroll by Credit Card screen: payroll runs list with the bank account, credit card and payment method selectors

Zil Money® is a financial technology company, not a bank. Banking services provided by Citizens Bank, N.A., Member FDIC.