Your biggest monthly expense working harder for you.
Win 1
Earn Rewards on Every Utility Bill
Most utility companies don’t accept credit cards—or charge 3-4% convenience fees. Pay utilities through Zil Money with your business credit card. Earn travel points or cash back on thousands in monthly utility spend.
Real Value:
$3,000 monthly utilities × 2% rewards = $720 annually in rewards you’re leaving on the table
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Win 2
Extend Cash Flow 30-45 Days
Pay utilities today with your credit card. Money leaves your account 30-45 days later when the card payment is due. Critical breathing room when customer payments are delayed or seasonal cash flow is tight.
Real Impact:
Pay utilities on the 15th → Card due on 28th of next month → 43 days your cash stays working
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Win 3
Pay Multiple Utilities at Once
Stop writing individual checks to electricity, water, gas, internet, phone. Upload all utility payments in one file. Process everything simultaneously. Track all utility spend in one place.
Real Benefit:
5 separate utility bills = 10 minutes, not 2 hours
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Three steps to smarter utility payments.
Connect Your Credit Card
Add your business credit card. Visa, Mastercard, Amex accepted. Secure and encrypted.
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Add Utility Providers
Enter utility company details—electric, water, gas, internet, phone. Set up one-time or recurring payments.
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Pay & Earn
Payments processed automatically. Earn credit card rewards. Get complete payment records. Utilities paid on time, every time.
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Pay any utility company. Any payment method.
Pay by Credit Card
Pay utilities with your business credit card even when the company doesn’t accept cards. Earn rewards. Extend cash flow. Build business credit.
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Bulk Utility Payments
Pay multiple utility companies simultaneously. Upload payment file with all your utilities. Process everything at once. Save hours monthly.
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Automated Recurring Payments
Set up automatic payments for recurring utilities. Never miss a due date. Payments processed automatically from your preferred payment method.
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Check Printing & Mailing
Some utilities still require checks? Print checks on-demand with your company branding or mail checks for $1.25 each. No more manual check writing.
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Get paid by customers. Earn cash back. Pay utilities.
When customers pay you via ACH, cards, or payment links, funds arrive in your Zil Money Wallet. Keep funds in your wallet and earn cash back on qualifying transactions.* Use wallet balance to pay utilities—zero transaction fees* on eligible ACH payments.
Complete Cycle
Customer pays you
Funds to wallet
Earn cash back*
Pay utilities with wallet
Zero fees*
It’s not just about paying utilities. It’s about making your entire payment cycle more profitable.
Automate payments. Track everything.
Automated Payment Scheduling
Set up recurring payments for monthly utilities. System processes payments automatically on due dates. Never worry about late fees or service interruptions.
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Complete Payment History
Every utility payment tracked with date, amount, vendor, payment method. Export reports for accounting. Perfect for tax time and bookkeeping.
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Integration with Accounting Software
Sync with QuickBooks, Xero, Sage Intacct. Utility payments automatically recorded in your accounting system. No manual entry. No duplicate work.
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Payment Reminders & Alerts
Get notifications before payments process. Know exactly when money leaves your account. Complete visibility into upcoming utility expenses.
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We handle payments for
Electricity & Power
Water & Sewer
Natural Gas & Propane
Internet & WiFi
Phone & Mobile Service
Waste & Recycling
Security & Alarm Systems
HVAC & Maintenance Contracts
Who this is for
Retail & Restaurants
High monthly utility bills. Multiple locations. Seasonal cash flow challenges. Pay utilities by card, extend cash flow, earn rewards.
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Professional Services
Office utilities spread across multiple vendors. Need automated payments and clean accounting. Track everything in one place.
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Healthcare & Medical
Compliance requirements. Need detailed payment records. Multiple utility providers across locations. Automated tracking and reporting.
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Manufacturing & Warehouses
Massive utility bills. Tight margins. Every reward point matters. Bulk payments for multiple facilities.
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Small Businesses
Limited staff. No time for manual payment processing. Need simple automation. Want to earn rewards on necessary expenses.
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Transparent pricing for utility payments.
What You Pay:
- Credit card payments: Standard processing fee (earn rewards + extend cash flow)
- ACH payments from wallet: $0 transaction fees* on eligible payments
- Check mailing: $1.25 per check (USPS/FedEx)
- No monthly fees. No setup fees. No minimums.
What You Get:
- Pay utilities with any credit card
- Earn credit card rewards on all utility spend
- Extend cash flow 30-45 days
- Bulk payment processing
- Automated recurring payments
- Complete payment tracking
- Accounting software integration
- Cash back on qualifying wallet transactions*
Common questions.
You pay Zil Money with your credit card. We pay the utility company via ACH or check. You earn rewards. Utility company gets paid. Simple.
Standard credit card processing fee applies (typically 2.9% + $0.30). Compare this to earning 2-3% in credit card rewards plus 30-45 days extended cash flow—the value far exceeds the fee.
Yes. Set up any utility as recurring. System automatically processes payment on your specified date each month. You get notified before each payment.
When customers pay you, funds go to your Zil Money Wallet. Keep funds in wallet and earn cash back on qualifying transactions.* Use wallet balance to pay utilities with zero transaction fees* on eligible ACH payments.
Yes. Upload a CSV file with all utility payments. System validates and processes everything simultaneously. Perfect for businesses with multiple locations or many utility providers.
Yes. Direct integration with QuickBooks, Xero, and Sage Intacct. All utility payments automatically sync to your accounting system.
No problem. We print checks with your company branding and mail them for $1.25 each. Or print checks yourself on-demand from your office.
No contracts. No monthly fees. No minimums. Pay only when you process payments. Cancel anytime.
Earn Rewards
Extend Cash Flow
Automate Everything
Every month you wait is another month losing:
✓ Credit card rewards on thousands in utility spend
✓ 30-45 days of working capital
✓ Hours wasted on manual payment processing