Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Texas National Bank. Customers are not directly insured by the FDIC - but through the pass-through coverage of our partner banks and is conditional on proper titling, record-keeping, and custodial arrangements.
- Better Cash Flow!
- Tax Breaks!
- More Rewards!
- Happy Employees!
- Better Cash Flow!
- Tax Breaks!
- More Rewards!
- Happy Employees!
online business accounts
transaction volume
checks processed
Using Credit Cards to Save Money on Business Expenses
Cash Back Rewards
Earn Cash Back: Credit cards like the Capital One Spark Card offer 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back.
Offset Fees: Using a credit card with cash back can partially offset the 2.90% process fee, reducing the effective cost.
Tax Benefits
Tax-Deductible Fees: The 2.90% process fee can be filed as a tax-deductible business expense, offering some financial relief.
Additional Tax Breaks: Depending on the jurisdiction and tax codes, you may be eligible for additional tax breaks for using credit cards for business expenses.
Cash Flow Management
Cash Float Period: Credit cards often provide a 30 to 45-day payment window, allowing businesses to manage their cash flow better.
Utilize Funds: During this period, the funds can be invested in short-term opportunities or other revenue-generating activities.
Floating Revenue from Bank
Float Revenue – Cash Incentive Earnings: The funds in your bank account for 30 to 45 days could earn Cash incentive or be invested in short-term revenue-generating activities.
Capital Utilization:Â The cash float period allows you to strategically utilize your capital for other pressing needs or investment opportunities.
Detailed Example: Capital One Spark Card
- Process Fee: 2.90%
- Cash Back: 2%
- Tax Break: 0.06%
- Final Fee: 0.35%
- Additional Benefit: 30-45 days of cash flow management and float revenue.

Cover Payroll with a Credit Card
Fund payroll by credit card and keep cash flow strong while covering salaries effortlessly. Earn rewards, optimize expenses, and lower tax outgo with every payment!
Learn To Fund Payroll By Credit Card See The Interactive Demo
Connect, Import, Pay!
Connect Zoho, import your payroll summary, and fund your payroll account instantly with a credit card. Use your credit card to keep cash flow strong while ensuring employees get paid on time!

Why Zil Money!
A technology-first approach to payments and finance
Easy to Access
High Security
Easy Payment

Turn Payments into Perks
Earn rewards every time you pay payroll, bills, or vendors with Zil Money. Turn every payment into savings with cash-back, points, and exclusive perks!
Meet Every Employee’s Needs
Give employees the flexibility they need—pay via ACH, wire, or check mail with Zil Money. Ensure every payment meets their preference while keeping payroll hassle-free and efficient!

FREQUENTLY ASKED QUESTIONS
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