Payroll By Credit Card

Pay Payroll with a Credit Card — Stay Cash-Ready, Pay On Time

Your team depends on timely payments—but what if your bank balance isn’t ready? Zil Money lets you run payroll using your credit card, even if your employees or contractors don’t accept cards. The platform send the funds as ACH, check mail, or wire—you keep your cash, they get paid on time.

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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.

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Powering the Future of SME Payments and Finance.

1M+

 

online business
accounts

91B+

 

transaction
value

16M+

 

checks
processed

Why Pay Payroll with a Credit Card?

Paying payroll with a credit card allows you to quickly fund your payroll account when cash flow is tight. Zil Money helps you transfer funds instantly, so employees get paid on time without any delays.

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How It Works

Enter your team’s details and select your credit card to fund payroll. Zil Money takes care of the payouts so your team gets paid on time. You can pay all types of workers, stay cash-ready, avoid delays, and track payments easily with a simple 2.90% flat fee.

Send ACH Easily →

Effortless Integration with Payroll Software

Easily connect with your current payroll system and fund payroll directly with your credit card—no need to switch between platforms. This makes things simpler by reducing the amount of manual work, helping to avoid mistakes, and ensuring everything stays up-to-date so your team gets paid on time.

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Beyond Cash Flow — More Credit Card Benefits You’ll Love

  • Fund payroll now, pay later with up to 30 days grace period.
  • Build business credit by using and repaying your card.
  • Skip overdraft fees and loans with instant credit access.

Frequently asked questions

FAQ Section
Why don't most platforms allow credit card payroll?
Traditional payroll systems rely on cash-only funding sources. Zil Money breaks that barrier by letting you fund payroll via credit card, then converting the payment into a method your team accepts—ACH, check, or wire.
Isn't the 2.90% fee expensive?
Compared to payroll delays, penalties, and the stress of losing staff trust, a flat 2.90% is a small price to pay—plus, it's tax-deductible and often offset by your credit card rewards.
Can I track and report these payments easily?
Yes. You'll get detailed transaction history, downloadable receipts, and compatibility with major accounting platforms like QuickBooks and Xero.
Payroll vs Paycheck
"Payroll" involves the entire process of managing employee compensation, including tasks like calculating wages, deducting taxes, and ensuring legal compliance. On the other hand, a "paycheck" is a document given to an employee that breaks down their earnings and deductions for a specific pay period. With ZilMoney.com, users can pay their employees' salaries on time, even when having cash flow issues.

Every Customer Review
is a Story of Trust

"
During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.

Cory Edwards

Owner Edwards Holdings Realty

The most helpful part is that Zil money can be used by everyone. It's very easy go navigate. THE USER INTERFACE is very easy to learn. It's solves the problem of having various accounting software separately and unable t o integrate. It allows all organization seamlessly.