ModerPaySolutions

Paying vendors shouldn’t mean giving up flexibility.

With Pay by Credit Card tools, businesses don’t have to choose between vendor preferences and smarter cash flow. Platforms like Zil Money’s Pay by Credit Card* make it possible to do both.

If you’re exploring modern vendor payment solutions, Zil Money’s site has resources that explain how this setup works behind the scenes.

*Credit card processing fee applies. Rewards earned based on your card terms. Cash flow extension timing varies by card billing cycle. Terms apply. Visit zil money.com Terms and conditions.

Most small businesses pay vendors the same way every month. An invoice arrives, an ACH goes out, and the cash is gone immediately. It works. But it is not always working in the business's favor.

The timing gap between outgoing vendor payments and incoming customer revenue is where cash flow pressure builds. And the payment method being used is making that gap wider than it needs to be.

What changes when you pay by credit card

A credit card billing cycle creates a buffer between when the payment is made and when the cash actually leaves the account. That window can extend well beyond 30 days depending on the card. For businesses with multiple vendor invoices going out each month, that buffer adds up to a meaningful amount of working capital staying in the account longer.

There is also the potential to earn rewards* on routine vendor spending depending on the card program and qualifying transactions — something ACH and checks simply do not offer.

The vendor acceptance problem

Most vendors do not accept credit cards. ACH, wire, and check are still the default. Platform like Zil Money's pay by credit card* feature closes that gap. The business pays by credit card. The vendor receives ACH, wire, or check as usual. Neither side has to change how they operate.

The vendor payment method is not a fixed constraint. In 2026 there are practical tools available to make that decision more deliberately.

*Credit card processing fee applies. Rewards earned based on your card terms. Cash flow extension timing varies by card billing cycle.

How Can Companies Pay Vendors by Credit Card When ACH Is the Only Option

Vendors are not changing their payment preferences anytime soon. ACH is familiar, reliable, and deeply embedded in how most suppliers manage their finances. But that does not mean businesses have to be stuck on the same side of that equation.

The vendor controls how they receive payments. The business gets to decide how it funds them. In 2026 those are two very different conversations.

Why ACH Only Workflows Create Problems for Businesses

ACH is not a bad payment method. The problem is what it costs businesses on the cash flow side.

Every ACH payment pulls funds from the bank account immediately

Multiple invoices landing at once can drain working capital fast

There is no billing cycle buffer between payment and settlement

Businesses potentially miss out on rewards* from routine vendor spending depending on their card program and qualifying transactions

For companies managing tight cash flow cycles, these are not small inconveniences. They add up quickly across a full month of vendor payments.

How Fintech Platforms Are Solving This

The fix does not involve convincing vendors to accept cards. It works around that entirely.

A fintech platform sits between the business and the vendor and handles the conversion quietly in the background.

The business funds the payment using a credit card

The platform processes the transaction

The vendor receives funds via ACH, wire, or check as usual

Nothing changes on the vendor's end

Platforms such as Zil Money's pay by credit card* feature are built specifically for this workflow. The business enters vendor payment details, selects credit card as the funding source, and the platform takes care of the rest.

What Businesses Actually Gain From This

Beyond the cash flow buffer, there are practical operational benefits worth considering.

Payments across multiple vendors can be managed in one place

Transaction tracking becomes more straightforward for reconciliation

Finance teams spend less time toggling between bank portals

Accounts payable workflows become easier to manage at scale

Things to Review Before Choosing a Platform

Not every fintech solution works the same way. Before committing to one it is worth checking a few things.

Transaction fees and how they affect the overall cost of each payment

Processing timelines for ACH, wire, and check delivery

Integration with existing accounting software

Support for different vendor payment formats

The right platform depends on payment volume, vendor relationships, and how the business currently handles accounts payable.

*Credit card processing fee applies. Rewards earned based on your card terms. Cash flow extension timing varies by card billing cycle. Terms apply. Visit zil money.com Terms and conditions.

Can a Business Pay a Vendor With a Credit Card if the Vendor Only Accepts ACH?

Many small and medium businesses face this situation. A vendor may only accept ACH bank transfers, while the business would prefer to pay with a credit card. This can make it difficult to manage business payments, especially for companies that rely on credit cards to organize expenses or maintain flexible cash flow.

ACH payments are widely used because they are simple and familiar for many vendors. They integrate easily with traditional accounting systems and bank based payment processes. However, ACH-only payment preferences may limit businesses that want to pay by credit card for better financial control.

How Businesses Handle This Payment Gap

Today, fintech payment platforms help solve this challenge by acting as an intermediary between the business and the vendor.

For example, platforms like Zil Money’s Pay by Credit Card* feature allow businesses to initiate vendor payments using a credit card. The platform then processes the transaction and sends the payment to the vendor through their preferred method.

Depending on the platform, vendors may receive the payment through:

• ACH bank transfer • Wire transfer • Printed or digital check

This approach allows the business to pay by credit card while the vendor continues receiving funds the way they normally expect.

Why Businesses Use This Type of Payment Workflow

Many SMBs consider this payment approach because it may help with:

• Managing cash flow flexibility • Earning credit card rewards* based on card terms • Tracking and organizing business payments • Simplifying vendor payment processes

Fintech tools designed for SMBs continue to introduce new ways to make vendor payments more flexible without requiring vendors to change their preferred payment method.

*Credit card processing fee applies. Rewards earned based on your card terms. Cash flow extension timing varies by card billing cycle. Terms apply. Visit zilmoney.com Terms and conditions.

Many businesses today are looking for more flexible ways to manage vendor payments. One approach gaining attention is vendor payment through credit card, especially for companies that want better control over their cash flow. The option to pay by credit card can help businesses manage expenses more efficiently while also potentially taking advantage of credit card rewards depending on their card program and qualifying transactions.

Traditionally, vendors prefer payment methods such as ACH transfers, wire transfers, or checks. While these options are reliable, they require immediate funds from the business bank account. When several invoices are due at once, this can place real pressure on working capital, especially when customer payments are still pending.

Because of this, many businesses are exploring ways to pay vendors with a credit card even if the vendor does not accept card payments directly. Modern vendor payment solutions in the fintech for SMB space make this possible by acting as an intermediary between the business and the vendor. The business funds the payment using a credit card through the platform. The platform then sends the payment to the vendor through their preferred method, such as ACH, wire transfer, or check. The vendor receives the payment normally while the business benefits from the flexibility of paying by credit card.

Platforms such as Zil Money's pay by credit card feature provide tools designed to support this type of payment process. Businesses can manage their vendor payments in one place while keeping vendor relationships unchanged. Credit card processing fees apply to vendor credit card payments. Terms apply. See zilmoney.com/terms-and-condition for full details.

For companies interested in learning more about vendor payment through credit card or how pay by credit card systems work, exploring resources available on the Zil Money website can be a helpful starting point.

*Cash back on qualifying transactions when funds are maintained in Zil Money Wallet. Subject to program terms and qualifying criteria. See zilmoney.com/terms-and-condition for details.

Many businesses run into the same challenge. Vendors prefer ACH transfers, wire payments, or checks — but the business wants to pay by credit card to manage cash flow and potentially earn rewards depending on their card program and qualifying transactions.

*Cash back on qualifying transactions when funds are maintained in Zil Money Wallet. Subject to program terms and qualifying criteria. See zilmoney.com/terms-and-condition for details.

The good news is that modern fintech platforms have made this possible without asking vendors to change anything about how they receive payments.

The Problem with Traditional Vendor Payments

ACH transfers and checks are reliable, but they pull funds directly from the bank account immediately. When multiple invoices land at the same time, this can put real pressure on working capital — especially when customer payments are still pending.

How It Works

Fintech platforms act as intermediaries between the business and the vendor. The process is straightforward:

Enter vendor payment details on the platform.

Fund the payment using a credit card.

The platform sends the funds to the vendor via ACH, wire transfer, or check.

The vendor receives payment through their usual method. Nothing changes on their end.

A Tool Worth Exploring

Zil Money's pay by credit card is one example of a fintech tool designed to support this type of flexible payment workflow. Businesses can fund vendor payments with a credit card while vendors continue receiving funds through traditional methods. Credit card processing fees apply to vendor credit card payments.

Terms apply. See zilmoney.com/terms-and-condition for full details.

Before choosing any platform, it is worth reviewing transaction fees, processing timelines, and compatibility with existing accounting systems.

The information provided is for general informational purposes only and does not constitute legal, financial, or tax advice.

Many businesses want to pay by credit card, but most vendors still prefer ACH, wire transfers, or checks. This can make managing vendor payments tricky.

Platforms like Zil Money’s pay by credit card feature allow businesses to fund payments with a credit card. The platform then converts the payment into ACH, wire, or check, so vendors receive their payment the way they normally expect.

Benefits include: • Better short term cash flow management • Organized business expenses in one statement • Potential credit card rewards • No need to ask vendors to change how they get paid

Before using this method, review fees and interest rates. When used responsibly, paying by credit card can make vendor payments more flexible without disrupting business operations.

Making Everyday Business Payments Easier

Managing routine business payments can still feel more complicated than necessary. Many service providers and suppliers prefer traditional payment methods, which limits flexibility and often means missing out on credit card rewards.

Modern fintech for SMB platforms are helping simplify this process. Solutions like Zil Money offer a Pay by Credit Card option that allows businesses to use a credit card for payments while recipients receive funds through their preferred method, such as ACH, wire, or check.

This approach helps maintain steady cash flow, reduces administrative work, and makes accounts payable easier to manage. It also allows businesses to earn rewards on payments that were already part of regular operations.

Can You Pay Employees with a Credit Card?

Yes, but not directly.

Most payroll systems require ACH transfers or bank withdrawals, so employers usually cannot enter a credit card to run payroll. However, businesses can still pay by credit card using third party payment platforms.

Platforms like Zil Money’s pay by credit card feature allow companies to fund payroll with a credit card. The platform then converts the payment into ACH, wire transfer, or check, so employees receive their salaries normally through direct deposit.

Why do businesses consider this?

• To manage short term cash flow gaps • To extend payment timing using the credit card billing cycle • To earn potential cashback or rewards • To handle seasonal revenue fluctuations

From the employee’s side, nothing changes. Payroll is delivered the same way and on time.

Before deciding to pay employees with a credit card, it is important to review transaction fees and interest rates. If balances are not paid off quickly, costs can increase.

Business payments don’t have to be complicated to be smarter.

Pay with a credit card. Let the recipient choose how they get paid.

That’s the idea behind Pay by Credit Card.

Platforms like Zil Money help simplify accounts payable while keeping cash flow flexible.

Many business owners search for ways to pay employees with credit card, especially during tight cash flow periods. While most payroll providers only accept ACH or bank transfers, there is still a way to make it work.

Businesses can pay by credit card indirectly using financial platforms. Platforms like Zil Money’s pay by credit card feature allow employers to fund payroll with a credit card, and the platform converts the payment into ACH, wire transfer, or check.

Here’s how it works:

• Fund payroll using a credit card • The platform processes and converts the payment • Employees receive direct deposit as usual

This method can help improve short term cash flow and extend payment timing through the credit card billing cycle.

Some payments still feel unnecessarily manual.

Rent. Services. Monthly bills.

Checks go out. Transfers get scheduled. Credit card rewards get left behind.

That’s why fintech for SMB exists. Platforms like Zil Money make Pay by Credit Card possible—while recipients get ACH, wire, or checks.

Can You Pay Payroll with a Credit Card?

Many business owners wonder if payroll can be funded with a credit card. While most payroll providers only accept ACH withdrawals, businesses can still pay by credit card indirectly using financial platforms.

Platforms like Zil Money’s pay by credit card feature allow businesses to fund payroll with a credit card while the platform converts the payment into ACH, wire transfer, or check.

Here’s how it works:

• Fund payroll using a credit card • The platform processes and converts the payment • Employees receive direct deposit as usual

Small and medium businesses often face a frustrating reality: vendors want to be paid on time, but many don’t accept credit cards. That leaves business owners choosing between draining cash reserves or missing out on valuable credit card rewards.

Traditional business payments like ACH, wire transfers, and checks get the job done—but they don’t always support healthy cash flow. When outgoing payments pile up before incoming revenue clears, managing accounts payable becomes stressful.

That’s where the idea of Pay by Credit Card comes in.

With modern vendor payment solutions, businesses can fund payments using a credit card—even if the vendor only accepts ACH, wire, or check. Fintech platforms process the card transaction and then deliver the funds to the vendor through their preferred method. The supplier gets paid the way they expect. The business gains flexibility.

Platforms such as Zil Money are examples of how fintech for SMB is reshaping accounts payable. Instead of asking vendors to change their systems, these platforms act as a bridge between credit card funding and traditional payment methods.

Why does this matter?

• It can help extend cash flow cycles • It may allow businesses to earn credit card rewards • It simplifies tracking and managing vendor payments • It supports more strategic financial planning

For businesses comparing Zil Money alternative solutions, it’s important to review fees, processing timelines, and overall cost benefits. Pay by Credit Card tools can be powerful—but only when aligned with your financial strategy.

If improving cash flow and modernizing vendor payments is on your radar, exploring resources on the Zil Money website can offer useful insights into how these systems work and whether they fit your business model.

Tech startups usually have ongoing expenses like SaaS tools, cloud hosting, and contractor payments. The problem is that not every vendor accepts credit cards.

That’s where pay by credit card solutions come in.

Some fintech platforms, including Zil Money’s pay by credit card, allow startups to pay vendors using a credit card while vendors still receive traditional payment methods.

From what I’ve seen, this could help with:

Extending runway without delaying payments

Earning rewards on recurring business expenses

Keeping cash available for growth

Managing accounts payable more easily

Construction businesses often pay for materials, subcontractors, and equipment before client payments are received. Since most vendors prefer checks or bank transfers, cash flow can get tight during active projects.

Some companies are exploring pay by credit card options that allow businesses to use a credit card even when vendors do not accept cards directly.

Platforms like Zil Money’s pay by credit card allow businesses to fund payments with a card while vendors continue receiving ACH, wire, or check.

Potential benefits:

Better working capital management

Extended payment cycles

Credit card rewards on large operational expenses

Simplified vendor payment tracking

Healthcare practices often deal with steady expenses like medical supplies, lab services, and software subscriptions. The challenge is that many vendors prefer ACH, wire transfers, or checks.

That makes cash flow timing harder, especially when waiting on insurance reimbursements.

Some practices are looking at pay by credit card options. Platforms like Zil Money’s pay by credit card allow businesses to fund payments with a credit card while vendors still receive ACH, wire, or check.

From what I understand, the benefits can include:

Better cash flow between reimbursements

Earning credit card rewards on recurring expenses

Keeping vendor payments organized

Paying vendors on time without changing their setup

This seems like an interesting fintech solution for SMB healthcare providers.