#fintechforsmb

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.

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.

here is what is actually happening in the manufacturing world right now.

businesses are spending tens of thousands of dollars every single month on supplier invoices, raw materials, equipment maintenance, and global supply chain payments. and the moment that payment goes out, the cash is gone. no rewards. no breathing room. no flexibility.

the reason? most vendors simply do not accept credit cards. so manufacturers are stuck paying immediately through bank transfers or checks, missing out on cashback and rewards that could genuinely add up to thousands of dollars annually.

this is exactly the gap that platforms like zil money's pay by credit card feature was built to fill.

here is how it works. a manufacturing business pays a vendor using a business credit card. the vendor receives payment through ACH, wire transfer, or check, whichever method they already prefer. nothing changes on the vendor side. no new accounts. no new software.

but on the business side, everything changes.

platforms like zil money give companies 30 to 45 days before the credit card bill is due, effectively extending cash flow without taking out a loan. every payment earns credit card rewards and cashback. accounts payable becomes centralized with real-time tracking. and the fee is a flat 2.9% with zero hidden charges.

for manufacturers spending $60,000 or more monthly, the annual rewards potential can significantly outweigh that processing cost.

turning everyday operating expenses into a financial strategy is not something most manufacturers think is possible. platforms like zil money are proving otherwise.

Cash flow problems are not always about profit. Often, they are about timing.

An invoice is due. The vendor prefers ACH. A check is acceptable. Credit cards are not.

For many small and medium businesses, that creates a small but constant friction.

Money leaves the bank immediately. Rewards go unused. Working capital feels tighter than it should.

This is where Pay by Credit Card solutions make a difference.

With platforms like Zil Money’s Pay by Credit Card, businesses can charge the payment to a credit card while the vendor receives funds through ACH, wire, or check — whichever method they prefer.

The vendor’s process stays the same. The business gains flexibility.

Payments move to the credit card cycle. Cash flow becomes easier to plan. Credit card rewards may still apply. Accounts payable stays streamlined.

For those comparing vendor payment solutions or exploring fintech for SMB, Zil Money’s website provides helpful resources explaining how Pay by Credit Card works and when it makes sense to use it.

Business payments are not always complicated. Sometimes they are just inflexible.

A vendor sends an invoice. They accept ACH or checks. The business prefers to use a credit card.

That situation happens every day for small and medium businesses.

It can mean immediate cash leaving the account. It can mean missing out on credit card rewards. It can mean tighter cash flow than necessary.

This is where Pay by Credit Card options enter the picture.

With fintech platforms like Zil Money’s Pay by Credit Card, a business can fund the payment using a credit card while the vendor still receives ACH, wire, or check. From the vendor’s side, nothing changes.

For the business, timing changes.

The expense shifts to the card billing cycle. Cash flow planning becomes more flexible. Rewards may still apply. Accounts payable stays organized.

For those researching vendor payment solutions or exploring fintech for SMB, Zil Money’s website offers straightforward explanations of how Pay by Credit Card works and what to consider before using it.

Healthcare practices regularly pay medical suppliers, labs, and software providers. Many of these vendors do not accept credit cards directly.

That is where pay by credit card offers flexibility.

Using solutions like Zil Money, healthcare practices can pay by credit card while vendors still receive ACH, wire, or check. This keeps vendor relationships smooth while improving payment timing.

Why healthcare businesses use pay by credit card: • Reduce cash flow pressure between reimbursements • Earn rewards on recurring medical expenses • Keep payments organized in one place • Avoid changing vendor payment preferences

Fintech tools for SMBs are helping healthcare providers manage business payments more efficiently.