Improve Cash Flow with Pay by Credit Card for Vendor Payments

Improve Cash Flow with Pay by Credit Card for Vendor Payments

Managing vendor payments is a constant responsibility for small and medium-sized businesses. While revenue may be steady, cash flow timing can create challenges—especially when vendors accept only ACH transfers, wire payments, or checks.

When payments must be made directly from a bank account, funds leave immediately. This can tighten working capital and reduce flexibility. At the same time, businesses may miss out on valuable credit card rewards that could be earned on everyday expenses.

This is where Pay by Credit Card solutions provide an alternative.

Pay by Credit Card allows businesses to fund vendor payments using a credit card, even if the vendor does not directly accept card payments. The payment platform processes the credit card transaction and sends the vendor funds through their preferred method, such as ACH, wire, or check.

From the vendor’s perspective, nothing changes. They continue receiving payment as usual. From the business’s perspective, the expense shifts to the credit card billing cycle instead of reducing the bank balance immediately.

Fintech platforms like Zil Money offer Pay by Credit Card features designed to help streamline business payments. This approach may support better cash flow planning, provide short-term flexibility, and allow businesses to earn credit card rewards on vendor expenses.

As fintech for SMB continues to grow, more companies are exploring vendor payment solutions that offer both convenience and control.

Before adopting any solution, businesses should review processing fees, credit card terms, and overall cash flow strategy. When used responsibly, Pay by Credit Card can be a practical tool for managing accounts payable more efficiently.

To better understand how it works, business owners can explore educational resources available on Zil Money’s website.

Location: United States

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