Zil Money has described a credit-card-funded payment workflow for businesses using Zoho payroll, separating the calculation of payroll from the movement of money to employees.

In an October 14, 2024 guide, the company states that payroll remains managed by the payroll software, while Zil Money handles the payments. The product is presented as an option for businesses managing a timing gap between receipts and payroll obligations.

The workflow described includes importing employee and check information, then processing payments through the platform. Zil Money also lists payment-data exports to Excel and tools for tracking transactions and reconciling bank activity.

A recipient does not necessarily need to accept a direct credit card transaction. The provider describes delivery through ACH, wire transfer, virtual card, eCheck or mailed check, depending on the payment arrangement selected.

Zil Money states that its arrangement does not impose a payee fee. That is distinct from the total cost to the business funding a payment, which can include the applicable service and credit card terms.

The article also discusses credit card points or cashback, including potential redemption for travel or gift cards. Such rewards depend on the card program and transaction eligibility; using credit to fund payroll does not establish that rewards will offset its costs.

The cash-flow purpose described is to move the date on which the business pays from its bank balance, with a credit card obligation arising in its place. Zil Money presents this alongside its account connectivity, transaction records and range of delivery methods, rather than as a change to how Zoho calculates employee pay.