Plastiq

Pay All Your Invoices With Card Even If the Business Doesn’t Accept

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  • mastercard
  • visa
  • discover
  • jcb
  • diners-club

Gain Instant Access to Credit

Forget small business loans — you already have a credit line in your wallet. Take advantage of your favorite card programs to pay any vendor, regardless of acceptance.

  • Eliminate the Need for Business Loans

    Use your existing cards to cover unexpected costs or make new investments in your business.
  • Improve Your Business Cash Flow

    Many business card programs offer 45 or even 60-day interest-free payment periods. Use credit without penalties.
  • Build Trust with Your Vendors

    With Plastiq, there’s no need to establish new credit lines to make payments up-front and on-time.

Make Payables Painless

Managing payables can be a chore — who wants to write checks or initiate wire transfers every month? Plastiq is the easiest way to pay all your vendors on card.

  • Manage All Your Vendors In One Place

    Whether your vendor prefers to be paid electronically or by check, you can manage them in one list with Plastiq.
  • Eliminate The Hassle Of Writing, Sending, and Tracking Checks

    Say goodbye to your checkbook because Plastiq has your payments covered.
  • Schedule Recurring Payments With Ease

    Plan ahead and save time with recurring monthly payments of all your invoices.

Reap Economic Incentives

Paying your invoices on Plastiq makes business sense. Advantages include reducing the amount due for all your invoices and minimizing the taxes you owe.

  • Qualify for Better Invoice Payment Terms

    Many vendors offer better payment terms if you pay earlier (e.g., 2/10 net 30). Save money by paying with Plastiq!
  • Deduct the Plastiq Fee On Your Taxes

    Plastiq’s transactional fees can be classified as a business expense on tax returns. Be smart and reduce your tax burden!
  • Build a Better Credit Score

    Using your cards actively is great for building your credit history. You’re already paying your invoices. Why not also build your credit with Plastiq?

Earn More Rewards

Turn business expenses into free flights, hotel stays, cash back, and more by using the personal or business credit card that works for you.

  • Take Your Next Vacation For Free On Points

    Did you know that business class air travel can be a steal when you pay with points? Travel in style with the rewards you earn with Plastiq.
  • Qualify For That Next Tier Of Card Status

    Have your eye on that premium card? It’s remarkably easy to obtain when you start putting business expenses on your cards!
  • Earn Cash Back On Payments You Otherwise Don’t

    Use your card to get something back for every payment you make on Plastiq.

Gain Instant Access to Credit

1/4

Forget small business loans — you already have a credit line in your wallet. Take advantage of your favorite card programs to pay any vendor, regardless of acceptance.

  • Eliminate the Need for Business Loans

    Use your existing cards to cover unexpected costs or make new investments in your business.
  • Improve Your Business Cash Flow

    Many business card programs offer 45 or even 60-day interest-free payment periods. Use credit without penalties.
  • Build Trust with Your Vendors

    With Plastiq, there’s no need to establish new credit lines to make payments up-front and on-time.

Make Payables Painless

2/4

Managing payables can be a chore — who wants to write checks or initiate wire transfers every month? Plastiq is the easiest way to pay all your vendors on card.

  • Manage All Your Vendors In One Place

    Whether your vendor prefers to be paid electronically or by check, you can manage them in one list with Plastiq.
  • Eliminate The Hassle Of Writing, Sending, and Tracking Checks

    Say goodbye to your checkbook because Plastiq has your payments covered.
  • Schedule Recurring Payments With Ease

    Plan ahead and save time with recurring monthly payments of all your invoices.

Reap Economic Incentives

3/4

Paying your invoices on Plastiq makes business sense. Advantages include reducing the amount due for all your invoices and minimizing the taxes you owe.

  • Qualify for Better Invoice Payment Terms

    Many vendors offer better payment terms if you pay earlier (e.g., 2/10 net 30). Save money by paying with Plastiq!
  • Deduct the Plastiq Fee On Your Taxes

    Plastiq’s transactional fees can be classified as a business expense on tax returns. Be smart and reduce your tax burden!
  • Build a Better Credit Score

    Using your cards actively is great for building your credit history. You’re already paying your invoices. Why not also build your credit with Plastiq?

Earn More Rewards

4/4

Turn business expenses into free flights, hotel stays, cash back, and more by using the personal or business credit card that works for you.

  • Take Your Next Vacation For Free On Points

    Did you know that business class air travel can be a steal when you pay with points? Travel in style with the rewards you earn with Plastiq.
  • Qualify For That Next Tier Of Card Status

    Have your eye on that premium card? It’s remarkably easy to obtain when you start putting business expenses on your cards!
  • Earn Cash Back On Payments You Otherwise Don’t

    Use your card to get something back for every payment you make on Plastiq.

A+ Rating with the Better Business Bureau

102,000 Businesses Paid

Business Payments to 157 Countries

Discover How Businesses Are Using Plastiq

Robert C.

CEO, Apparel Manufacturer

"Why would I take out a small business loan when I've already got a line on credit in my wallet? Plastiq empowers me to tap into my existing credit on my preferred credit cards."

Robert C.

  • CEO, Apparel Manufacturer
  • 55 Employees
  • Wholesale & Supplier

About Robert

Many vendors only accept cash and check for invoice payments, but with Plastiq, Robert is able to pay large invoices with his credit card for any bill of any amount. This also results in greater card rewards, which he uses for business trips and personal vacations.

Preferred Card

CitiBusiness AAdvantage<br />Platinum Select World Mastercard

CitiBusiness AAdvantage
Platinum Select World Mastercard

Why Plastiq?

Quick Access to Credit & Rewards

Payments Made Through Plastiq

  • Overseas Textile Supplier: $55,000
  • Tradeshow Booth: $25,000
  • Business Lease: $9,000 monthly payment

Vicky B.

Controller, Electronics Distributor

"Plastiq enables our business to take advantage of early pay discounts, which not only saves money, but allows us to purchase additional inventory at a discounted tier."

Vicky B.

  • Controller, Electronics Distributor
  • 236 Employees
  • Distributor

About Vicky

Because she can use her business card on Plastiq, Vicky is able to take advantage of early pay discounts offered by vendors. With early-pay discounts of 2-5%, her company is able to save money on all orders.

Preferred Card

U.S. Bank One Card

U.S. Bank One Card

Why Plastiq?

Early Pay Discounts & Convenience

Payments Made Through Plastiq

  • Electronics Supplier: $210,000 weekly payment
  • Warehousing: $30,000 monthly payment
  • Transport Services: $8,000 weekly payment

Stephen D.

Owner, Restaurant Group

“In the restaurant business, cash float is king. With Plastiq I can pay any vendor for any bill on my credit card without needing to sweat my company’s bank account balance.”

Stephen D.

  • Owner, Restaurant Group
  • 17 Full-time, 50 Part-time
  • Restaurant & Hospitality

About Stephen

Due to the cyclical nature of the food industry, better float management provides a huge advantage. By putting his largest expenses on his card, Stephen can still pay any vendor for any expense. In addition, Stephen is able to write-off the Plastiq fees as a business expense.

Preferred Card

Capital One Spark Business

Capital One Spark Business

Why Plastiq?

Cash Float & Tax Write Off

Payments Made Through Plastiq

  • Foodservice Distributor: $75,000 monthly payment
  • Appliance Supplier: $120,000 annual payment
  • Contractors: $17,000 monthly payment
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Robert C.

  • CEO, Apparel Manufacturer
  • 55 Employees
  • Wholesale & Supplier

About Robert

Many vendors only accept cash and check for invoice payments, but with Plastiq, Robert is able to pay large invoices with his credit card for any bill of any amount. This also results in greater card rewards, which he uses for business trips and personal vacations.

Preferred Card

CitiBusiness AAdvantage
Platinum Select World Mastercard

Why Plastiq?

Quick Access to Credit & Rewards

Payments Made Through Plastiq

  • Overseas Textile Supplier: $55,000
  • Tradeshow Booth: $25,000
  • Business Lease: $9,000 monthly payment
2/3

Vicky B.

  • Controller, Electronics Distributor
  • 236 Employees
  • Distributor

About Vicky

Because she can use her business card on Plastiq, Vicky is able to take advantage of early pay discounts offered by vendors. With early-pay discounts of 2-5%, her company is able to save money on all orders.

Preferred Card

U.S. Bank One Card

Why Plastiq?

Early Pay Discounts & Convenience

Payments Made Through Plastiq

  • Electronics Supplier: $210,000 weekly payment
  • Warehousing: $30,000 monthly payment
  • Transport Services: $8,000 weekly payment
3/3

Stephen D.

  • Owner, Restaurant Group
  • 17 Full-time, 50 Part-time
  • Restaurant & Hospitality

About Stephen

Due to the cyclical nature of the food industry, better float management provides a huge advantage. By putting his largest expenses on his card, Stephen can still pay any vendor for any expense. In addition, Stephen is able to write-off the Plastiq fees as a business expense.

Preferred Card

Capital One Spark Business

Why Plastiq?

Cash Float & Tax Write Off

Payments Made Through Plastiq

  • Foodservice Distributor: $75,000 monthly payment
  • Appliance Supplier: $120,000 annual payment
  • Contractors: $17,000 monthly payment

Start Paying All Your Invoices Today

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More On
the Plastiq Fee

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People use Plastiq to pay important bills on their favorite cards. We charge fees to cover the costs of running this service - more on that below - though most customers report that the value they receive from using their cards actually offsets the fees charged. These savvy cardholders take advantage of their cards’ reward programs, the ability to access short-term “loans” without interest, and other card benefits like purchase protection and easier budget tracking.

In some cases and especially during promotional periods, many cardholders receive rewards that actually earn them in excess of 4%-5% or even greater value back. Exact values vary, of course, according to your card program. We suggest you consult a reputable source like The Points Guy to learn more about getting the most from your cards.

More On
the Plastiq Fee

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Why Does Plastiq Charge a Fee?

Many merchants choose to NOT accept credit or debit cards, usually because it doesn’t make sense for them to pay the transaction fees associated with doing so. While your favorite restaurant might see fewer diners if they don’t accept cards, other businesses like landlords, insurers, schools, and contractors don’t have strong reasons to make payments convenient — after all, it’s unlikely that you will reject an apartment or school just because they don’t accept cards! These payments also tend to be some of the largest payments that any of us will make on a monthly or yearly basis.

Plastiq’s mission is to provide you the option of making any bill payment using your card. To fulfill this mission, we’ve set up with the card networks to process your cards, and we’ve plugged into the banking systems to send your payments out via bank transfer or physical check. Plastiq gets charged transaction fees for every payment, which we negotiate to industry-low rates and then pass onto you as a cost of using our service.

More On
the Plastiq Fee

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The Value of Cards

  • Rewards: For most customers, the fee we charge is largely offset by the value in rewards that they earn by putting payments on card.
  • Access to Credit: Using your credit card can help you deal with unexpected expenses or buy extra time to move your money around.
  • Security: Cards offer additional protection and security over other payment methods, backed by the authority of your issuing bank.