How to Pay Invoices via Credit Card to Any Account: Convert Your Card Limit into Bank Transfers

Have You Ever Experienced This? Your supplier’s payment or your office rent totaling IDR 20 million is due tomorrow. On the other hand, your cash is currently “locked” because you just used it to restock inventory or to cover other operational costs.

You have a credit card with a more than sufficient limit, but a classic problem arises: the vendor or landlord doesn’t have a credit card machine (EDC) and only accepts manual bank transfers.

This situation is a common headache for business owners, SMEs, and freelancers. You want to use your credit card so the cash in your savings stays secure, but the path isn’t there. Well, you don’t need to worry anymore because there is a solution.

For more details on paying invoices with a credit card, check out Pay by Card.

Real-Life Analogy: The Repair Shop Scenario

To understand how it works, let’s use a real-life example.

Imagine you are at an auto repair shop for a major service. The bill is IDR 5 million. Since it’s the end of the month, you want to pay with your credit card so your savings remain intact for other needs. However, the shop says, “Sorry, we don’t have an EDC machine; we only accept transfers to our BCA account.”

Usually, you’d be forced to drain your savings, right? But with Transfez, the process is effortless:

1. You “Pay” Transfez: You complete a transaction in the Transfez app using your credit card for IDR 5 million.
2. Transfez “Sends” to the Shop: Instantly, Transfez sends the cash equivalent of your transaction to the repair shop’s bank account.

The result? The shop owner is happy because they received a cash transfer, while you stay calm because your savings are untouched. You will only pay off that service bill next month when your credit card statement arrives.

The same applies when you want to pay a freelance designer, a home renovation contractor, or a supplier all of whom only accept bank transfers. Transfez acts as the bridge to convert your card limit into a bank transfer.

Why Should You Start Paying Invoices via Credit Card?

Using your credit card limit to pay bills isn’t just “delaying debt” it’s a smart financial strategy. Here are the primary benefits:

1. Cash Flow Management (Buying Time)

With this feature, you can settle bills that are due “today” using your card limit. Since credit cards usually have a grace period, you don’t actually pay the bank for another 30–45 days. This gives you “room to breathe,” allowing your business capital to circulate longer.

2. Turn Bills into Free Vacations

Ever imagined that paying office rent or supplier invoices could get you a free plane ticket? Every time you make a large transaction via credit card on Transfez, you still earn reward points or miles from your bank. Large transactions that used to be “wasted” through regular bank transfers can now get you to your holiday destination faster!

3. Keep Your Emergency Fund Secure

In business, cash is king. By utilizing your credit card limit for operational matters, you can keep your cash in savings as a reserve for truly urgent needs (emergency fund).

Read Also: Pay Local Vendors with a Credit Card? Here’s the Smarter Way with Transfez

Pay invoices using
a credit card Local & international Try Pay by Card →

How the Pay by Card Feature Works (No Hassle!)

The process is incredibly simple, and your vendor doesn’t need to have the Transfez app or an EDC machine. They will receive the funds just like a standard bank transfer.

Step-by-Step:

• Input Data: Open the Transfez app, enter the vendor’s bank account number and the invoice amount. You will need to upload a photo of your invoice.
• Select Method: Choose the Credit Card payment option.
• Confirmation: Review the transparent admin fees upfront (no hidden charges).
• Success: Transfez sends the funds to your vendor’s account. The money lands in their account, while your card limit is utilized.

Is It Safe and Legal?

Security is a top priority for the Transfez team. Transfez is an official financial platform that is licensed and directly supervised by Bank Indonesia. Your credit card data is protected with global banking-grade encryption standards, so you can transact with total peace of mind.

Don’t let your business or personal needs be hindered just because a vendor can’t accept card payments. With Transfez, you have full control to pay invoices via credit card anytime, anywhere. Turn your card limit into a practical bank transfer solution today!

Read Also: Pay by Card, The Smarter Way to Pay International Invoices!

Download Transfez App

Transfez App can help you transfer money abroad more quickly and efficiently. Jack Finance can also help your business in making transactions abroad. For those of you who want to send money to relatives who are abroad because they are studying, working, or traveling, Transfez will be ready to help. This app is available on Android as well as iOS.