Export reports to reconcile with your accounting software
No monthly fee for Basic version with single user. Fees apply for additional users and Advanced plans.
Accounts Payable Automation FAQ
What is Accounts Payable automation from American Express?
Accounts Payable automation solutions from American Express and participating software providers is a way to automate your accounts payable process with one of our strategic partners. With it, you can have visibility and control of your payments while enjoying earning the rewards of your Card.
How does Accounts Payable automation work?
Once we’ve worked with you to select an AP automation software provider, you will implement the software and enroll your American Express® Card in virtual payments. Once you’re up and running, you can see your invoices and select which invoices to pay with your American Express® Card. Payments are routed through your relevant approval workflows.
Once approved, payment is sent to your vendor or supplier as a unique virtual Card number—not the number on your American Express® Business or Corporate Card. We’ll send payment to your supplier via email. You can then reconcile the payment via your automation software.
You will automatically earn the rewards of your Card and repay us when you settle your American Express® bill each month.
How can Accounts Payable automation help me save time?
Streamlining your payments process isn’t just about saving time—it’s about potentially creating more productive time. Instead of a staff that’s tied to the desk inputting data, cutting checks, and reconciling payments, they may be able to pivot to the work that pushes business forward. With manual processing, it can take days to complete a payment. An automated payment system could streamline that process in real, measurable ways, such as fewer paper invoices to file and checks to write, less erroneous manual processing and complex end-of-month reconciliation, and faster transaction closure.
How can Accounts Payable automation help me save money?
Manual invoice processing may cost you money in postage, labor, and late fees. An automated payment system could shrink costs in ways such as reduced staff costs for supplier payment processing, heightened visibility into unpaid invoices and, in turn, fewer late fees. And when you make those online payments with your American Express® Card, you can continue earning the rewards of your Card with every eligible transaction.
How can AP automation help protect my company from fraud?
With AP automation from American Express and our participating software providers, unique virtual account numbers are generated and sent to vendors for approved payments, which can provide added security and more precise reconciliation.
What if my vendors don’t accept credit cards? Can I pay by check or ACH?
Some of our Accounts Payable automation software partners offer check or ACH payments for an additional per-transaction fee.
Which AP automation software providers do you work with?
Our participating Accounts Payable automation software providers are Bill.com, MineralTree, RewardWorks, Sage Intacct, SAP Concur, and Synaptic.
How much does it cost to use Accounts Payable automation from American Express?
Fees vary depending on your software provider and package. Please fill out the form to get a call back from a business services specialist to learn more.
Not a Card Member?
An American Express® Corporate or Business Credit Card gives you access to our Automated Payment Solutions, and many other valuable benefits.
1. Enrollment Users may be required to enroll their eligible American Express® Business, Corporate or Corporate Purchasing Card for virtual payments on the American Express® B2B Payments Card Enrollment portal. Users must sign up with one of our participating financial software providers and are subject to their terms. Fees may apply. To learn more, please contact your American Express® representative.
2. Rewards Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.
3. Vendor Pay Vendor Pay by Bill.com is available on American Express® Business and Corporate Cards. Card Members must sign up for Vendor Pay and enroll the Card for payments by going to www.americanexpress.com/vendorpay. Not all suppliers may accept American Express® virtual payments. The Basic plan has no monthly fee for the first user and no fee for a second user for six months from when the first user signs up. After six months, the second user will have a fee of $15 per month. The Advanced version has a monthly fee of $59 or $99 per user depending on select accounting systems. The monthly fees are set by Bill.com and subject to change at Bill.com’s discretion. Fees are in addition to American Express® Card fees. There are additional per transaction fees for check and ACH services.