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American Express® Vendor Payments

Transform vendor payments from overdue to under control.

When paying suppliers proves challenging, our vendor payment solutions improve cash flow, help manage invoices, provide working capital, offer early payment discounts, and help strengthen vendor relationships. You’ll also earn rewards1 when you use your American Express® Card!

Our vendor payments pay off in discounts and efficiency.

Buyer Initiated Payments
Buyer Initiated Payments
Reduce processing
time and costs.
Buyer Initiated Payments
Reduce processing
time and costs.
Early Pay
Early Pay
Earn vendor
discounts.
Early Pay
Earn vendor
discounts.
vPayment
vPayment
Gain control.
Enhance security.
vPayment
Gain control.
Enhance security.
Automated Payments
Automated Payments
Increase efficiency
& cash flow.
Automated Payments
Increase efficiency
& cash flow.

Buyer Initiated Payments

If your company has multiple domestic and/or international suppliers, Buyer Initiated Payments drive payment process efficiency and improve cash flow.2
  • Maximize process efficiency
  • Control payments
  • Improve working capital
No American Express® Card required
Buyer Initiated Payments from American Express

Early Pay

Receive discounts, generate revenue, and strengthen vendor relationships by accelerating payment terms — while facilitating payments.
  • Generate revenue from vendor discounts3
  • Increase flexibility and funding control
  • Improve working capital
Requires an American Express® Corporate Purchasing Card
For more information, contact your account representative.
Early Pay from American Express

vPayment

This simple digital payment solution assigns a unique Virtual Account Number to each transaction, enhancing control, security, and the ability to easily match and reconcile transactions.4
  • Gain control
  • Simplify reconciliation
  • Enhance security
No American Express® Card required
vPayment from American Express

Automated Payments

Reduce manual process. Eliminate check-writing. Streamline how you pay suppliers by automating your accounts payable process – while taking advantage of Card benefits.5
  • Streamline accounts payable
  • Increase efficiency and cash flow
  • Earn the rewards of your Card
Requires an American Express® Business Card or Corporate Program
If you are a small business, we recommend Vendor Pay by Bill.com, which helps streamline how you pay business bills.6
Automated Payments from American Express
Corporate and Business Credit Cards from American ExpressCorporate and Business Credit Cards from American Express

Not a Card Member?

An American Express® Corporate or Business Credit Card gives you access to our Vendor Payments Solutions, and many other valuable benefits.

Grow your company with other American Express® Business Payment Solutions

Employee Spending

Gain control of employee spending — increasing savings, efficiency, transparency and accountability.

Expense Management

Save time tracking expenses, reconciling and paying invoices while increasing working capital.

International Payments7

Send and receive foreign currency wire payments securely8 without set-up9 or maintenance fees.

Terms and Conditions

1. Not all products are eligible for rewards.
2. The terms of your financial incentive payment will be governed by your BIP agreement with American Express.
3. Discount will vary based on early payment date selected, supplier creditworthiness and other factors.
4. vPayment can help reduce the risk of fraud with transaction-level controls which allow your company to set a specific date range and pre-authorization amount for payments.
5. 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.
6. 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.
7. FX International Payments is a service of American Express Travel Related Services Company, Inc. (“American Express”). This service is not available to consumers. To enroll in the service, your business will be required to complete an application which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1-833-319-7265.
Please note that, if someone other than you completes the application to enroll your business in the FX International Payments services, the approval process may be delayed. Also note that, if you choose to fund your payments using a bank account other than the account on file with American Express, your application may also be delayed.
8. FX International Payments incorporates encryption, both for stored data (such as account information) and for payments created and transmitted in real-time. The FX International Payments platform is deployed within American Express’ state of the art data center that features advanced online and offline security and monitoring against internet attacks. FX International Payments implements American Express standards relating to information integrity, transaction security and information security.
9. American Express makes money from currency exchange.
Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.
NMLS ID #913828