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American Express

Vendor Pay By


Here's an easy way to manage your bills – all in one place.


American Express® Business and Corporate Card Members can receive, route, and pay invoices seamlessly online – with the opportunity to earn the rewards of your Card1. Get started by creating an account and enrolling your Card in Vendor Pay.2

It's easy to get started – enroll and register your Card today.

How Vendor Pay Can Help Boost Your Business


Automate your accounts payable with Vendor Pay to:


Increase Efficiency

Skip the manual processing and go digital. Consolidate invoices and pay multiple vendors all in on place – whether by Card, check or ACH.


Maximize Cash Flow

Leave your checkbook at home. Improve your cash-flow flexibility by using your Card to pay vendors.


Get Rewarded

Watch the rewards add up. You'll earn the rewards of your Card1 when you use it to pay suppliers with Vendor Pay.


Enjoy Enhanced Security

We've got your back, so you can have peace of mind. Every Card transaction you make is protected by the enhanced security of our virtual card technology.

Simplify the Way You Pay

  1. Import
    Quickly upload your invoices and bills.

  2. Share
    Easily route invoices and details to your team for their review or approval.

  3. Pay
    Pay your vendors by Card, check, or ACH* – however they prefer.

  4. Reconcile
    Reconcile accounts digitally with reports and the option to sync select accounting systems.

*Check and ACH services are provided by and have "per transaction" fees. Payments made with checks and ACH are not eligible to earn rewards.

Choose the Plan That Works Best for Your Business





First user: no monthly fee


Second user: no monthly fee for first 6 months, then $15 per month Additional users: $15 per user per month

  • Manage payables and receivables all in one place

  • Pay your bills from one easy interface

  • Use your Business or Corporate Card to send virtual payments to vendors who accept American Express® Cards

  • Invoice customers and receive electronic payments

  • Import bills via email or drag-and-drop – and eliminate paper

  • Export data for reporting and reconciliation








Per user per month

  • Everything from Basic plus automated workflow and syncing with your accounting software

  • Eliminate double data entry by syncing accounting software with QuickBooks® and Xero

  • Automate and track bill approvals

  • Generate robust reports

  • Customize roles and permissions for multiple users

  • Get approval-only access for an additional $10 per user per month


Advanced Plus




Per user per month, and $1,500 one-time implementation fee for integration support

  • Everything from Advanced plus the ability to sync with enterprise software

  • Sync with NetSuite and Intacct

Vendor Pay Services: The Breakdown

Payment Methods & Services Basic Plan Advanced Plan Advanced Plus Plan
Pay Bills by American Express No additional fee No additional fee No additional fee
Pay Bills/Receive Payments by ACH $0.99/transaction $0.49/transaction $0.49/transaction
Pay Bills by Checks $1.99/transaction $1.49/transaction $1.49/transaction
Mail invoices $1.99/transaction $1.49/transaction $1.49/transaction

Vendor Pay FAQ


Terms and Conditions


Vendor Pay by 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 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 and subject to change at's discretion. Fees are in addition to American Express Card fees. There are additional per transaction fees for check and ACH services.


Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.