Vendor Pay by Bill.com is an Accounts Payable solution developed by American Express and Bill.com. Vendor Pay is designed specifically to meet the needs of small-business owners.

Vendor Pay includes the complete cloud-based Bill.com platform, which helps small businesses automate the way they pay bills and send invoices. Vendor Pay offers American Express® Card payments as the primary payment option.

Three different payment methods are available within Vendor Pay – the American Express® Business Card, automated clearing house (ACH) and check. ACH and check payments are made by linking your bank account to Vendor Pay.

You can earn rewards on payments made to your suppliers when you use your American Express® Business Card1.
Payments made with checks and ACH are not eligible to earn rewards.

In addition to paying with your American Express® Business Card, you can pay a supplier via check or ACH, in which case you will need to link a bank account. As a reminder, Membership Reward points are not earned on payments via ACH or check.

Yes. Payments can be made to international suppliers, provided they accept and process payments in U.S. dollars. Foreign transaction fees – if any – still apply.

Enrolling in Vendor Pay is easy – follow these steps:

• Complete the Vendor Pay enrollment page to receive a verification email.
• Go to your email inbox and select the verification link.
• Complete your company profile on the "Tell Us More" page and select Continue.
• Enroll your American Express® Business Card and/or link your bank account for ACH and check payments.

Vendor Pay generates a unique virtual account number so you don’t have to share business account information. The virtual account number expires after 30 days if not used. It can also be restricted to a specific amount and number of authorizations. Your supplier will enter the virtual account number where they normally enter card payments (POS terminal or other payment processing systems).

When you send a payment in Vendor Pay, we send your supplier an email that includes information they will need to process the payment, including the virtual account number, Supplier Remittance Report, and any other information the supplier needs to process the virtual payment. Your supplier will enter the virtual account number where they normally enter card payments (POS terminal or other payment processing systems).