Vendor Pay | Automated Bill Payments | American Express B2B Payments

American Express

Vendor Pay By Bill.com

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.

Log in to Vendor Pay by Bill.com

Enroll Now

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

Import
Quickly upload your invoices and bills.
Share
Easily route invoices and details to your team for their review or approval.
Pay
Pay your vendors by Card, check, or ACH* – however they prefer.
Reconcile
Reconcile accounts digitally with reports and the option to sync select accounting systems.

*Check and ACH services are provided by Bill.com 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

Basic

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

Advanced

$59

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

$99

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

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, rewards 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).

Terms and Conditions

¹Vendor 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.

²Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.