Vendor Pay By BILL
Conveniently manage and pay your invoices with Vendor Pay by BILL1
You can save time and streamline invoice payments while earning the rewards of your Card2
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:
Efficiency and Convenience
Reduce manual, paper-based processes while paying several invoices with a few clicks.
Cash Flow Management
Rebalance working capital and grow buying power by using your Card to
pay suppliers.
Earn Rewards
Watch the rewards add up. You'll earn the rewards of your Card when you use it to pay suppliers with Vendor Pay.2
Enhanced Security
Reduce misuse with robust spending controls including setting spending limits and expiration dates.
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.
*BILL provides Check and ACH for additional fee. 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
1 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.
2 Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.
3Payments can only be sent to suppliers who accept payment methods currently supported by American Express.