Yes! To pay vendors with your credit card, BILL processes your credit card payment and then we pay your vendors by ACH payment, check, or virtual card (depending on how they are set up in our system).

If your existing vendor is set up to receive ACH payments, in most cases, funds will be deposited the next business day after your card has been processed. For vendors that have just signed up to receive ACH payments, it can take up to 5 business days to receive the first payment.

Check vendors will generally receive payments within 5 - 7 business days, depending on USPS mail delivery speed.

Virtual card payments are delivered the same business day or next day.

When you make a payment with your credit card, you’ll see the estimated date that the payment will be received by your vendor. We suggest scheduling with plenty of time for the payment to arrive in order to avoid late payments.

No. We don't charge your vendor additional fees for receiving Pay By Card payments. You pay an industry-standard 2.9% fee for each transaction.

No problem—you can pay vendors by credit card with BILL Pay By Card even if they don’t accept card payments. BILL processes the payment with your card, and then issues the payment to your vendor via ACH payment, check, or virtual card, depending on how you’ve set the vendor up. International card payments will be deposited into your vendor’s bank account.

Any U.S. credit or debit card may be used for BILL card payments, except prepaid cards or gift cards (which are not supported at this time).

Yes! You can use the BILL Divvy Card^* powered by Visa for all business expenses, including BILL.

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^{*The BILL Divvy Card may be issued by one of Divvy Pay, LLC's bank partners. The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement.}

Yes! Paying bills with a card is now available on the BILL mobile app.