American Express®Buyer Initiated Payments

Extend Payment Terms & Optimize Working Capital
With a Single, Digital Solution

Buyer Initiated Payments (BIP) is an electronic payment method that allows you to leverage your American Express billing cycle to extend payment terms with your suppliers. Use American Express BIP to extend your organization’s DPO ^‡ (Days Payable Outstanding), while managing DCOH (Days Cash on Hand).

Instead of using cumbersome paper based checks or ACH payments, simply pick the exact date and amount for your payments. Batch them like your standard check or ACH run, and American Express will process them as directed leaving you with cash in hand to better manage your business.