Buyer Initiated Payments (BIP)
Automated push payments to suppliers can help improve control over the payment process.
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Business Accounts
Other Accounts
Credit Tools
Personal Cards
Business Credit Cards
Corporate Programs
Personal Travel
Travel Inspiration
Business Travel
Membership Rewards
Card Rewards and Benefits
Cash Back
Business Solutions
Payment Products
Other Business Solutions
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How BIP Can Improve Cash Flow Management and Streamline Your Payment Process
How It Works
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Order Goods and Services As Usual
Follow your existing order, approval and invoice processes to order and receive goods and services from suppliers.
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Initiate Payments to Suppliers
After an invoice is approved, submit the electronic payment instructions file to American Express to initiate payment. We will pay your suppliers directly and notify you when the payments are processed.
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Pay a Consolidated American Express Statement
Track payments and receive a single consolidated statement from American Express at the end of your billing cycle.
Features & Benefits
Improve Working Capital Flexibility
BIP enables your organization to extend Days Payable Outstanding (DPO) by 14 days while managing Days Cash on Hand (DCOH).1
1.The number of days by which your DPO is extended will vary depending on: (i) when during your American Express Card billing cycle you charge a transaction to a supplier; (ii) the date the transaction is posted to your account; and (iii) the date you pay the amount due on your American Express billing statement.
Increase Payment Efficiencies
Help drive efficiency and savings by reducing paper checks and transitioning to electronic payments.
Support Supplier Enablement
Our Supplier Enablement Team will work one-on-one with suppliers and help participating suppliers accept BIP.
Increase control
Automated push payments to suppliers can help improve control over the payment process.
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BIP in Action
With American Express Buyer Initiated Payments (BIP), USPI streamlined its relationships with vendors while reducing costs and inefficiencies associated with manual check production.