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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
Skip the manual processing and go digital. Consolidate invoices and pay multiple vendors all in on place – whether by Card, check or ACH.
Leave your checkbook at home. Improve your cash-flow flexibility by using your Card to pay vendors.
Watch the rewards add up. You'll earn the rewards of your Card1 when you use it to pay suppliers with Vendor Pay.
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.
*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.1
| 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 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, Membership Reward points 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:
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).
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.
2 Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.
