Vendor Pay by

Here's an easier way
to manage your bills – all in
one place.

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

Enroll Now

How Vendor Pay Can Help Boost Your Business

Automate your accounts payable with Vendor Pay to:

Increase Efficiency

Skip the manual processing and go digital. Consolidate invoices and pay multiple vendors all in on place – whether by Card, check or ACH.

Maximize Cash Flow

Leave your checkbook at home. Improve your cash-flow flexibility by using your Card to pay vendors.

Get Rewarded

Watch the rewards add up. You'll earn the rewards of your Card1 when you use it to pay suppliers with Vendor Pay.

Enjoy Enhanced Security

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.

Simplify the Way You Pay

Simplify the Way You Pay
Watch Video

Simplify the Way You Pay

  1. Import

    Quickly upload your invoices and bills.

  2. Share

    Easily route invoices and details to your team for their review or approval.

  3. Pay

    Pay your vendors by Card, check, or ACH* – however they prefer.

  4. Reconcile

    Reconcile accounts digitally with reports and the option to sync select accounting systems.

*Check and ACH services are provided by and have "per transaction" fees. Payments made with checks and ACH are not eligible to earn rewards.1

Choose the Plan That Works Best for Your Business

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

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
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

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 is an Accounts Payable solution developed by American Express and Vendor Pay is designed specifically to meet the needs of small-business owners.

Vendor Pay includes the complete cloud-based 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:

  1. Complete the Vendor Pay enrollment page to receive a verification email.
  2. Go to your email inbox and select the verification link.
  3. Complete your company profile on the "Tell Us More" page and select Continue.
  4. 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).

It's easy to get started – enroll and register your Card today.

Enroll Now
Don't Do Business Without It

Terms and Conditions

1Vendor Pay by 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 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 and subject to change at'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.