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Instant Transfer
Instant Transfer

Receive money in minutes for incoming payments

Want your customer payment faster than the standard 2-day processing time? Expedite the payment to get the money in your bank account in minutes. A fee as low as 1% applies.¹

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Why use Instant Transfer?

Get your money in minutes.2 Typically 2–7 days faster than standard processing.

Access your funds 24/7, including nights, weekends, and holidays.

Enjoy flexible, secure payment options that help you grow your business.

“I'm a small business with lots of money coming in and going out. We pay our drivers daily, so we need our money quicker. Instant Transfer helps us a lot, and even allows us to manage cash flow when our other clients pay more slowly.”
Tamekia Reid
Chariots of Fire Transportation

Money when you need it

  • Get paid, typically in minutes, over a faster network. No more waiting 2-7 calendar days for standard ACH payments to arrive.
  • Track your payment with confidence, knowing when it will show up in your bank account.

Fast, secure access to funds

  • Access your payments anytime—even nights, weekends, and holidays.
  • Receive payments securely thanks to encryption and industry-standard Transport Layer Security (TLS).

Flexible payment options

  • Get paid on your terms. Instant Transfer works with most major banks and debit cards, so you get paid how you want.
  • Select the payment frequency. Enable Instant Transfer for all payments or pick and choose when you want your money on an accelerated timeline.
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How it works

Instant Transfer delivers your payments within minutes using a premium, faster network, so you can access your funds 24/7 even on weekends and holidays. Without Instant Transfer, payments initiated while banks are closed can take 2–7 calendar days to hit your account.

Instant Transfer
Standard ACH ePayment delivery
Delivery
Transfers to your bank account within minutes2
Takes 2-7 calendar days to deposit
Network
Uses a premium payment network with
real-time settlement
Uses standard ACH network
Fee
Single fee between 1% and 1.49% of the total payment amount, $1 minimum
Free to the recipient
Frequency
Use as desired per payment or set as default for all eligible incoming payments
Applies to all payments

How to access Instant Transfer

If you’re eligible, you can access Instant Transfer directly from the notification email you receive when the payment is on the way. You can also manage Instant Transfer anytime by navigating to the settings menu in your BILL account.

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Frequently asked questions

Whether you’ve chosen Instant Transfer for a single payment or turned it on as a default for all of your payments, you’ll pay a fee between 1% and 1.49% of the transfer amount (with a minimum of $1) for each payment.

Whether you’ve chosen Instant Transfer for a single payment or turned it on as a default for all of your payments, you’ll pay a fee between 1% and 1.49% of the transfer amount (with a minimum of $1) for each payment.

Instant Transfer speeds up payments that are already on the way, moving money into your bank account in minutes for a small fee. Invoice Financing lets you get paid earlier on approved but unpaid invoices, advancing the invoice amount minus a one-time financing fee.

Instant Transfer speeds up payments that are already on the way, moving money into your bank account in minutes for a small fee. Invoice Financing lets you get paid earlier on approved but unpaid invoices, advancing the invoice amount minus a one-time financing fee.

Yes! If you have an eligible bank account, you can turn on Instant Transfer as the default setting for your future payments.

  1. Select Settings
  2. Select Receivables under Tools & Workflows
  3. Select Instant Transfer
  4. Toggle Enable Instant Transfer to on, for the bank account where you’d like us to automatically deposit all eligible Instant Transfer payments.

The bank account we’ll use for deposits is shown below the toggle. If your bank account isn’t eligible, you can try adding a debit card. Once you’ve turned it on, we’ll deposit all eligible payments into that account, minus the per-payment fee. If you want to stop using Instant Transfer, just toggle the setting to off.

Yes! If you have an eligible bank account, you can turn on Instant Transfer as the default setting for your future payments.

  1. Select Settings
  2. Select Receivables under Tools & Workflows
  3. Select Instant Transfer
  4. Toggle Enable Instant Transfer to on, for the bank account where you’d like us to automatically deposit all eligible Instant Transfer payments.

The bank account we’ll use for deposits is shown below the toggle. If your bank account isn’t eligible, you can try adding a debit card. Once you’ve turned it on, we’ll deposit all eligible payments into that account, minus the per-payment fee. If you want to stop using Instant Transfer, just toggle the setting to off.

Single payments up to $1,000,000 are eligible when transferred to a bank account and up to $50,000 when transferred to a debit card.

Single payments up to $1,000,000 are eligible when transferred to a bank account and up to $50,000 when transferred to a debit card.

Most major US banks (e.g Bank of America, Chase, Citibank, HSBC, PNC Bank, US Bank, and Wells Fargo Bank) accept Instant Transfers to checking and savings accounts. In some instances, eligible bank accounts can receive Instant Transfer through a debit card. Even if your bank account is eligible for Instant Transfer, some payments might not be.

Most major US banks (e.g Bank of America, Chase, Citibank, HSBC, PNC Bank, US Bank, and Wells Fargo Bank) accept Instant Transfers to checking and savings accounts. In some instances, eligible bank accounts can receive Instant Transfer through a debit card. Even if your bank account is eligible for Instant Transfer, some payments might not be.

Absolutely! We’ll deposit your payment via standard ACH ePayment to the primary bank account on your BILL account. You won’t be charged any fees for standard delivery.

Absolutely! We’ll deposit your payment via standard ACH ePayment to the primary bank account on your BILL account. You won’t be charged any fees for standard delivery.

There are two reasons this could be happening:

  • Some of your payments might not be eligible for Instant Transfer because they’re either more than the established limit of $1,000,000 per transaction when deposited to a bank account or more than the $50,000 limit when deposited to a debit card.
  • Only administrators and bank-authorized users can approve Instant Transfer.

There are two reasons this could be happening:

  • Some of your payments might not be eligible for Instant Transfer because they’re either more than the established limit of $1,000,000 per transaction when deposited to a bank account or more than the $50,000 limit when deposited to a debit card.
  • Only administrators and bank-authorized users can approve Instant Transfer.

Have more questions about BILL Instant Transfer?

Check out our full list of FAQs to learn more about how this feature works and how to use it to your business’s advantage.

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1A single fee between 1% and up to 1.49% of the total payment amount applies, $1 minimum.
2 Payments typically process in seconds, but it could take up to an hour to see the money in your account.