bill pay by card

Pay vendors with a credit card

BILL Pay By Card lets you pay vendors by credit card—even if vendors don’t typically accept cards. Plus earn card rewards and better manage cash flow.
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Why pay vendors with your credit card?

The benefits keep stacking up.

Earn rewards

Collect all your favorite perks—points, miles, rebates, and more.

Defer payments

Give yourself more time to settle debts and free up cash flow.

Keep everything in sync

Reduce errors and cut down on manual data entry with automatic syncs to leading accounting software.

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How Pay By Card works

Decide which bill(s) you want to pay by card.

Add your Mastercard, Visa, American Express, or Discover card.

Make a card payment with your added credit or debit card.

BILL will charge your card for the payment (plus an industry-standard 2.9% transaction fee) and then pay your vendor via ACH, check, or virtual card depending on how they are set up in BILL.

International card payments, supported by Visa, Mastercard and Discover, will deposit into your vendor’s bank account. In addition to the 2.9% transaction fee, international card payments are subject to exchange rates and other fees.

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Pay By Card

Savings estimator

This calculator shows you how to offset credit card processing fees with tax benefits, cash back rewards, and early pay discounts. When you do the math, the benefits of putting business payments on credit card could outweigh the costs.

Use BILL Pay By Card payment solution to keep more cash on hand, make faster payments, and rack up credit card rewards—all while paying less than you might think.1
Fill out the fields to calculate your savings

 

Total: $5,800.00

Total: $4,000.00

Total: $1,624.00

Total: $0.00

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Potential savings:

$5,624.00

Total savings: cash back + tax write off + early pay discount

Making payments smart, fast, and cost effective

Earn credit card rewards

Spend and earn at the same time. Use BILL Pay By Card to pay vendors with a credit card and rack up the rewards.

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Manage business cash flow

Using a credit card to pay vendors means you can delay payment to hold onto cash for other necessary business expenses and be able to pay vendors the same day.

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Pay vendors anywhere

Whether your vendor is in the US or not, you can pay them with Visa, Mastercard, or Discover and still get the same benefits. *International card payments are subject to exchange rates and other fees.

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Discover why millions of businesses and top accounting firms use BILL

Frequently asked questions

Can I really pay vendors with my credit card, even if they don't accept cards?
Yes! To pay vendors with your credit card, BILL processes your credit card payment and then we pay your vendors by ACH payment, check, or virtual card (depending on how they are set up in our system).
How long do Pay By Card payments take?
If your existing vendor is set up to receive ACH payments, in most cases, funds will be deposited the next business day after your card has been processed. For vendors that have just signed up to receive ACH payments, it can take up to 5 business days to receive the first payment.

Check vendors will generally receive payments within 5 - 7 business days, depending on USPS mail delivery speed.

Virtual card payments are delivered the same business day or next day.

When you make a payment with your credit card, you’ll see the estimated date that the payment will be received by your vendor. We suggest scheduling with plenty of time for the payment to arrive in order to avoid late payments.
Will my vendor be charged for receiving Pay By Card payments?
No. We don't charge your vendor additional fees for receiving Pay By Card payments. You pay an industry-standard 2.9% fee for each transaction.
What if my vendor doesn't accept card payments?
No problem—you can pay vendors by credit card with BILL Pay By Card even if they don’t accept card payments. BILL processes the payment with your card, and then issues the payment to your vendor via ACH payment, check, or virtual card, depending on how you’ve set the vendor up. International card payments will be deposited into your vendor’s bank account.
What card types can I use?
Any U.S. credit or debit card may be used for BILL card payments, except prepaid cards or gift cards (which are not supported at this time).
Can I use my BILL Divvy Card on BILL?
Yes! You can use the BILL Divvy Card powered by Visa for all business expenses, including BILL.
Can I pay bills with a card using the BILL mobile app?
Yes! Paying bills with a card is now available on the BILL mobile app.
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Ready to get started?

Join the millions who pay or get paid with BILL.

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1 The potential savings is the dollar-amount total from the cash back, tax write-off, and early pay vendor discount, if available and applicable. The savings are provided by third parties not affiliated with or endorsed by Bill.com, subject to the respective providers' approval, and can change without prior notice.

Bill.com LLC doesn't provide tax advice and does not guarantee the accuracy of estimates provided by this estimator. By using this tool, you agree that Bill.com LLC isn't liable for any errors, omissions, misinterpretations, or actions taken based on the information provided by this estimator.