Standard payment timing for both ePayments and mailed checks is four bank business days. After transaction history is established, customers may qualify for payments below $10,000 to be sent on accelerated payment timing. Accelerated ePayment timing is two bank business days. Once your payment timing has been accelerated, you'll also have access to Bill.com expedited payment options.
This timing applies to Advanced accounts only:
Advanced account: An account with a monthly fee that has additional features such as sync with accounting software, approvals, and the ability to accept payments or send payments to more people, regardless of account type or connection status
Jump to:
- Pay a bill
- ePayment timing
- Vendor Direct payment timing
- Check payment timing
- International payment timing
- Weekends and bank holidays
Pay a bill
- Enter details on the bill and schedule a payment (Schedule a payment by 6:00 pm Pacific Time / 9:00 pm Eastern Time, and we'll start processing it the next bank business day)
- We show an expected arrival date for each payment
- Allow 2-4 bank business days for the ePayment, and 7-10 days for check payment to be delivered to the vendor (faster after 5 successfully completed payments)
- Check arrival dates are always shown as estimates based on USPS delivery times. Bill.com can't affect USPS delivery times.
- International payment timing depends on the currency
- Bank business days are Monday through Friday (excluding bank holidays)
- The Pay screen will always show an Arrives by date for ePayments and Vendor Direct payments
- The Pay screen will show an Est. arrival date for checks
ePayment timing
Vendor Direct payment timing
Check payment timing
When scheduling a payment via Bill.com, the earliest process date that can be selected is the next bank business day (the current date cannot be selected). Weekends and holidays don't count in the banking world; you won’t be able to select a process date on a bank holiday or weekend day.
- If you setup autopay for a vendor and the process date falls on a bank holiday or weekend day, the system will automatically push the process date to the next available bank business day.
- If a weekend or bank holiday falls within the regular processing time for a payment, the "Arrives By" date will reflect the additional days added due to the bank holiday or weekend days since banks don't operate on those days.
International payment timing
Payment timing can vary depending on the country of beneficiary, the amount sent, and the time it takes to get the funds from your bank account. We'll provide you with an estimated delivery time when you schedule the payment.
- Also note that exact time of funds being made available on vendor’s bank account may vary from bank to bank.
When scheduling a payment, an estimated time of arrival is provided
Here's an example of a payment delivery schedule for accelerated payments (our operations team has reviewed your account and accelerated payment timing):
| Payment Currency | Monday (Day 0) | Tuesday (Day 1) | Wednesday (Day 2) | Thursday (Day 3) | Friday (Day 4) |
|---|---|---|---|---|---|
| CAD, EUR, GBP, HUF, MXN, USD (to Canada) | Payment is scheduled by 6:00 pm Pacific Time / 9:00 pm Eastern Time to be processed the following bank business day | We withdraw funds from your bank account and deposit the funds in your vendor’s bank account | |||
| AUD, CZK, DKK, HKD, ILS, NZD, PLN, QAR, SAR, SEK, SGD, TND, TRY | Payment is scheduled by 6:00 pm Pacific Time / 9:00 pm Eastern Time to be processed the following bank business day | We withdraw funds from your bank account | We deposit the funds in your vendor’s bank account | ||
| AED, BGN, BHD, BRL, BWP, CLP, GHS, JOD, KES, KRW, KWD, MYR, NOK, RON, RSD, THB, TWD, UGX, ZAR, USD (except to Canada) |
Payment is scheduled by 6:00 pm Pacific Time / 9:00 pm Eastern Time to be processed the following bank business day | We withdraw funds from your bank account | We deposit the funds in your vendor’s bank account | ||
| ALL, AMD, AOA, ARS, AWG, BDT, BMD, BND, BTN, BZD, CNY, COP, CRC, CVE, DOP, DZD, FJD, GEL, GIP, GMD, GNF, GTQ, GYD, HNL, HRK, IDR, INR, ISK, JPY, KGS, KMF, KYD, KZT, LKR, LSL, MDL, MGA, MKD, MNT, MOP, MUR, MWK, MZN, NAD, NPR, PEN, PGK, PHP, PYG, RUB, RWF, SBD, SCR, SLL, SVC, SZL, TJS, TOP, TZS, UAH, UZS, VND, XCD, ZMW | Payment is scheduled by 6:00 pm Pacific Time / 9:00 pm Eastern Time to be processed the following bank business day | We withdraw funds from your bank account | We deposit the funds in your vendor’s bank account |
Weekends and bank holidays
When you schedule a payment via Bill.com, the earliest process date you can select is the next bank business day. Weekends and holidays don't count in the banking world; you won’t be able to select a process date on a bank holiday or weekend day.
- If you setup autopay for a vendor and the process date falls on a bank holiday or weekend day, the system will automatically push the process date to the next available bank business day.
- If a weekend or bank holiday falls within the regular processing time for a payment, the "Arrives By" date will reflect the additional days added due to the bank holiday or weekend days since banks don't operate on those days.
The holidays listed below are all recognized as banking holidays by the Federal Reserve System, which means that on these days of the year banks are closed and not operating in their normal capacity. We cannot process ePayments (ACH), checks, and international payments on bank holidays.
- New Year’s Day
- Martin Luther King Jr. Day
- President’s Day
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans’ Day
- Thanksgiving Day
- Christmas Day
Keep an eye out for notifications of bank holidays while working in your Bill.com account so you can consider weekends and holidays when scheduling payments.
Do payments clear on holidays and weekends?
ePayments don't clear on bank holidays and weekends. If you schedule your payment on a weekend or bank holiday, we delay processing until the next business day.
If a weekend or bank holiday falls within the regular processing time for a payment, the payment will take an extra day to process, since banks don't operate on those days. That extra day will be reflected in the "Arrives By" Date.
If a bank holiday falls on a weekday
If you set up a vendor for auto pay and the scheduled process date falls on Christmas Day, which happens to be a Wednesday, the funds will be deducted on Thursday.
If a bank holiday falls on a weekend
If a bank holiday falls on a Saturday or Sunday, it could affect your payment process date. For example, if a bank holiday falls on a Saturday, it's usually observed on the Friday before.
