Payment timing - Payables - ACH or check

When first starting with the Bill.com service, allow 4 banking days for both ePayments and mailed checks. All new accounts need to build payment history. After 5 successfully completed payments, payment timing will be accelerated to the default timing examples shown below (for example, ePayments under $5,000 will arrive in 2 banking days).

Paying a bill

  • Enter details on the bill and schedule a payment (Schedule a payment by 6 pm PT, and we'll start working on it the next banking day)
  • We show an expected arrival date for each payment
  • Allow 4 banking days for the payment to be received by the vendor (faster after 5 successfully completed payments)
  • Banking 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
  • Check arrival dates are always shown as estimates, since we cannot guarantee USPS delivery times, and may take longer than 4 banking days to reach the vendor.

Examples

ePayments

Small amount ePayment - Small amount

Large amount ePayment - Large amount

Vendor Direct payments

Small amount VCN - small amount

Large amount VCN - large amount

Check payments

Small amount Check - Small amount

Large amount Check - Large amount

When scheduling a payment via Bill.com, the earliest process date that can be selected is the next banking day (the current date can not be selected). Weekends and holidays do not count in the banking world; if the day selected is a bank holiday or weekend day, the system will automatically push the process date to the next available banking day.

  • Example: If attempting to schedule a payment on Thanksgiving Day (Thursday), the system will automatically make the process day Friday, which is not a bank holiday.
  • 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 do not operate on those days. That extra day will be reflected in the "Arrives By" Date.