When managing vendor payments, timing is everything—especially if you're working with tight deadlines or coordinating cash flow across multiple accounts. That’s where BILL (formerly Bill.com) comes in, offering a streamlined way to pay bills electronically or by check. But exactly how long does Bill.com take to pay once a payment is scheduled?
Whether you're new to the platform or just need clarity on how payments are processed, this guide will walk you through the expected delivery times for each method supported by Bill.com.
If you’re funding payments directly from a linked bank account, Bill.com offers several delivery speeds depending on the method chosen:
- Standard ACH Bank Transfer: Automated Clearing House (ACH) payments are delivered in 2–4 business days
- Pay Faster: This expedited option delivers payments in 1 business day
- Same-Day ACH (Under $1 Million Before 10 A.M. Pt): These are processed and delivered in 0 business days
- Check In The Mail (via USPS): Delivery can take up to 10 business days
- Pay Faster Check In The Mail: These arrive in 1–3 business days
- International Wire Transfers: Delivery typically occurs within 2–6 business days, depending on the country
- Virtual Card: Delivered the same day or the next business day. After the vendor processes the card, they receive the funds in 1–2 business days
For users paying via credit card, the timeline differs slightly:
- ACH Delivery: Takes 1–2 business days
- Check In The Mail (via USPS): May take up to 10 business days
- International Payments: Typically delivered in 1–5 business days, depending on the destination
- Virtual Card: Delivered the same day or the next business day. Vendors receive funds within 1–2 business days of processing
If you’re using a BILL balance to fund your payments, here’s what to expect:
- ACH Delivery: Takes 1–2 business days
- Mailed Check (via USPS): Delivery can take up to 10 business days
- International Payments: Arrive in 1–3 business days, depending on the country
- Virtual Card: Delivered the same day or next business day, with funds reaching vendors 1–2 business days after card processing
The platform allows users to monitor the status of their payments through the ‘Payments Out’ page. Simply log in, select the payment in question, and view the available tracking information. This helps you stay informed and avoid surprises
Bill.com adheres to standard banking schedules, which means that weekends and bank holidays are not counted as processing days. If a payment is scheduled on a non-banking day, the system will automatically adjust the process date to the next available business day.
Additionally, e-payments, checks, and international payments are not processed on weekends or recognized bank holidays, which can result in extended delivery times if such days fall within the expected payment window. Bill.com recognizes the following as Federal Reserve bank holidays:
- New Year’s Day
- Martin Luther King Jr Day
- President’s Day
- Memorial Day
- Juneteenth National Independence Day
- Independence Day
- Labor Day
- Columbus Day
- Veteran’s Day
- Thanksgiving Day
- Christmas Day
Autopayments falling on a non-banking day are processed on the closest prior banking day to help ensure timely delivery. If a bank holiday lands on a weekend, it is usually observed the Friday before (for Saturday holidays) or the Monday after (for Sunday holidays).
Bill.com offers flexible options for both speed and delivery method, but the exact timing depends heavily on how you’re funding the payment and how it's being delivered. While ACH and virtual cards tend to be quicker, mailed checks—especially via USPS—can take longer.
To avoid delays, always account for weekends, holidays, and your selected disbursement method. And when in doubt, check your Payments Out page for real-time updates on your transactions.
By understanding these payment windows, businesses can plan ahead, meet deadlines confidently, and keep vendors happy—all while maintaining control over the payment process.