---
updatedAt: 2026-07-06T07:38:51.000Z
agentTools:
  projectIndex: https://developer.bill.com/llms.txt
---

# AP payment funding methods

BILL supports multiple AP payment funding methods: US-based bank account, credit card, and debit card.

## Bank account

A US-based bank account is a BILL funding payment method. There is no limit to the number of bank accounts you can add.

You can add an organization bank with the <Anchor label="Create a bank account" target="_blank" href="https://developer.bill.com/reference/createbankaccount">Create a bank account</Anchor> API endpoint or <Anchor label="Add funding Element" target="_blank" href="https://developer.bill.com/docs/add-funding-element">Add funding Element</Anchor> (automatically with Plaid or manually).

**NOTE:** Only the user who added the account can complete verification.

<Steps name="Add bank account">
  <Step title="Add bank account details">
    Add a bank account automatically with Plaid or manually.
  </Step>

  <Step title="BILL sends a test ACH deposit to the manually entered bank account">
    Verification requires a real micro-deposit to confirm bank account ownership. BILL sends a test ACH deposit, which can take up to 2 business days. The transaction description in your bank statement shows your company name and BILL.
  </Step>

  <Step title="Verify the manually entered bank account">
    Enter the exact amount to verify the bank account with the [Manage funding Element](https://developer.bill.com/docs/manage-funding-element) or the [Verify bank account](https://developer.bill.com/reference/verifybankaccount) API endpoint. You have 14 days to verify the bank account before the bank account expires.
  </Step>
</Steps>

**NOTE:** The user that manually added a bank account must be the one to complete verification.

<Image align="center" caption="Manually entered bank account verification workflow" src="https://files.readme.io/2f4c37f4925506edea03d13c7174b00bc70e7361a715c70e5f02cd45652169ba-bankverificationworkflow.png" />

### Important notes about bank accounts

| Note                         | Description                                                                                                                                                                                                                                                                                                                                                                                                   |
| :--------------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Invalid bank account details | If BILL cannot verify any details about a manually entered bank account (such as an invalid routing number), the bank account is invalidated.                                                                                                                                                                                                                                                                 |
| Default bank account         | The first verified bank account becomes the default payables account. You can update the default payables account with the BILL Web app.                                                                                                                                                                                                                                                                      |
| Debit block                  | If your bank has a debit block, use BILL ACH IDs to authorize BILL to withdraw funds. See <Anchor label="How to prevent or address debit blocks & failed fundings (R29) with BILL ACH IDs" target="_blank" href="https://help.bill.com/direct/s/article/115005913986">How to prevent or address debit blocks & failed fundings (R29) with BILL ACH IDs</Anchor> in the BILL Help Center for more information. |

## Pay by card

Credit card and debit cards are BILL funding payment method. You can fund vendor payments with a credit card or debit card even if the vendor does not accept card payments.

BILL processes a card payment with your card provider and then disburses the vendor via check, ACH, or virtual card.

> 👍 BILL does not set any additional temporary authorizations.
>
> When you pay by card, BILL authorizes only the payment & transaction fees. BILL does not set any authorization more than the payment amount.

### Pay by card benefits

<Cards>
  <Card title="Cash flow">
    You can defer card account payments until your credit card bill is due.
  </Card>

  <Card title="Rewards">
    Earn card rewards offered by your card provider.
  </Card>
</Cards>

### Important notes about pay by card

| Note             | Description                                                                                                                                                                                           |
| :--------------- | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Transaction fees | You pay an industry-standard transaction fee for each transaction (usually \~2.9%).                                                                                                                   |
| Compliance       | A set of card providers do not allow payments in specific vendor industries. For these providers and industries, you are required to set vendor industry information before you can submit a payment. |