---
updatedAt: 2026-04-20T16:51:32.000Z
agentTools:
  projectIndex: https://developer.bill.com/llms.txt
---

# BILL core capabilities

In this section, we list the BILL core product capabilities.

# The BILL advantage

With BILL, you reduce manual work while increasing visibility and control over your cash flow. BILL connects seamlessly with accounting systems, banks, and payment networks to move money securely and efficiently.

<Cards>
  <Card title="Massive BILL Network">
    Connect seamlessly with over 7 million vendors in the BILL Network.<br /><br />BILL automatically enables payments to connected vendors with ACH, virtual card, or check.
  </Card>

  <Card title="Enterprise-grade security">
    Rely on the BILL multi-layered risk & fraud protection engines.<br /><br />Move money without building your own compliance infrastructure.
  </Card>

  <Card title="Seamless integration">
    Connect with accounting systems, banks, & payment networks.<br /><br />Reduce manual data entry & get real-time visibility over your entire cash flow.
  </Card>
</Cards>

BILL is designed to move money quickly, securely, and in the the preferred payment methods of your customers and their vendors. With **12 payment rails and 8 payment modalities**, BILL ensures that vendors are paid on time, while handling the complexity of money movement.

# BILL Accounts Payable (AP) & Accounts Receivable (AR)

<Image align="center" caption="BILL AP & AR workflow" src="https://files.readme.io/c07966fd70d99c5cf3769c81000dc76cbdc16c8286dac64908cf8f8dd9ea118f-AP_AR_workflow_-_Page_2_5.png" />

## Accounts Payable (AP)

The BILL AP automation and payments platform enables businesses to capture invoices, route approvals, and send payments across multiple payment rails. Users gain access to the extensive BILL Network of over 7 million vendors to pay vendors in their preferred payment method.

### Core capabilities

<Cards>
  <Card title="Invoice intake">
    Use AI‑assisted data extraction to reduce manual entry.
  </Card>

  <Card title="Approvals & controls">
    Configure dynamic bill approval & policy‑driven workflows.
  </Card>

  <Card title="BILL Network">
    Connect with vendors to enable electronic payments. No manual vendor onboarding.
  </Card>

  <Card title="Bulk pay">
    Execute quick, efficient payment runs & schedule payments.
  </Card>

  <Card title="Compliance">
    KYC/KYB, OFAC, & AML checks are built-in for onboarding & payment services.
  </Card>

  <Card title="Tax filing">
    1099/W‑9 collection & e‑filing support to streamline year‑end reporting.
  </Card>
</Cards>

Set up AP payments with a wide range of payment methods.

| AP payment method      | Use case                                                                                                                                |
| :--------------------- | :-------------------------------------------------------------------------------------------------------------------------------------- |
| ACH & checks           | Pay domestic (US) vendors by bank to bank ACH payments or by physical checks.                                                           |
| Virtual cards          | Generate single‑use cards for secure, trackable vendor payments                                                                         |
| International payments | Set up wire payments to international vendors                                                                                           |
| Pay by card            | Pay vendors with a business credit card or bank account                                                                                 |
| Accelerated payments   | Pay vendors with BILL Pay Faster and BILL Instant Transfer. In addition, the BILL v3 API provides support for Real-Time Payments (RTP). |

## Accounts Receivable (AR)

The BILL AR solution enables businesses to create and send invoices, accept online payments, automate reminders, and reconcile faster.

### Core capabilities

<Cards>
  <Card title="Invoicing & automation">
    Customizable invoice templates, recurring invoice schedules, reminders, & customer tracking to accelerate collections.
  </Card>

  <Card title="Customer management">
    A portal to monitor invoice status & payment activity across all customers.
  </Card>
</Cards>

> 👍 All AR products are currently available only with the BILL v3 API
>
> At this time, you can bring BILL AR products and features in your systems only with a BILL v3 API integration. BILL Elements is currently not available for BILL AR.

# BILL Spend & Expense (S\&E)

<Image align="center" caption="BILL Spend & Expense workflow" src="https://files.readme.io/f5f853e4244042d89b013cde7f6bad1f92d9fd6a6ea389ce38b8b91690be2ae5-SE-workflow.png" width="450px" />

BILL S\&E is a corporate charge card and spend management platform that enables businesses to control budgets, issue charge cards (virtual ), capture receipts, reimburse out‑of‑pocket expenses, and reconcile faster.

### Core capabilities

<Cards>
  <Card title="Budgets & controls">
    Allocate spend for users, set limits, & enforce policies. Issue virtual & physical cards. Mobile wallet support for partners.
  </Card>

  <Card title="Expense capture & reimbursements">
    Employee expense receipt capture, categorization, & ACH reimbursements.
  </Card>

  <Card title="Policies & approvals">
    Set spend rules. Streamline reviews for budget, category, & card.
  </Card>

  <Card title="Accounting systems integration">
    Sync transactions & categories for accurate books & faster reconciliation.
  </Card>

  <Card title="Rewards">
    Earn rewards on eligible card spend & drive program adoption.
  </Card>

  <Card title="Underwriting">
    Built-in risk management. Credit controls determine lines & monitor delinquency.
  </Card>
</Cards>

> 👍 All S\&E products are currently available only with the BILL v3 API
>
> At this time, you can bring BILL S\&E products and features in your systems only with a BILL v3 API integration. BILL Elements is currently not available for BILL S\&E.