In this section, we explain how AP payments work at BILL. This includes funding payment methods, and delivery options, timing, and status tracking.

Flow of funds with BILL AP payments

At BILL, each AP payment consists of two components.

Funding

Funding payment source. For example, your bank account.

Disbursement

Vendor payment method. Examples include check and ACH.

For example, you pay a vendor using funds from your bank account (Funding), and the vendor receives the payment with a paper check (Disbursement).

BILL typically operates on a good funds model.

Receive funds

BILL gets funds from your specified funding payment source, and

Begin disbursement

When BILL receives the funds, BILL starts moving funds to the vendor using the given disbursement method.

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The flows for accelerated AP payments may be different
See AP payments acceleration options for more information.

Documentation resources

Section	Description
AP payment funding methods	Learn about the range of BILL AP payment funding payment sources.
AP payment disbursement methods	Learn about the range of BILL AP payment disbursement methods.
Bank account management	Add a bank account with the `POST /v3/funding-accounts/banks` API endpoint. Verify a bank account with the `POST /v3/funding-accounts/banks/bankAccountId/verify` API endpoint. See /v3/funding-accounts/banks in the API reference for more information. Securely add, verify, & manage bank accounts with Add funding Element & Manage funding Element.
Vendor setup	Add domestic & international vendor records with the Vendor setup Element or `POST /v3/vendors` API endpoint. See /v3/vendors in the API reference for more information.
AP payment management	Create a payment with the `POST /v3/payments` API endpoint. Cancel a payment with the `POST /v3/payments/{paymentId}/cancel` API endpoint. Void a payment with the `POST /v3/payments/{paymentId}/void` API endpoint. See /v3/payments in the API reference for more information. Manage payments with Payments Element.
Check images	Get check image data with the Payments Element or `GET /v3/payments/{paymentId}/check-image` API endpoint. See /v3/payments in the API reference for more information.
AP payment status	Get payment details with the Payments Element or `GET /v3/payments/{paymentId}` API endpoint. Subscribe to payment webhook events & get real-time notifications for payment status changes. See Webhooks for more information. NOTE: Some payment status values are temporary. For example, a virtual card payment status can instantly go from `SENT` to `DELIVERED`. In this case, you may receive only the `DELIVERED` webhook notification.