---
updatedAt: 2026-08-03T14:24:11.000Z
agentTools:
  projectIndex: https://developer.bill.com/llms.txt
---

# BILL AP payments

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

# Flow of funds with BILL AP payments

At BILL, each AP payment consists of two components.

<Cards>
  <Card title="Funding" href="https://developer.bill.com/docs/ap-payment-funding-methods" icon="fa-wallet">
    Funding payment source. For example, your bank account.
  </Card>

  <Card title="Disbursement" href="https://developer.bill.com/docs/ap-payment-disbursement-methods" icon="fa-money-bill-trend-up">
    Vendor payment method. Examples include check and ACH.
  </Card>
</Cards>

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**.

<Steps name="Good funds model">
  <Step title="Receive funds">
    BILL gets funds from your specified funding payment source.
  </Step>
  <Step title="Begin disbursement">
    When BILL receives the funds, BILL starts moving funds to the vendor using the given disbursement method.
  </Step>
</Steps>

<Callout icon="👍" theme="okay">
  ### The flows for accelerated AP payments may be different

  See <Anchor target="_blank" href="https://developer.bill.com/docs/ap-payment-disbursement-methods#ap-payments-acceleration-options">AP payments acceleration options</Anchor> for more information.
</Callout>

# Documentation resources

<Table align={["left","left"]}>
  <thead>
    <tr>
      <th>
        Section
      </th>

      <th>
        Description
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        <Anchor target="_blank" href="https://developer.bill.com/docs/ap-payment-funding-methods">AP payment funding methods</Anchor>
      </td>

      <td>
        Learn about the range of BILL AP payment funding payment sources.
      </td>
    </tr>

    <tr>
      <td>
        <Anchor target="_blank" href="https://developer.bill.com/docs/ap-payment-disbursement-methods">AP payment disbursement methods</Anchor>
      </td>

      <td>
        Learn about the range of BILL AP payment disbursement methods.
      </td>
    </tr>

    <tr>
      <td>
        Bank account management
      </td>

      <td>
        <ul>
          <li>Add a bank account with the <code>POST /v3/funding-accounts/banks</code> API endpoint.</li>
          <li>Verify a bank account with the <code>POST /v3/funding-accounts/banks/bankAccountId/verify</code> API endpoint. See <Anchor label="/v3/funding-accounts/banks" target="_blank" href="https://developer.bill.com/reference/createbankaccount">/v3/funding-accounts/banks</Anchor> in the API reference for more information.</li>
        </ul>Securely add, verify, & manage bank accounts with <Anchor target="_blank" href="doc:add-funding-element">Add funding Element</Anchor> & <Anchor target="_blank" href="doc:manage-funding-element">Manage funding Element</Anchor>.
      </td>
    </tr>

    <tr>
      <td>
        Vendor setup
      </td>

      <td>
        Add domestic & international vendor records with the <Anchor target="_blank" href="doc:vendor-setup-element">Vendor setup Element</Anchor> or <code>POST /v3/vendors</code> API endpoint. See <Anchor target="_blank" href="https://developer.bill.com/reference/createvendor">/v3/vendors</Anchor> in the API reference for more information.
      </td>
    </tr>

    <tr>
      <td>
        AP payment management
      </td>

      <td>
        <ul>
          <li>Create a payment with the <code>POST /v3/payments</code> API endpoint.</li>
          <li>Cancel a payment with the <code>POST /v3/payments/{paymentId}/cancel</code> API endpoint.</li>
          <li>Void a payment with the <code>POST /v3/payments/{paymentId}/void</code> API endpoint. See <Anchor label="/v3/payments" target="_blank" href="https://developer.bill.com/reference/createpayment">/v3/payments</Anchor> in the API reference for more information.</li>
        </ul>Manage payments with <Anchor target="_blank" href="doc:payments-element">Payments Element</Anchor>.
      </td>
    </tr>

    <tr>
      <td>
        Check images
      </td>

      <td>
        Get check image data with the <Anchor target="_blank" href="doc:payments-element">Payments Element</Anchor> or <code>GET /v3/payments/{paymentId}/check-image</code> API endpoint. See <Anchor target="_blank" href="https://developer.bill.com/reference/getcheckimagedata">/v3/payments</Anchor> in the API reference for more information.
      </td>
    </tr>

    <tr>
      <td>
        AP payment status
      </td>

      <td>
        Get payment details with the <Anchor target="_blank" href="doc:payments-element">Payments Element</Anchor> or <code>GET /v3/payments/{paymentId}</code> API endpoint.

        Subscribe to payment webhook events & get real-time notifications for payment status changes. See <Anchor target="_blank" href="https://developer.bill.com/docs/webhooks">Webhooks</Anchor> for more information.

        <br /><br /> <strong>Note:</strong> Some payment status values are temporary. For example, a virtual card payment status can instantly go from <code>SENT</code> to <code>DELIVERED</code>. In this case, you may receive only the <code>DELIVERED</code> webhook notification.
      </td>
    </tr>
  </tbody>
</Table>