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Understanding payment schedules in Online Bill Pay

Learn how to schedule payments in Online Bill Pay in QuickBooks Online.

When you schedule a bill payment in QuickBooks Online Bill Pay, the timing of when your bill is paid depends on the amount of the payment, your transaction history, and is limited to banking business days. Here’s how the timing for bill pay is affected by those factors.

Note: This is only applicable for Online Bill Pay powered by and is not applicable for Online Bill pay powered by Melio. Not sure which one you have?

Here’s how to check if you have Online Bill Pay powered by or Melio:

  1. Sign in to QuickBooks Online.
  2. Go to the Apps menu.
  3. Select the My Apps tab.
  4. Find the Online Bill Pay app where you'll see either "Bill Pay-Powered by" or "Bill Pay-Powered by Melio".

When you pay bills for the first time

The standard payment timing for both ePayments and mailed checks is four banking days. After you establish a transaction history, you may qualify for payments below $10,000 to be sent on accelerated payment timing.

Accelerated ePayment timing is two banking days. Once your payment timing has been accelerated, you'll also have access to expedited payment options.

Schedule a bill

Here's what you need to know about paying a bill

  • Enter details on the bill and schedule a payment. (Schedule a payment by 6 PM PST, and we'll start working on it the next banking day).
  • We show you an expected arrival date for each payment.
  • Allow four banking days for the payment to be received by the vendor.
  • Check payments may take longer than four banking days to reach the vendor.
  • Banking days are Monday through Friday (excluding federal holidays).
  • The Pay Bills Online page will always show an "Arrives by" date for Bank Transfers. And "Est. arrival" date for paper check.
    Note: Check arrival dates for non-expedited payments are always shown as estimates, since we cannot guarantee USPS delivery times.

What you need to know about holidays and limits

  • The earliest process date you can select is the next banking day. (You can't select the current date.) Weekends and holidays don't count. If the day you select is a federal holiday or weekend day, we will push the process date to the next available banking day.
    Example: If you attempt to schedule a payment on Thanksgiving Day (Thursday), we will automatically make the process day Friday, which is not a federal holiday.
  • If a weekend or federal holiday falls within the regular processing time for a payment, the payment will be delayed. That delay will be reflected in the "Arrives By" date.
  • There is no daily limit on the amount you can pay a vendor. (However, your financial institution might have a limit.)
  • There is a per payment threshold that is activated for payments over $10,000, which will initiate a slower payment timing. This allows to ensure the funds are available prior to sending the payment to the vendor.

Payment schedule examples

Here are examples of bank transfer and paper check payment schedules.

Accelerated payment timing

Bank transfer (accelerated payment timing)
Bank transfer payment schedule for small amounts in QuickBooks Online

Paper check (accelerated payment timing)
Paper check payment schedule for small amounts in QuickBooks Online

Standard payment timing

Bank transfer (standard payment timing)
Bank transfer payment schedule for large amounts in QuickBooks Online

Paper check (standard payment timing)
Paper check payment schedule for large amounts in QuickBooks Online

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