Learn about QuickBooks Bill Pay

Many small businesses use QuickBooks for recording bills and managing their finances. QuickBooks offers Bill Pay, a built-in solution, to automate bill recording and payments.

Streamline your accounts payable with tools to optimize your cash flow, fuel your growth, and stay tax ready.

How QuickBooks Bill Pay works

QuickBooks Online Bill Pay gives you multiple options for how to to pay your bills. You can connect your preferred bank account with a micro-deposit verification process, or use your QuickBooks Checking account to get started.

Once set up, you can choose how you'd like to pay each vendor — either by ACH transfer or by paper check. QuickBooks makes it simple by issuing and mailing the checks for you.

QuickBooks Bill Pay also helps manage bills, vendor records, 1099 forms, and financial reports all in one place.

• Upload or import invoices so you can quickly save to your books. Import a vendor’s invoice and QuickBooks creates a bill for you. Just review and save it. You can also schedule future payments.
• Manage vendors, contractors, and your cash flow with one tool. Simplify how money comes in and out of your business. Let QuickBooks handle ACH payments and checks.
• Keep track of your vendors and contractors' 1099s at year-end and file them with QuickBooks to stay in compliance. With Bill Pay Premium or Elite, file and issue unlimited 1099s for no additional cost.
• Give your team roles and permissions to create, approve, and pay bills. You can limit access to the books. Bill approval workflows keep your payment process balanced and automated. These features are in QuickBooks Bill Pay Elite or any Bill Pay plan with QuickBooks Online Advanced.

Subscription plans, processing fees, and delivery times

We've now included Bill Pay Basic as part of your QuickBooks plan! QuickBooks Bill Pay simplifies your bill-paying process with flexible options that work for any business size. You can upgrade to advanced plans for enhanced features like unlimited 1099 e-filing, custom Bill Pay, user roles, and multi-step bill payment approvals. Find the one that works best for you.

Bill Payment processing fees

QuickBooks Bill Pay subscription fees are charged at the start of your billing cycle. Bill Pay processing fees are charged at the end of the last month's payments. They are based on the date you choose to withdraw the money.

Standard payment processing times

• ACH: 3–5 business days
• Check: 8–10 business days

Note: Delivery times can vary due to third-party delays or risk reviews.

Faster ACH Payments

Eligible QuickBooks Bill Pay customers can choose Faster ACH Payments to schedule bill payments to be paid in 1 business day, which excludes weekends and federal holidays. 

Faster ACH Payments:

• Are subject to an additional processing fee for each bill payment. 
• Need to be scheduled by 5 PM PT on business days to be delivered by the next business day. Delivery times can vary due to third-party delays or risk reviews.
• Are limited to a maximum of $25,000 per payment. This payment doesn't count toward your monthly ACH payments in your Bill Pay subscription tier.