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

With Bill Pay, you can use your QuickBooks Checking account to pay bills directly. Or, you can connect another bank account or manually complete the micro-deposit process. 

You can also choose how you want to pay each vendor.  Use ACH transfers to pay bills online or use paper checks. QuickBooks issues and mails the checks for you.

Benefits of QuickBooks Bill Pay

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

QuickBooks Bill Pay has subscription plans designed to fit your monthly bill volume and business workflows. We offer plans for clients with few monthly bills or those who pay vendors frequently. An option is also available for advanced bill approval workflows.Select 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, which doesn't count toward your monthly ACH payments in your Bill Pay subscription tier.