Accept credit cards & get paid faster

If you have an advanced Bill.com account, you can accept credit card payments from customers.

Jump to:

• Accept credit card payments with Bill.com
• Sign up to accept credit cards
• Toggle credit card payments on and off
• Things to know when you accept credit card payments with Bill.com
• Sync or reconcile credit card transaction fees when you accept credit card payments with Bill.com

Accept credit card payments with Bill.com

• Benefits of accepting payments via credit card: Get paid up to 3 days faster compared to ACH.
• Give your customers an easy way to pay: Allow your customers to easily submit online payments without needing to create a Bill.com account.
• 2.9% industry-standard, flat fee: 2.9% fee for all card transactions with no additional fees.
  • We charge the fee at the time of the payment, so the amount you receive from your customer/payer would be 2.9% less. To learn how to pass this fee to your customer, please see Manage convenience fees and credit card surcharges in the resources section below.

Sign up to accept credit cards

1. Log in to Bill.com
2. Select Settings
3. Select Receivables Settings
4. Select Online Payments in the navigation menu
5. Select Set UP next to Credit Card
6. If you're immediately approved, select Accept Cards Now
   • If you sync with an accounting software, select a card transaction fee expense account from the dropdown. This is where we'll sync card payment fees, then select Accept Cards Now
   • If additional documentation is required, select Apply now and follow the steps to add the requested documents.

You can also sign up while creating an invoice. Select Get Started under Online Payments when creating an invoice to get set up.

Toggle credit card payments on and off

Once you sign up to receive credit card payments, you can turn it on or off at any time.

1. Select Settings
2. Select Online Payments under Receivables Settings
3. Select Manage next to Credit Card
4. Toggle Accept credit card payments to on or off

Things to know when you accept credit card payments with Bill.com

• Credit card payments you accept through Bill.com will be deposited to your default Bill.com bank account
• Organizations that conform to HIPAA regulations will be automatically directed to our ACH portal experience. They'll be unable to accept credit card payments with our updated Bill.com experience at this time.
• Card Payments are processed immediately, and the payment will settle in bank accounts as soon as the next business day.

Sync or reconcile credit card transaction fees when you accept credit card payments with Bill.com

QuickBooks Online, QuickBooks Desktop, and Sage Intacct will automatically sync the transaction fees and convenience fees. NetSuite will automatically sync the transaction fees. For other accounting systems, you'll need to record those fees manually in your accounting system. To view & reconcile the fees charged on each transaction, download the Received Payments report.

1. Select Reports & Data
2. Under Receivables Reports, select Received Payments
3. Enter parameters for the report
4. Select View or Download

The example below shows how to record credit card transaction fees in your accounting system manually:

• On 1/1/2026, Acme Inc received 2 credit card payments totaling $400
• Credit card transaction fees total $11.60