INSTANT TRANSFER

Receive money in minutes with expedited payments

Choose to expedite customer payments into your bank account, typically in minutes. Get more control over cash flow and access your funds when you need them. 1% fee applies.
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Why use it?

Get paid in minutes*—2-7 calendar days faster than standard ACH.

*1% fee applies ($1 minimum).

Have 24/7 access to funds, including nights, weekends, and holidays.

Enjoy flexible, secure payment options to help you grow your business.

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“I'm a small business with lots of money coming in and going out. We pay our drivers daily, so we need our money quicker. Instant Transfer helps us a lot, and even allows us to manage cash flow when our other clients pay more slowly”

Tamekia Reid
Chariots of Fire Transportation

Money when you need it

Get paid, typically in minutes, over a premium network. No more waiting 2-7 calendar days for standard ACH payments to arrive.

Stay on top of your balance and know when payments will show up in your bank account.

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Fast, secure access to funds

Access your payments anytime—even nights, weekends, and holidays.

Receive payments securely thanks to encryption and industry-standard Transport Layer Security (TLS).

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Flexible payment options

Get paid on your terms. Instant Transfer works with most major banks and debit cards, so you get paid how you want.

Select the payment frequency. Enable Instant Transfer for all your payments or pick and choose when you want your money.

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How it works

Instant Transfer delivers your payments within minutes using a premium network. We use the Real-Time Payments (RTP) network, enabling you to access your funds 24/7 instead of relying on bank operating hours. Depending on when a customer initiates a payment, you’ll get funds disbursed to your account 2-7 calendar days faster than standard ACH.
Instant transfer vs standard ACH ePayment delivery
1Payments typically process in seconds, but it could take up to an hour to see the money in your account.

How to access Instant Transfer

If eligible, you can select Instant Transfer from incoming payment emails or directly in BILL. You can manage Instant Transfer anytime by updating your preferences in the settings menu.
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Frequently asked questions

How much does Instant Transfer cost?
Whether you’ve chosen Instant Transfer for a single payment or turned it on as a default for all of your payments, you’ll pay just 1% of the transfer amount (with a minimum of $1) for each payment.
Can I turn it on for all of my payments?
Yes! If you have an eligible bank account, you can turn on Instant Transfer as the default setting for your future payments.
  1. Select Settings
  2. Select Receivables under Tools & Workflows
  3. Select Instant Transfer
  4. Toggle Enable Instant Transfer to on, for the bank account where you’d like us to automatically deposit all eligible Instant Transfer payments.

The bank account we’ll use for deposits is shown below the toggle. If your bank account isn’t eligible, you can try adding a debit card. Once you’ve turned it on, we’ll deposit all eligible payments into that account, minus the 1% fee. If you want to stop using Instant Transfer, just toggle the setting to off.
Which payments are eligible?
Single payments up to $1,000,000 are eligible when transferred to a bank account and up to $50,000 when transferred to a debit card.
Which bank accounts are eligible to receive an Instant Transfer?
Most major US banks (e.g Bank of America, Chase, Citibank, HSBC, PNC Bank, US Bank, and Wells Fargo Bank) accept Instant Transfers to checking and savings accounts. In some instances, eligible bank accounts can receive Instant Transfers by adding a debit card. Even if your bank account is eligible for Instant Transfer, some payment types might not be.
Will I still get my payment if I don't choose Instant Transfer?
Absolutely! We’ll deposit your payment via standard ACH ePayment to the primary bank account on your BILL account. You won’t be charged any fees for standard delivery.
I turned on Instant Transfer as the default for all my payments, but some payments aren’t depositing instantly
There are two reasons this could be happening:
  • Some of your payments might not be eligible for Instant Transfer because they’re either more than the established limit of $1,000,000 per transaction when deposited to a bank account or more than the $50,000 limit when deposited to a debit card.
  • Only administrators and bank-authorized users can use Instant Transfer.
Have more questions about BILL Instant Transfer? Check out our full FAQ to learn more about how this feature works and how to use it to your business’ advantage.