> ## Documentation Index
> Fetch the complete documentation index at: https://support.pexcard.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Getting Started with Bill Pay

> In just a few minutes, you’ll be ready to send bills via PEX: enable the feature, add your vendors (payees), and make sure your account is funded and permissions in place.

In just a few minutes, you’ll be ready to send bills via PEX: enable the feature, add your vendors (payees), and make sure your account is funded and permissions in place.

## 1. Before you begin

Before creating or paying bills, confirm the following:

### **Required permissions**

You must be:

* an **Admin**, or

* a user with **Bill Pay permissions**, including:

  * *Manage bills*

  * *Request/delete ACH transfer* (for ACH payments)

  * *Add vendors* (to create vendors)

### **Bank accounts**

* You must have **one or more external accounts** linked for ACH payments.

### **Vendors**

* You must have **at least one vendor** created before creating your first bill.

### **Optional**

* You can connect to supported accounting platforms (limited connectors today).

## 2. Enable the Bill Pay feature

To enable Bill Pay for your business:

1. Log in to the PEX Dashboard

2. Go to **Business settings**

3. Select the **Profile** tab

4. Scroll to the **Settings** section

5. Click **Edit**

6. Scroll to the **Bill Pay** section

7. Select **Enable**

8. Click **Save**

**Note:** Only Admins with *Edit Business Profile* permission can enable or disable Bill Pay.

## 3. Add & configure vendors

To create a vendor:

1. Log in to the Dashboard

2. Navigate to **Vendors**

3. Click **Add vendor**

4. Enter the following details:

   * Vendor name

   * Vendor website

   * Tax and custom IDs (if applicable)

   * Full vendor address

   * Vendor contact name, phone, and email

5. Upload supporting documents (optional)

6. Under **Payment Information**, select payment method(s):

   * **Virtual card** (requires email for remittance)

   * **ACH** (requires vendor bank account + routing)

7. Vendors can have *both* a virtual card and ACH profile.

8. Click **Submit**

### **Vendor approval**

* Vendors will go through the **vendor approval workflow** unless your account has an auto-approval setup.

* Users with **Manage vendors** permission automatically approve vendors.

You can:

* Edit vendor details

* Approve or reject vendors

from the Vendor Details page.

## 4. Set up approval policies (optional but recommended)

Bill Pay supports multi-level approvals.

To create a policy:

1. Dashboard → **Business settings**

2. Click **Approval policies**

3. Click **Create new policy**

4. Choose policy type:

   * Threshold-based

   * Tag-based

   * Advanced

5. Name the policy

6. Choose workflow types it applies to:

   * Bill pay requests

   * Bill pay transfers

7. Configure:

   * Auto-approval for requests under a threshold

   * Sequential approval routing (optional)

8. Click **Create**

9. **Enable** the policy using the **Status toggle**

Policies do not apply until they are enabled.

## 5. What’s next?

You’re now ready to:

* **Create and submit bills** → see [Bill Pay: Create & Send a Bill Payment](/administrator-guide/create-and-send-a-bill-payment) article

* **Approve, reject, or edit bills**

* **Create payments for approved bills**

* **Manage payment bundles**

If you need troubleshooting or want to view history/reports, see the [Manage & Troubleshoot Bill Pay](/administrator-guide/manage-troubleshoot-bill-pay) article