Pay business bills processes your payments and delivers them to your vendors. If your vendor prefers paper checks, we'll send them for free on your behalf.
Paper checks are sent via USPS, and delivery to the vendor takes approximately 5-7 business days. For more information on delivery timelines, please see the following guide.
This guide covers the following:
🛡️Secure Check Protection
We offer you secure check protection. This gives you more control and security for paper checks that are delivered through the mail.
With check protection, you can enjoy the following benefits:
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Keeping your bank details secure
- Your bank details are never visible on paper checks. This helps protect you from check forgery and fraud.
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Allowing you better cash flow control
- You can choose when funds are debited, avoiding surprises from unpredictable vendor deposits. To understand more about when funds are withdrawn and delivered for check payments, please see the following guide.
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End-to-end handling
- With our secure check protection, you have complete control over when funds are withdrawn. By preventing unexpected deposits, we ensure your checks are protected from bounce risks, and you can easily void a check before it's deposited.
How to create a bill and send a check to a vendor
1- Sign in to your Capital One Business Banking account.
2- Once logged in, you'll see your business accounts displayed. Select the business checking account you want to use.
If you have more than one Capital One Small Business Banking account, you’ll need to log into each account and accept the Terms & Conditions in the same place.
3- Once in the desired business account, select Pay Business Bills from the dashboard.
First time logging in?
- Review the terms of service and privacy policy from the pop-up window.
- Once you have reviewed the terms of service and privacy policy, select the checkbox to accept the terms. To continue, select Get Started.
You have now successfully accepted the new terms and conditions. You can now begin exploring the new pay business bills experience.
4- Next, add a new bill. To do this, you can do either of the following:
- You can select + New Payment from anywhere on the pay business bills dashboard.
- In the Vendors tab, find the existing vendor you want to pay and select New Payment.
- In the Bills tab, you can create a new bill by selecting Create a bill.
5- Now, you can manually enter the bill details for the payment you want to create. Double-check that all the bill details are correct.
How to add a vendor
- To add a Vendor, start typing the vendor's business name in the search field. As you type, existing vendors will appear in the dropdown list.
- Select the vendor's name from the list to add the vendor to the bill you are creating.
If the vendor’s details have not been added to your My vendor list, type in the Vendor business name and select + Add new vendor to add the vendor to the bill you are creating.
Alternatively, you can upload an invoice. The details of the bill will then be added automatically from the invoice.
- To add an invoice, select Upload an invoice file.
- We accept PDF, JPEG, JPG, and PNG files up to 10MB
- Your uploaded invoice will appear on the left side of the screen.
- Need to make changes? Use Replace to upload a different file or Cancel to remove it
- Next, select the invoice from your device. It might take a few minutes for the invoice to upload. Once uploaded, the bill details will be automatically filled.
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Your invoice will now appear alongside your bill details. Please review the bill details and add or edit any information.
6- Select Continue to pay to proceed to payment.
7- Choose how you'd like to pay the bill. Select Continue.
8—Next, select how your vendor receives the payment. If you want to send a check, select Paper Check.
Learn about Paying by ACH Bank Transfer
Payments can also be deposited directly into your vendor's bank account via ACH Bank Transfer. ACH Bank Transfer is the fastest way to deliver funds to your vendors. To find out more about paying by ACH Bank Transfer, please see the following guide.
9- If you have not yet added a mailing address for your vendor, you will now need to add the mailing address. Select Continue.
10- Next, select the delivery date. This is the date when your vendor will receive the check.
- The prefilled date is suggested to meet the due date based on your chosen payment and delivery method. Under it, you can see what the debit date will be.
- To choose a different date than the suggested prefilled one, select the calendar icon. The calendar will open.
When you schedule a check payment, funds are withdrawn from your account, and your check will be delivered to the vendor. The check will be delivered 5-7 business days after the funds are debited. By changing the delivery date, you can choose when the funds will be debited, avoiding surprises from unpredictable vendor deposits.
The check itself will be physically delivered to the vendor 5-7 business days after debiting, ensuring a predictable and controlled payment process.
đź’ˇ To learn more about the difference between delivery and debit timelines when sending a check, please see the following guide.
11- Add a memo to the payment notification the vendor will receive. This will help the vendor understand the purpose of the payment. Select Continue.
12- Next, review the payment details. You can edit details by selecting Edit on the left of each listed detail.
13- After review, select Confirm and schedule payment.
14- Your payment is now scheduled. The check will be delivered 5-7 business days after the funds are debited.
15- Select Go to Dashboard to return to the dashboard.
How to pay an existing bill and send a check to a vendor
1- Go to the Bills tab.
2- Select an existing bill from the list and select Pay.
3- Select how you want to pay. Select Continue.
4—Next, select how your vendor receives the payment. If you want to send a check, Select Paper Check.
5—Fill in the vendor’s name and mailing address. The name will appear on the check, and the address will be saved in the vendor’s details. Click Continue.
6- Next, select the delivery date. This is the date on which your vendor will receive the check.
- The prefilled date is suggested to meet the due date based on your chosen payment and delivery method. Under it, you can see what the debit date will be.
- To choose a different date than the suggested prefilled one, select the calendar icon. The calendar will open.
When you schedule a check payment, funds are withdrawn from your account, and your check will be delivered to the vendor. The check will be delivered 5-7 business days after the funds are debited. By changing the delivery date, you can choose when the funds will be debited, avoiding surprises from unpredictable vendor deposits.
The check itself will be physically delivered to the vendor 5-7 business days after debiting, ensuring a predictable and controlled payment process.
đź’ˇ To learn more about the difference between delivery and debit timelines when sending a check, please see the following guide.
7- Add a memo to the payment notification the vendor will receive. This will help the vendor understand the purpose of the payment. If you have an account number with this vendor, it will automatically appear in this field, and you can add more information to help the vendor associate the funds with you. Select Continue.
8- Next, review the payment details. You can edit details by selecting Edit on the left of each listed detail.
9- After review, select Confirm and schedule payment.
10- Your payment is now scheduled. The check will be delivered 5-7 business days after the funds are debited.
11- Select Go to Dashboard to return to the dashboard.