Paying with checks: what vendors receive

Pay business bills lets you pay your vendors using your Capital One Business bank account.

Regardless of how you pay, your vendors receive an ACH bank transfer or paper check issued by our accounts payable provider Melio, on your behalf.

Paper checks will arrive in approximately 5-7 business days at the address you specified. To see more about delivery timelines, please see the following guide. 

You'll get an email when the check has been deposited.

Here's an example of the paper check your vendor will get:

💡 TIP: Leave a memo for your vendor to help reconcile payment

It’s a good idea to leave a memo for your vendor. It appears in the memo field on the check. The invoice number is added by default.

📝 NOTE: Memo lines for checks have a 50-character limit.

You can edit the check memo when reviewing & confirming the payment.

Check expiration

All checks have “Void after 90 days” printed on them. On the 91st day from the date of issue, the check will expire.