Send ACH payments with Ramp Bill Pay

ACH bill payments for businesses

ACH payment processing for businesses that need speed and control. Pay vendors faster, keep everything secure, and manage it all from one smart platform built to scale.

Join the 70,000+ businesses already simplifying their finances.

ACH that fits into your flow—without slowing it down.

From how you schedule payments to how vendors get paid, Ramp makes ACH work the way your business does—fast, flexible, and built to scale.

Standard and Same-Day ACH, on your terms.

Choose standard ACH for routine payments or same-day delivery when timing matters. Ramp supports both with complete visibility at every step.

Standard ACH: Arrives in 2-5 business days
Same-Day ACH: Available for eligible bills, with a flat $10 fee or free with a Ramp Business Account

Whether you're paying on a schedule or racing a deadline, Ramp gives you the flexibility to move fast and stay in control.

Standard and Same-Day ACH, on your terms.

Automate AP and sync everything effortlessly.

Ramp automates the entire bill pay process—from invoice capture to ACH payout—with built-in intelligence and seamless integrations.

Instantly extracts invoice data with OCR
Auto-codes line items using AI-suggested GL mapping
Routes approvals based on your custom workflows
Syncs to your ERP with NetSuite, QuickBooks, and more
Keeps vendor info, payments, and audit trails in sync

No more manual entry. No more duplicate updates.

Automate AP and sync everything effortlessly.

ACH not enough? Use any method, from one clear view.

Pay vendors however they prefer—ACH, card, check, domestic wire, or international wire—all from one platform.

Every transaction is tracked in real time, with clear visibility from debit to delivery—and automatic updates that keep vendors in the loop.

Set up ACH in minutes.

Connect your bank or open a Ramp account to start sending ACH payments—no delays, no paperwork.

Same-day ACH, free with Ramp Banking.

Move money faster—Ramp Banking users get unlimited same-day ACH transfers, free of charge.

Free to start, ready for big moves.

Ramp Bill Pay’s standard tier is free and includes powerful AP features that scale with your business.

See what our customers have to say about Ramp

Our previous bill pay process probably took a good 10 hours per AP batch. Now it just takes a couple of minutes between getting an invoice entered, approved, and processed.

Jason Hershey

VP of Finance and Accounting, Hospital Association of Oregon

The way bill pay works now is super easy. That was such a tedious process before. Now it’s just a couple clicks away, saving us about 10 hours a week and reducing errors.

Alejandro Calderon

CFO, Roof Squad

The whole process has gotten easier for the bill processor. For a recurring vendor, a 5-8 minute process now takes 1-2 minutes in Ramp. It’s literally a couple of clicks.

Richard Gobea

Finance Manager, Quora

Switching to Ramp for Bill Pay saved us time and a significant amount of money. Our previous AP automation tool cost around $40,000 per year and wasn’t working properly. Ramp is more functional at a fraction of the cost.

Frank Byers

Controller, The Second City

FAQs

ACH Bill Pay uses the Automated Clearing House network to send electronic payments for business bills. Businesses transfer funds directly from their bank account to the recipient’s for secure, low-cost one-time or recurring payments.

ACH is a cost-effective, secure alternative to checks and wires. It helps businesses pay vendors, employees, and contractors while improving cash-flow control, reducing manual entry, and simplifying reconciliation.

Same-day ACH is available on eligible bills that are fully approved by 4:00 PM ET. Certain exceptions apply—such as recurring bills, high-dollar payments, or vendors associated with high-risk banks. Eligibility may also be limited for new Ramp customers or those with outstanding balances. Learn more.

There's no maximum amount required to send a standard ACH payment through Ramp. Once the funds are withdrawn from your account, the payment is marked as paid in your accounting system—and marked as paid in Ramp once your vendor receives the funds. See more about Bill Pay Accounting.

Free, unlimited free same-day ACH and wires (domestic and international) for Ramp Bill Pay and reimbursements means never missing out on a single day of earning. To unlock unlimited, free same-day ACH, you'll need a Ramp Business Account when you sign up here.

There is no minimum balance or caps requirement and no fees required to maintain the Business Account. Learn more here.

Domestic wire: If approved before 1:00 PM ET, funds may arrive the same day. Otherwise, delivery can take 0-5 business days. Domestic wires cost a flat $15 fee.
Check: Ramp withdraws funds via ACH from your connected bank on the scheduled payment date (2-5 business days to clear). Once received, Ramp issues and mails the check within 4-7 business days. If a check isn't cashed within 180 days, Ramp will automatically void it.
International wire (USD): Ramp first ACH debits your account (1–4 business days), then wires the funds to your vendor (1-5 additional business days).

Learn more about payment timelines.

Yes. Ramp debits your account in USD via ACH, converts funds at competitive exchange rates, and delivers payment in the vendor’s local currency.

Upload or create a bill, choose ACH as the payment method, select your payment account, and schedule the payment. Ramp handles the rest.

Ramp automatically notifies AP teams via email and Slack when payments are sent, returned, failed, or modified. You can also track payment status for every bill directly on the platform. Learn more.

The following fees apply for other methods: