Any staff member with BillPay access can upload an invoice or forward it to the account's dedicated bill email address to create a draft bill. Designated approvers - typically owners or finance managers - review and approve bills before payment. Multi-level approval rules can require sign-off by invoice amount, so a staff member preparing a bill and the owner approving it can be different people, with every action logged.

In Singapore, BillPay funds local SGD payments via PayNow or FAST bank transfer, and pays international suppliers in their local currency across a wide network of receiving countries. In the Philippines, BillPay funds local PHP payments via InstaPay and PESONet at launch. Each bill can be funded by PayNow, QRPH, or bank transfer, so the merchant decides exactly how and when money leaves the account.

A merchant can approve a bill ahead of time and schedule it to pay automatically on its due date, or any date chosen. Cash stays in the account until the scheduled date, and the payment executes and notifies the merchant without a calendar reminder. This protects cash flow while avoiding the late-payment friction of forgetting a due date.

A bill moves through clear stages in HitPay BillPay: Draft (captured but not submitted), Pending Approval (awaiting sign-off), Approved / Scheduled (approved and waiting for its funding date), Processing (payment initiated), Paid (completed), and Failed (payment did not go through, with a reason shown). The full timeline is visible on every bill, so a merchant always knows exactly where a payment stands.

No. HitPay BillPay is built for merchants processing anywhere from a handful to hundreds of vendor bills a month, with no cap on the number of bills, vendors, or approvers. Vendors can be added one at a time or bulk-imported from a spreadsheet, and bills can be approved and paid individually or in a single batch action.

Merchants can forward any supplier bill, receipt, or payment demand as a PDF or image - not only formal invoices - to their BillPay bill-forwarding email address, or upload the same file types directly. OCR extracts the vendor, amount, account details, and due date from whatever format the supplier sends, so a merchant doesn't need to standardise documents before capture.

Singapore merchants can pay local suppliers instantly via PayNow or FAST and pay overseas suppliers in the same workflow, funding each bill from the same HitPay account used to accept customer payments. Local transfers cost S$0.50 per payment, with no monthly subscription. This is the only combination in the Singapore market of accepting customer payments and paying suppliers, local and international, on one platform.

Yes. Singapore merchants can pay an overseas supplier - for example, a manufacturer in China - in the supplier's local currency, in the same batch and workflow as a local SGD PayNow payment to a domestic vendor. International payments carry a transparent rate; the current published rate is available at hitpayapp.com/pricing.

In the Philippines, HitPay BillPay funds supplier payments via InstaPay and PESONet, the country's two standard bank-to-bank transfer rails, at launch. Local Philippine transfers cost ₱15 per payment, with no monthly subscription fee. Philippine merchants get the same OCR capture, approval workflow, and payment tracking as Singapore merchants, scoped to local domestic payments at this stage.

Yes, HitPay BillPay launches in the Philippines with local InstaPay and PESONet supplier payments, OCR invoice capture, approval workflows, and Xero sync - the same core workflow available in Singapore. International supplier payments from the Philippines are not part of the initial launch scope; Singapore is the only market with international payment capability at this stage.

HitPay BillPay has no monthly subscription fee - merchants pay per transaction only. Local Singapore transfers via PayNow or FAST cost S$0.50 per payment; local Philippine transfers via InstaPay or PESONet cost ₱15 per payment. International payments from Singapore carry a transparent rate. Full current pricing is published at hitpayapp.com/pricing.

Existing HitPay merchants in Singapore and the Philippines can activate BillPay directly from their existing dashboard under Finances - no new sign-up, no second KYB process, and no additional vendor relationship. New merchants complete standard HitPay onboarding once and gain access to both customer payment tools and BillPay together.

Yes. HitPay BillPay syncs bills to Xero automatically, including splitting a single bill into multiple line items with per-line accounting categories before the sync, so finance teams avoid manual re-entry and double handling. Every payment status updates in both HitPay and Xero, keeping the general ledger current without a separate reconciliation step.