AP & AR
Bill pay (Bill.com, Melio)
Vendor bills from suppliers across the EU are entered, coded and routed for your approval, then paid on the schedule you set, with intra-EU purchases flagged for reverse-charge VAT treatment and every payment matched back to its bill inside Xero, QuickBooks Online, Sage or SAP Business One.
Aged receivables
Illustrative client · August 2026
EUR
| Customer | Current | 1-30 | 61+ | |
|---|---|---|---|---|
| Customer A | 18,400 | - | - | - |
| Customer B | 9,250 | 4,100 | - | - |
| Customer C | - | 6,780 | 2,200 | - |
| Customer D | 12,600 | - | - | - |
| Customer E | - | - | - | 1,450 |
| Total | 40,250 | 10,880 | 2,200 | 1,450 |
Illustrative. An example of the document, not a client's figures.
Bills from more than one member state
A vendor bill from a domestic supplier and one from a supplier in another EU country are not the same entry. Cross-border business-to-business purchases inside the EU usually carry the reverse charge rather than local VAT charged by the supplier, so the bill needs coding that reflects where the supplier sits and what was bought. We enter and code each bill against your chart of accounts with that distinction applied, then route it for your approval before anything pays.
Approval and payment
Payment runs wait for your release inside the tool you use, whether that is Bill.com, Melio or a European payment platform connected to your accounting software. Nothing pays automatically. Once you release a run, we match the confirmation back to the original bill so the ledger and the bank never drift apart.
Multiple currencies, one due-date list
Suppliers billing in euros sit alongside suppliers billing in Swedish krona or Polish zloty depending on where your business trades. We keep a single running list of what is due, by vendor and by due date, in the currency each bill was issued, so nothing gets missed because it was priced differently from the rest.
Catching problems before they cost money
Duplicate bills and suspicious invoices are flagged before payment, and bills without a supporting purchase order are held for your review rather than pushed through. If your vendor spend runs through three-way match as well, larger purchases get an extra check against what was ordered and received before a bill is approved.
See pricing for plan options or book a call to talk through your vendor volume and countries.
Questions
Frequently asked questions: Bill pay (Bill.com, Melio)
Do you handle reverse-charge VAT on bills from EU suppliers?
We code cross-border EU vendor bills to reflect the reverse charge where it applies, based on the VAT treatment your business or local partner has confirmed for that purchase type.
Can you pay suppliers in different member-state currencies?
Yes, through whichever bill-pay tool you use, connected to Xero, QuickBooks Online, Sage or SAP Business One. Payments release only after you approve them.
What happens if a bill has no purchase order behind it?
It is held on an exceptions list for your review rather than approved automatically, so an unexpected charge does not slip through.
Do you set up approval workflows inside Bill.com or Melio?
Yes, we configure the approval chain to match who signs off spend at your business, then route bills through it before payment rather than paying on entry. The rule is set once with you and applied consistently after that, not re-decided bill by bill.
Can you pay a supplier that only accepts a bank transfer outside Bill.com?
Yes, we log those payments in the same ledger and reconcile them against the bill even when the transfer itself happens outside the bill-pay platform, so the record stays complete regardless of which rail the supplier actually gets paid through.
Do you have authority to move money on your own?
No. Payment runs are queued for your approval inside Bill.com or Melio. Nothing pays until you release it, unless you choose to delegate that step to us in writing.
Can you work with the payment tool we already use?
Yes, if it is Bill.com or Melio. If you use something else we will tell you whether we can support it before you sign up.
What is included in bill pay (Bill.com, Melio)?
Bill pay (Bill.com, Melio) covers vendor bills entered and coded to your chart of accounts and approval routing set up so the right person signs off before anything pays. The exact scope is agreed and set out in writing before work starts, so you know precisely what is and is not covered before the first deliverable arrives.
How is bill pay (Bill.com, Melio) priced?
Pricing for bill pay (Bill.com, Melio) depends on your transaction volume, the software you use, and how much cleanup is needed before ongoing work starts. Current ranges are published on the pricing page, and your exact fee is confirmed in writing before anything begins.
Next step
Talk to the team that would run your books
A short call covers your setup, your software and what a first month would look like. You get a written scope and price after it.