Your AP process is email chains, manual entry, and late payments. Replace it.

Q: "What is Budgetly Bill Payments?"

"Bill Payments is Budgetly's accounts payable automation. It handles the full invoice lifecycle: capture (drag and drop or email forward), AI data extraction, approval routing, payment (BPay, PayID, bank transfer), and Xero sync. It works alongside Budgetly's [corporate cards](/product/corporate-cards/) so card spend and bill payments are managed in one platform."

Q: "How does AI bill capture work?"

"Drop an invoice onto the Budgetly dashboard or forward it to [Buddy AI](/product/buddy-ai-assistant/) by email. Your personal assistant reads the document and extracts the supplier name, amount, due date, line items, and GST. It maps the bill to your Chart of Accounts and flags anything unusual. No manual data entry required."

Q: "What payment methods does Budgetly support for bills?"

"Budgetly supports four payment methods for bills: BPay, PayID (email, mobile, ABN, and Organisation ID), AUD bank transfer, and your Budgetly Visa card. Choose the method that suits each supplier. Payment is executed from within Budgetly with one click."

Q: "How do approval workflows work for bills?"

"Set rules for who can approve bills based on amount, budget, or department. When a bill is captured, it routes to the right approver automatically. No email chains, no spreadsheet sign-offs. Approvers can review and approve from the dashboard or mobile app."

Q: "Does Budgetly detect invoice fraud?"

"Yes. Budgetly flags new suppliers and changed payment details automatically. This helps catch fraudulent invoices before payment is made. Combined with approval workflows, your finance team has multiple layers of protection."

Q: "How does Bill Payments sync with Xero?"

"Paid bills sync to [Xero](/product/xero-integration/) with the supplier mapped as a Contact, the category mapped to your Chart of Accounts, GST applied, and the invoice attached. Your bookkeeper sees a complete, coded record. No manual reconciliation."

Q: "Can I manage cards and bills in the same platform?"

"Yes. That's the point. Budgetly handles [corporate card](/product/corporate-cards/) transactions and bill payments in one system. Both follow the same budget rules, sync to Xero together, and appear in the same reporting. One view of all company spending."

Q: "How much does Bill Payments cost?"

"Bill Payments is available on Budgetly's Essentials and Premium plans. [See pricing](/pricing/) for details. No per-bill fees, no hidden charges."

Q: "How do I get started?"

"Sign up, connect Xero, and start forwarding bills. Our onboarding team provides free, unlimited training. [Start a free trial](/sign-up/) or [book a demo](/demo/schedule/) to see bill payments in action."

Invoices arrive by email. Someone re-keys the details into a spreadsheet. Someone else approves over email. Payment is manual. Reconciliation happens weeks later. Every step is a delay, an error risk, and a cost.

Automate your next bill run ➜

Your AP process is email chains, manual entry, and late payments. Replace it.

Australia's favourite.

Trusted by organisations managing distributed teams and multiple budgets.

Manual bill processing costs $27 per invoice. Budgetly cuts that to near zero.

Every invoice your finance team processes manually burns time on data entry, approval chasing, payment execution, and reconciliation. Budgetly automates the entire lifecycle. Drop a bill onto the dashboard or forward it to Buddy AI by email. Your personal assistant extracts the supplier, amount, due date, and GST. Approval workflows route it to the right person. Payment goes out in one click. The transaction arrives in Xero coded, categorised, and ready.

What changes when bill payments are automated

Every manual invoice is a compliance risk, a delayed payment, and wasted finance hours.

Cost per bill 90% Reduction in processing cost per invoice.

Data entry Zero AI extracts supplier, amount, due date, and GST automatically.

Payment methods 4 BPay, PayID, AUD bank transfer, and Visa card (powered by Budgetly).

Approval time Minutes Automated routing replaces email chains and spreadsheet sign-offs.

Xero sync Auto Bills synced to Xero coded, categorised, and receipt-attached.

Fraud detection Built in New suppliers and changed payment details flagged automatically.

Forward a bill to Buddy AI. It handles the rest.

Drop an invoice onto the Budgetly dashboard, or forward it to Buddy AI by email. Your personal assistant extracts the supplier name, amount, due date, line items, and GST. No manual data entry. No re-keying from a PDF into a spreadsheet.

“I can forward 20 bills from my email and it auto extracts and pays them.” — Kevin K, Director, KVK Media

See Buddy AI ➜

Forward a bill to Buddy AI. It handles the rest.

Every bill is evaluated before money moves.

Budget, approval workflow, spend limits, supplier verification. Conditions are checked before any payment is authorised. If the budget is exhausted or the supplier is new, the system flags it. Your finance team defines the rules once. Every bill that follows is evaluated against them automatically. No email chains. No spreadsheet approvals. The decision happens inside the system.

See real-time spend control ➜

Every bill is evaluated before money moves.

Four ways to pay. One click each.

Once approved, choose how to pay: BPay, PayID (email, mobile, ABN, or Organisation ID), AUD bank transfer, or your Budgetly Visa card. Payment executes from within Budgetly. No logging into your bank. No re-entering details.

Start free trial ➜

Every bill lands in Xero coded. AI gets sharper every time.

The transaction syncs to Xero with the supplier mapped as a Contact, the category mapped to your Chart of Accounts, GST applied, and the invoice attached. No reconciliation needed. Bookkeeper AI learns from every bill, refining categories and flagging anomalies. Each payment strengthens the next decision.

See Xero integration ➜

Every bill lands in Xero coded. AI gets sharper every time.

Budgetly saves me 2 hours a day in accounting time. I used to have to reconcile and enter transactions. It works seamlessly with Xero and if there ever is an issue I can count on the team to help me out.

Verified by Capterra

We've been able to streamline 3 processes into 1 with Budgetly and I'd recommend this for anyone using Xero accounting as the integration has been very easy and stress-free.

Verified by Capterra

I've saved at least 2 hours a day in admin work. We've minimised human error with our staff now being accountable for uploading their own receipts. Bill Payments has also brought everything into one spot and with the Xero integration, everything is so much easier now.

Verified by Capterra

Instead of the finance team manually chasing receipts and processing reimbursements, staff enter details and upload receipts directly into the Budgetly app which are synced across to Xero. Such a time saver.

Verified by Capterra

Using Budgetly has made reconciliation and budget management a breeze for our team spread across Australia. No chasing receipts, no time wasted on manually matching transactions, and easy to adjust budgets. All integrated with Xero.

Verified by Capterra

I don't have to chase receipts anymore. I can issue cards in about 10 seconds. I can forward 20 bills from my email and it auto extracts and pays them.

Verified by Capterra

We've definitely saved a lot of money. 50 hours saved across the month in bookkeeping fees is massive. So much easier to sync straight into Xero.

Verified by Capterra

Budgetly saves us time and money from the very beginning. It has replaced trying to retrieve receipts and manual coding to Xero. Receipts, GST amounts and tracking are all recorded immediately.

Verified by Capterra

We run multiple budgets across several properties, and the system handles it seamlessly. Budgetly has cut our workload by at least 15 hours each week.

Verified by Capterra

Awards and recognition

Software Advice Best Customer Support 2026

Software Advice Best Customer Support 2025

Most companies still manage spending the hard way.

Finance teams are expected to control spending, but the tools they use were never built for it. Staff share corporate cards, receipts arrive weeks late, reimbursements are manual, budgets live in spreadsheets, and bookkeepers reconstruct reality after transactions occur.

Modern companies manage spending before it happens.

Instead of reacting to expenses after the fact, finance teams now control spending at the moment it occurs. Budgetly enables this shift. Spending rules, budgets, cards, and expense capture operate inside a single platform, giving finance teams live visibility and control.

Set budgets

Issue cards

Capture

Classify

Sync

Frequently asked questions

What is Budgetly Bill Payments?

Bill Payments is Budgetly’s accounts payable automation. It handles the full invoice lifecycle: capture (drag and drop or email forward), AI data extraction, approval routing, payment (BPay, PayID, bank transfer), and Xero sync. It works alongside Budgetly’s corporate cards so card spend and bill payments are managed in one platform.

How does AI bill capture work?

Drop an invoice onto the Budgetly dashboard or forward it to Buddy AI by email. Your personal assistant reads the document and extracts the supplier name, amount, due date, line items, and GST. It maps the bill to your Chart of Accounts and flags anything unusual. No manual data entry required.

What payment methods does Budgetly support for bills?

Budgetly supports four payment methods for bills: BPay, PayID (email, mobile, ABN, and Organisation ID), AUD bank transfer, and your Budgetly Visa card. Choose the method that suits each supplier. Payment is executed from within Budgetly with one click.

How do approval workflows work for bills?

Set rules for who can approve bills based on amount, budget, or department. When a bill is captured, it routes to the right approver automatically. No email chains, no spreadsheet sign-offs. Approvers can review and approve from the dashboard or mobile app.

Does Budgetly detect invoice fraud?

Yes. Budgetly flags new suppliers and changed payment details automatically. This helps catch fraudulent invoices before payment is made. Combined with approval workflows, your finance team has multiple layers of protection.

How does Bill Payments sync with Xero?

Paid bills sync to Xero with the supplier mapped as a Contact, the category mapped to your Chart of Accounts, GST applied, and the invoice attached. Your bookkeeper sees a complete, coded record. No manual reconciliation.

Can I manage cards and bills in the same platform?

Yes. That’s the point. Budgetly handles corporate card transactions and bill payments in one system. Both follow the same budget rules, sync to Xero together, and appear in the same reporting. One view of all company spending.

How much does Bill Payments cost?

Bill Payments is available on Budgetly’s Essentials and Premium plans. See pricing for details. No per-bill fees, no hidden charges.

How do I get started?

Sign up, connect Xero, and start forwarding bills. Our onboarding team provides free, unlimited training. Start a free trial or book a demo to see bill payments in action.