Bill Pay API
Add accounts payable capabilities to your platform with automatic reconciliation, real-time accounting, and flexible payment processing options.
Complete Bill Management, Automated
Full-featured bill dashboard
Embed a complete bill management experience where customers create, review, and pay bills directly in your platform
Automatic reconciliation
Bills, payments, and bank withdrawals are matched automatically without manual intervention
Real-time accounting
Every bill payment updates the double-entry general ledger instantly, keeping books accurate
Native payment processing
Enable ACH, wire transfer, and credit card payments through integrated payment processors
Vendor management
Customers can create and manage vendor records, track payment history, and maintain relationships
Processing fee tracking
Payment fees are automatically captured as expenses and reconciled against bank withdrawals
Batched payment support
Multiple bill payments processed together are properly allocated and matched to a single bank withdrawal
Custom integration option
Already have bill pay? Sync your data to Tight for automatic accounting without changing user flows
Solve Real Problems for Your Customers
Empower your customers to take charge of their finances—with no accounting expertise required.
- Eliminate manual reconciliation
Tight automatically matches bills to bank transactions, even when the transactions aren’t a one-to-one match. If your customer pays four vendors totaling $1,200 plus $8 in processing fees, Tight matches all four bills to the $1,208 bank withdrawal. No spreadsheets, no guesswork, no end-of-month scramble.
Batched payments appear as nested line items under a single withdrawal, giving customers a clear breakdown of exactly where their money went without digging through bank statements.
Every bill payment triggers immediate general ledger updates. Customers see accurate financials at any moment, not just after month-end closes.
Built-in payment processor integrations let customers pay bills without leaving your platform. Support multiple payment methods to match how your customers actually want to pay.
Already built bill management? Use Tight's API to sync your bill and payment data directly, adding automatic reconciliation without disrupting what your customers already know.
Expand Your Platform Without Limits
Move beyond basic bill management and give customers the accounting automation they need.
Boost your revenue
Expand product offerings with bill pay capabilities that increase engagement and create new revenue through payment processing
Sprint to market
Embed the Bill Dashboard with minimal development or sync existing data through straightforward API integration
Clinch your customers
Keep customers on your platform for the entire bill-to-payment workflow, earning loyalty through convenience
Rest secured
Payment processor relationships are owned by you, including economic benefits, with optimal compliance responsibilities
Build on your terms
Choose your own payment processor and negotiate terms directly; white-label the experience to match your brand
A History of Results
With Tight's Expense Tracking API, banking-as-a-service platform Nymbus helps their clients—top-tier banks and credit unions—offer real-time insights and farsighted financial forecasting to SMBs.
Featured Articles
Get an inside look at how an embedded accounting solution can help fintechs, banking platforms, and SaaS providers take their small business customers further.
Frequently Asked Questions
What is a bill pay API?
A bill pay API enables platforms to embed accounts payable functionality into their products. It handles the data flow between bill creation, payment processing, and accounting systems, automating tasks that would otherwise require manual entry and reconciliation.
What is accounts payable automation?
Accounts payable (AP) automation eliminates manual steps in the bill-to-payment process. Instead of manually entering bills, routing approvals, processing payments, and reconciling bank statements, AP automation handles these tasks programmatically. Tight's API automates the accounting side: matching payments to bills, tracking fees, and updating the general ledger.
Can I use my own payment processor?
Yes. Tight's native payment processor integrations let you choose and maintain direct relationships with payment providers. You own the economic benefits and negotiate terms that work for your business.
What payment methods does the bill pay API support?
Through Tight's payment processor integrations, customers can pay bills via ACH transfer, wire transfer, or credit card. The specific methods available depend on your chosen payment processor.
How does automatic reconciliation work?
When customers pay bills through your platform, Tight matches those payments to the corresponding bills and the resulting bank withdrawals. Processing fees are captured as separate expenses. All of this happens automatically as transactions occur.
How does embedded AP automation work?
Embedded AP automation integrates accounts payable functionality directly into your platform via API. Your customers manage bills and payments without leaving your product, while Tight handles the accounting in the background. You can embed the full Bill Dashboard UI or connect your existing bill pay system through a custom integration.
What if I already have bill management in my product?
You can sync your existing bill and payment data to the Tight API through a custom integration. Your users continue with their current workflow while gaining automatic reconciliation and real-time accounting behind the scenes.
Does the bill pay API include accounting functionality?
Yes. Tight maintains a full double-entry general ledger. Every bill payment automatically creates the proper accounting entries, keeping the books accurate in real time without manual journal entries.
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