--- title: How long does it take to complete a Bill Pay request? description: Help Center --- [Skip to content](https://support.aetrust.com/how-long-does-it-take-to-complete-a-bill-pay-request#main-content) English Show submenu for translations [More support](https://support.aetrust.com/kb-tickets/new?hsLang=en) [Customer portal](https://cs.aetrust.com/tickets-view?hsLang=en) [![American Estate & Trust](https://support.aetrust.com/hubfs/Website%20Assets/Logo%20Assets/logo-text.svg)](https://support.aetrust.com/?hsLang=en) Open main navigation Close main navigation - English Show submenu for translations - [More support](https://support.aetrust.com/kb-tickets/new) - [Customer portal](https://cs.aetrust.com/tickets-view) - [Contact us](https://aetrust.com/contact) [Contact us](https://aetrust.com/contact) How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://support.aetrust.com/?hsLang=en) 2. [Investor Portal](https://support.aetrust.com/investor-portal?hsLang=en) 3. [Bill Pay](https://support.aetrust.com/investor-portal?hsLang=en#bill-pay) # How long does it take to complete a Bill Pay request? The processing time for a **Bill Pay request** depends on several factors, including the completeness of the submitted request and the payment method selected. Below is a breakdown of the expected processing timeline. ### **Standard Processing Time** - **New Bill Pay Requests:** **3-5 business days** from the date of submission. - **Payments to Existing Vendors:** Typically processed **within 1-2 business days** after submission. Once the payment is processed, additional time may be required for the funds to be delivered based on the payment method chosen. ### **Delivery Time Based on Payment Method** - **Check Payments:** May take **5-10 business days** for delivery, depending on the mail carrier and destination. - **Wire Transfers:** Usually completed **within 1 business day** once processed. ### **Factors That May Cause Delays** While most Bill Pay requests are completed within the standard timeframe, delays can occur due to the following reasons: - **Incomplete or Incorrect Information** – If the submitted request is missing details (e.g., incorrect vendor information, missing invoice), it will require revisions before processing. - **Past Due Invoices** – AET will not process payments for past-due invoices, which could result in rejection or resubmission. - **Insufficient Funds** – If there are not enough funds in the account at the time of processing, the payment may not be completed. - **High Volume Periods** – Increased request volumes may extend processing times. - **Bank Processing Delays** – Wire transfers and check clearing depend on the receiving financial institution’s processing speed. ### **How to Check the Status of a Bill Pay Request** 1. **Log into your online portal.** 2. Navigate to the **Bill Pay** section. 3. Review the status of your submitted payment request. For urgent payments, consider using a **wire transfer** instead of a check to reduce the overall processing time. If you have any concerns about your Bill Pay request, please contact our support team for assistance.   ### **Client Responsibility Disclaimer** **It is the IRA account holder’s responsibility to check the status of their Bill Pay request to ensure that the payment has been processed.** Once a request is submitted, **AET does not monitor or proactively notify clients if their request is placed on hold** due to missing information, insufficient funds, or other issues. As the account holder, **it is your responsibility to check the status of your request through the online portal** and take any necessary action to ensure timely processing. 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