Overview

Bill Pay is Reap's solution for sending local and cross-border payments. From the Payments page under your Bill Pay balance, you can manage your Bill Pay balance, create payments, and track their status all in one place.

Bill Pay lets you send local and cross-border payments directly from your Reap dashboard. Before your first payment goes through, there are a few things to set up.

Before you start

You will need:

• Admin access to your Reap account
• USDC or USDT in a crypto wallet ready to deposit, or an active Card with available credit
• The recipient's bank details ready

Step 1: Fund your Bill Pay balance

Before sending a payment using stablecoins, you need to add funds to your Bill Pay balance. Check your current balance at the top of the Bill Pay page - it shows your total funds, payment amount awaiting funds, and available balance in USDC and USDT.

There are two ways to fund your Bill Pay balance:

Option A: Deposit from an external wallet

Use this option when you need to fund a large payment that exceeds your current Bill Pay balance.

1. Log in to your Reap dashboard at https://dashboard.reap.global/login.
2. On the left sidebar, go to Bill Pay, then click Payments.
3. Under Balances, click Add Funds.
   

4. Add funds to Pay page appears. Under Network, select the blockchain network you want to send from:

   • Ethereum (ERC-20)
   • TRON (TRC20)
   • Polygon PoS (ERC-20)
   • Solana (SPL)

   

5. Read the important notes carefully:
   • Minimum transfer amount is 2 USDC/T. Any transfer below this amount will not be attributed and is non-refundable.
   • Only send native USDC or USDT. Sending any other asset may result in loss of funds.
6. A dedicated wallet address and QR code appear for the selected network. Send your stablecoins to this address.
   • The current exchange rate is shown. Rates involving USDT are indicative - the live rate at the time your funds settle a payment is the rate that applies.
   • Make sure to send using the same network you selected. Sending on the wrong network may result in permanent loss of funds.

7. Tick the checkbox: I understand Reap's minimum transfer amount and supported assets.

   

8. Click I have transferred.

Your Bill Pay balance will update once the transaction is confirmed on-chain.

Option B: Move funds via Treasury

Use this option when you want more control over your Bill Pay balance by keeping funds in General Treasury and moving them as needed.

If you already have stablecoins in another Reap balance - such as your Card collateral or General balance - you can move them to your Bill Pay balance internally via the Treasury page. No external wallet needed.

1. Log in to your Reap dashboard at https://dashboard.reap.global/login.
2. On the left sidebar, click Treasury. You will see your balances across Card collateral, Bill Pay, and General.

3. Click Move Funds in the top right corner.

   

   • Select the balance to move funds from - either Bill Pay or General balance - and click Continue.

   

   • Select where to move your funds - either Card collateral or General balance - and click Continue.

4. The Move funds screen appears. Enter the Amount to transfer and select your stablecoin (USDC or USDT).

   

5. Review the warning: transferring assets to your Card collateral is not reversible.
6. Click Move funds to confirm.

The transfer is processed immediately and your balances update to reflect the new amounts.

Step 2: Add a recipient

You need to have a recipient set up before you can send a payment. A recipient is the bank account or entity you are paying.

To add a recipient:

1. Log in to your Reap dashboard at https://dashboard.reap.global/login.
2. On the left sidebar, go to Bill Pay.
3. Click Recipients.
4. Click +New Recipient and fill in the required bank details.

The fields required depend on the destination country and payment rail. Have the recipient's bank account number, SWIFT/BIC code, and any local payment details ready before you start.

Step 3: Send a payment

Once your funding is ready and your recipient is added, you can send your first payment.

A few things to know before you send:

• Bill Pay are available in 18+ currencies across multiple corridors. See What locations does Bill Pay support? for the current list.
• Available payment rails - such as SWIFT, SEPA, FPS, CHATS, or FAST - depend on the recipient's country and currency. These appear as options during payment creation.
• If your account has approval policies, Bill Pay that meet the policy threshold require approval before processing. See How do I set up approval workflows for my team?.

Step 4: Set up your team (if needed)

If other team members need access to Bill Pay, you can invite them and configure their permissions:

• Invite team members: See Managing Your Team
• Set up approval workflows: See How do I set up approval workflows for my team? to require sign-off on payments above a threshold.

Frequently Asked Questions

Do I need a Reap Card to use Bill Pay?

No. You can fund Bill Pay using your stablecoin balance without a Reap Card. However, if you have an active Reap Card, you can also use it as a funding method when creating a payment.

What currencies can I send with Bill Pay?

Bill Pay supports payments in 18+ currencies. The currencies available depend on your account setup and the destination country. See What locations does Reap Pay support? for the full list.

Do I need to add a recipient before sending a payment?

Yes. You need to have a recipient saved in your account before creating a payment. You can add recipients from the Recipients section under Reap Pay.

What happens if my payment requires approval?

If your account has an approval policy that applies to the payment amount, the payment will be submitted for review and will not be processed until an approver acts on it. The approver will receive an email notification immediately.

How long does a payment take to arrive?

This depends on the payment rail and destination. See How long does a payment take to arrive? for a full breakdown by corridor.

My payment failed. What should I do?

See Why did my payment fail? for the most common failure reasons and what to do next.

Contact our Support Team

If you have questions or need assistance, contact our support team via the Live Chat in the Reap Dashboard (bottom right corner) or email us at hello@reap.global

For more information, visit Know who to talk to at Reap.