> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payments & Scheduling

> Fund, schedule, and track vendor payments locally and internationally.

## Funding a bill

HitPay Balance can't be used to fund a Bill Pay transfer. Instead, you fund each transfer directly with **PayNow**, **Bank Transfer**, or **QRPH** (Philippines) - so the transfer to your vendor only happens once the bill is actually funded, not before.
src="/images/finance/bill-pay/make-payment.png"
alt="Make Payment screen with PayNow and Bank Transfer funding options"
/>

## Supported countries & currencies

| Business registration | Where you can pay                                                                                            | Rails                                           | Speed                                                                  |
| --------------------- | ------------------------------------------------------------------------------------------------------------ | ----------------------------------------------- | ---------------------------------------------------------------------- |
| Singapore             | Singapore                                                                                                    | Local Transfer, FAST, PayNow                    | Real-time                                                              |
| Singapore             | 150+ other countries and territories (e.g. Australia, United States, United Kingdom, across Europe and Asia) | Local Transfer where available, otherwise SWIFT | Local: real-time to T+3 depending on country. SWIFT: T+3 business days |
| Philippines           | Philippines only                                                                                             | Local Transfer, InstaPay, PESONet               | Real-time (Local Transfer, InstaPay) or T+2 (PESONet)                  |

Philippines-registered businesses currently have local payments only - international payments aren't available yet for that market.

<Info>
  See the full [Payout Network](/apis/guide/payout-network) reference for the complete list of destination countries, rails, and transfer speeds.
</Info>

## Payment scheduling

When creating a bill, you can set an optional **Schedule Payment For** date instead of paying immediately.

As a MAS-regulated payment institution, HitPay must settle collected funds within a strict window rather than holding them indefinitely. For a scheduled bill, that means funding can only happen within a compliant window ahead of the scheduled date:

* **Local transfers** - can be funded any time from 3 days before the scheduled date through the scheduled date itself
* **Foreign-currency transfers** - can be funded up to 24 hours before the scheduled date, with the FX rate locked for that 24-hour period

Outside that window, the **Fund Transfer** button is disabled and shows when funding will open. Once you fund the bill within the window, it moves to **Scheduled** and pays automatically on the date you chose - no need to remember or come back to trigger it.

## If a bill isn't funded or paid in time

As a MAS-regulated payment institution, HitPay must settle collected funds within 3 days. That means **approval must be completed within 3 days of the bill's funds being collected** - if it stalls past that deadline, HitPay automatically returns those funds to your HitPay Balance and marks the bill **Expired**, no manual refund request needed.

You'll get a warning email one day before the deadline if a bill is still waiting on approval, and a follow-up notification once funds are returned. An expired bill can be reprocessed at any time - just create a new bill or resubmit.

For what each status means, see [Bill statuses](/finance/bill-pay/overview#bill-statuses).