# Advanced security for your financial operations Reduce risk, combat fraud, and keep your data secure with BILL. ## Designed with your privacy and security in mind ### Multi-layered security Multiple layers of powerful technology are integrated into the platform to combat payment fraud, network security breaches, and unauthorized account access, so we can protect sensitive customer data. ### AICPA SOC 2 compliance BILL adheres to the SOC 1 and SOC 2 compliance standards of the American Institute of CPAs (AICPA), undergoing an annual SOC 1 and SOC 2 Type II Audit for BILL Accounts Payable, BILL Accounts Receivable, and BILL Spend & Expense. ## Protections for BILL Accounts Payable and BILL Accounts Receivable ### Reduce your payment risk ### **Pay and get paid through our digital network** Keep bank account information private by making digital payments through a secure network of more than 8 million on BILL. ### **Enjoy enhanced security for check payments** BILL sends checks through a clearing account, so your own account remains hidden, and applies the kind of advanced payment protections that most banks charge for, like Positive Pay. ### **No third-party issuers** Unlike other AP platforms that use third-party services to issue payments, BILL Accounts Payable and Accounts Receivable keeps your payment processing in-house. That lets you mask your banking information while giving you more control over your payments and better visibility into their status. ### **HIPAA compliance** For healthcare organizations that need to maintain compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), BILL Accounts Payable and BILL Accounts Receivable provide safeguards for electronic protected health information (ePHI). ### **Secure data centers** Secure data center facilities with full redundancy in more than one physical location provide back-up protection against malicious attacks. ### **Advanced protection against data breaches** BILL Accounts Payable and BILL Accounts Receivable ensures customer data is protected at rest with encryption, while Transport Layer Security (TLS) provides bank-level protection during transfer. ## How we keep BILL Spend & Expense secure ### Designed with your privacy and security in mind ### **Multi-factor authentication** For company administrators with access to sensitive company information and controls, we require multi-factor authentication (MFA). ### **PCI compliance** BILL Spend & Expense is PCI compliant. That means we meet the Payment Card Industry Data Security Standard (PCI DSS) for organizations that handle branded credit cards. ### **Face and touch logins** The BILL Spend & Expense mobile app uses the latest security features, including Android fingerprint scanning and Apple Touch or Face ID. ### **Fraud protection** BILL Spend & Expense uses an advanced third-party platform that monitors all transactions in real-time and helps to prevents complex fraud incidents with speed and accuracy to protect your business. ### **Secure data centers** BILL's production environment is located in Amazon Web Services (AWS) across 3 physically separate availability zones in the US-West-2 region, protecting services from loss of connectivity, power issues or other location specific outages. Full data backups are being saved continuously to the US-East-2 environment. ## Need more details? [Download Security Spec Sheet](https://cdn.prod.website-files.com/63e3da3df35cd62f54751985/6718212fbe70478998b65f90_Security%20Features%20and%20Capabilities%20doc.pdf) ## What our customers are saying “We pay over 1,000 contractors from a single platform—on time, every month—keeping our banking information encrypted while syncing those payments with our accounting software, QuickBooks Online. We couldn't do that without BILL.” — Elizabeth Reid, Corporate Compliance Accountant, BELAY ## Frequently asked questions ### How does BILL protect against unauthorized access to my account? BILL Accounts Payable and BILL Accounts Receivable helps protect against unauthorized access to your account by: - Enforcing a strong password policy. - Applying 2-Factor Authentication. - Sending login data over a secure channel. - Automatically logging out customers after a period of inactivity. - Educating our customers on the risks of business email compromise schemes. - Enforcing separation of duties with role-based access that lets you control who can enter, approve, and pay bills. - Automatically keeping a record of all AP activity with a timestamped audit trail that cannot be altered, including original bills, review notes, approvals, payments, and remittance details for each transaction. You can easily access that documentation for internal, vendor, and auditor inquiries. ### What physical protections are in place through BILL? - BILL Accounts Payable and BILL Accounts Receivable servers and network infrastructure are hosted at secure data center facilities managed by leading certified data center providers. - BILL Spend & Expense is hosted in Amazon Web Services (AWS) and is therefore protected by the same high level of logical and physical security controls that AWS has for all clients. - All our employees undergo background checks and data security and privacy training. - We have a formal vendor management program to manage third-party risks. ### What compliance protections are in place through BILL? - BILL undergoes an annual SOC 1 and SOC 2 Type II Audit by a leading national CPA Firm. - BILL Spend and Expense maintains PCI level 1 compliance by undergoing an annual audit by an independent Qualified Security Assessor (QSA). - BILL Accounts Payable and BILL Accounts Receivable achieved PCI Level 1 Compliance for virtual card and Pay by Card offerings. - We have adopted an Anti-Money Laundering (AML)/Office of Foreign Assets Control (OFAC) Program, which is designed to help prevent the BILL Service from being used for purposes of money laundering, terrorist financing, violating or subverting OFAC sanctions, or for other illegal purposes. ### What payment protections are in place through BILL Accounts Payable and BILL Accounts Receivable? - Reduce risks from check theft by paying vendors with digital payments or checks that are sent by BILL on your behalf, rather than keeping blank check stock on your premises and exposing your bank information on checks you send. - BILL applies Positive Pay to reduce the risk of check fraud; the bank matches the check issued with the check presented for payment. - Keep your bank account information private from vendors by making digital payments through the BILL account. ### What network protections are in place through BILL? BILL uses security software, intrusion detection and prevention appliances, and network monitoring technology to detect and prevent unauthorized electronic access to our servers. ### What data protections are in place through BILL? - BILL applies an additional level of encryption to protect access to sensitive customer data from malicious applications. - We use Transport Layer Security (TLS) and industry-standard cipher suites to protect customer data during transit over the internet. - BILL Accounts Payable and BILL Accounts Receivable replicates production data from the primary site to the co-location facility for disaster recovery scenarios. ### What are some best practices for administrators and employees to secure transactions? - Do not share passwords, PIN, security tokens or any other account credentials. - Always use strong and unique passwords. - Review account transactions daily and reconcile frequently. - Avoid using public computers to access your account. - Practice security principles of least privilege and separation of duties. - Building a security culture where everyone understands their part in keeping an organization secure goes a long way. - Set up Multi-Factor Authentication to help further protect your account. ### What are the best practices for administrators? - Install reputable anti-virus and anti-malware software and update it frequently. - Keep operating systems, browser, and email patches up to date. - Use reputable network and desktop firewall solutions. - Require and monitor that users sign off their computer or employ a lock screen when not in use. ## Responsible Disclosure Program We take security seriously at BILL and are deeply appreciative of the role that security researchers play in improving the security posture of our product and platform. We partner with HackerOne to facilitate responsible disclosure of any security issues impacting BILL services. If you believe you have discovered a security vulnerability that you would like to report, please [submit it to our Vulnerability Disclosure Program here](https://hackerone.com/bill_vdp). ### Report suspicious activity Notice something fishy with your BILL account, or believe your information has been compromised? [Let Us Know](https://help.bill.com/direct/s/suspicious-activity) ### Report phishing scams Receive a suspicious email from someone claiming to represent BILL? **_Don't reply to it_** **_Don't click on any links_** **_Don't open any attachments_** Forward the email immediately to: [phishreport@hq.bill.com](mailto:phishreport@hq.bill.com) ## See where financial automation can take your business Join the millions who pay or get paid with BILL.