🎯 What is BILL?
BILL (formerly Bill.com) is a cloud-based financial operations platform designed to automate accounts payable (AP) and accounts receivable (AR) for small and mid-sized businesses. It eliminates manual invoice processing, paper checks, and spreadsheet tracking.
The platform digitizes the entire payment cycle: capture invoices automatically via email, route them for approval, schedule payments, and sync everything with your accounting software. For AR, it automates invoicing and speeds up collections.
BILL also offers Spend & Expense (formerly Divvy) — a free expense management tool with corporate cards and credit lines up to $5M.
🏆 Key Facts
500K+ businesses • $1T+ processed • NYSE listed (BILL) • Integrates with QuickBooks, Xero, NetSuite, Sage • ACH, check, credit card, international wire payments • SOC 1 & SOC 2 compliant
💰 Pricing Plans
BILL offers tiered pricing based on features and team size:
Essentials
$45/mo
per user
- Unified invoice inbox
- Auto data capture
- Unlimited storage
- Standard approvals
- ACH & check payments
Team
$55/mo
per user
- Everything in Essentials
- 2-way accounting sync
- Custom user roles
- QuickBooks/Xero integration
- Advanced approvals
Corporate
$79/mo
per user
- Everything in Team
- Procurement tools
- PO matching
- NetSuite/Sage integration
- Multi-entity support
Enterprise
Custom
contact sales
- Everything in Corporate
- Enhanced security
- Premium support
- Multi-location accounting
- Dedicated success manager
🆓 Free Options
Spend & Expense: Free forever. Corporate cards, expense tracking, credit lines up to $5M. AP/AR Partner Plan: $49/month for accountants managing multiple clients with wholesale pricing.
💵 Transaction Fees
Beyond subscription costs, BILL charges per-transaction fees:
| Payment Type |
Fee |
Notes |
| ACH Payment |
$0.59 |
Standard bank transfer |
| Check Payment |
$1.69 |
BILL prints and mails |
| Instant Transfer |
1.0% |
$1.00 minimum |
| Credit Card to Vendor |
2.9% |
Pay vendors via card |
| International Wire |
Varies |
FX rates apply |
| ePayment (vendor receives) |
Free |
Vendor accepts electronically |
🔗 Integrations
BILL integrates with major accounting and business tools:
QuickBooks Online
QuickBooks Desktop
Xero
Oracle NetSuite
Sage Intacct
Microsoft Dynamics
Salesforce
Slack
Tallie
Earth Class Mail
2-way sync available on Team plan and above. Enterprise plan supports custom API integrations.
🏆 Final Verdict
✓ Best for Growing SMBs with High Invoice Volume
BILL is a robust AP automation platform that genuinely saves time — users report cutting invoice processing time by 50%. The accounting integrations are best-in-class, and the approval workflows are highly customizable.
Best for: Small to mid-sized businesses processing 50+ invoices/month, companies using QuickBooks/Xero/NetSuite, accounting firms managing multiple clients, and businesses needing audit-ready payment trails.
Consider alternatives if: You process few invoices (may not justify cost), need strong AR-focused features, or want a free AP solution. Look at Melio (free AP) or QuickBooks Payments for simpler needs.
4.2/5
Strong choice for AP automation. Factor in both subscription AND transaction fees to calculate true cost. The time savings often justify the investment for high-volume businesses.