SystemsVendor profile

BILL

Cloud accounts payable, accounts receivable and card-based spend software sold per user on published plans, with a fee schedule for each payment type. Aimed at small and midsize businesses and the accounting firms that run bill pay for them, syncing to QuickBooks, Xero and, on the Enterprise plan, mid-market ERPs.

59 facts on record4 sourcesverified September 20263 modules

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01Profile

Categories
AP automation, AR & collections, Spend managementverified 2026-09-07Suggest a correction
Company size fit
1–1,000 employeesverified 2026-09-07Suggest a correction
Cost band
Entryverified 2026-09-07Suggest a correction
Deployment
Cloudverified 2026-09-07Suggest a correction
Headquarters
San Jose, California, United Statesverified 2026-09-07Suggest a correction
Regions served
North America, EMEAverified 2026-09-07Suggest a correction
Founded
2006verified 2026-09-07Suggest a correction
Owner
BILL Holdings, Inc.verified 2026-09-07Suggest a correction
Website
bill.comverified 2026-09-07Suggest a correction
Customers claimed
500,000 (vendor figure, as of 2026-09-07)[1]verified 2026-09-07Suggest a correction

02Pricing and editions

Pricing model
Per userverified 2026-09-07
Published list price
$49 per user per month, Essentials plan; transaction fees extra, as published 2026-09-07[3]verified 2026-09-07
EditionStated size fitNote
Essentials1–50 employees$49 per user per month. AP or AR, standard approval policies, six standard user roles, accounting integration by CSV import and export only. The vendor prices by user, not by employee count; the employee band is Stackmark's approximation.[3]
Team5–200 employees$65 per user per month. Adds automatic two-way sync with QuickBooks Online, Pro, Premier and Xero, custom approval policies and custom user roles. Employee band is Stackmark's approximation of a per-user plan.[3]
Corporate20–500 employees$89 per user per month. AP, AR and Procurement together, discounted approver-only users, unlimited purchase requesters. Employee band is Stackmark's approximation of a per-user plan.[3]
Enterprise100–5,000 employeesCustom pricing. Adds two-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct and Microsoft Dynamics, purchase-order sync with two- and three-way matching, single sign-on, dual control, multi-entity accounting, API access and priority support. Employee band is Stackmark's approximation.[3]

03Functional depth

How deeply each module is covered, as recorded against the sources below. Core and moderate are native; partner means a certified add-on carries it; none is a recorded absence.

Coverage Map · ERP and finance systems · 2026-Q3COVERAGE MAP · ERP AND FINANCE SYSTEMS · 2026-Q3AI featuresAsset managementBusiness intelligenceCRMEcommerceField serviceFinancial managementHR and payrollInventory managementLocalizationsManufacturing managementProcurementProject managementQuality managementSupply chain managementWarehouse managementBILL 1BILL · AI features: Core. Core — native, documented as a primary module. Footnote 1.BILL · Asset management: None. None — the vendor does not offer it. Footnote 1.BILL · Business intelligence: None. None — the vendor does not offer it. Footnote 1.BILL · CRM: None. None — the vendor does not offer it. Footnote 1.BILL · Ecommerce: None. None — the vendor does not offer it. Footnote 1.BILL · Field service: None. None — the vendor does not offer it. Footnote 1.BILL · Financial management: Moderate. Moderate — native, documented as secondary or lighter scope. Footnote 1.BILL · HR and payroll: None. None — the vendor does not offer it. Footnote 1.BILL · Inventory management: None. None — the vendor does not offer it. Footnote 1.BILL · Localizations: None. None — the vendor does not offer it. Footnote 1.BILL · Manufacturing management: None. None — the vendor does not offer it. Footnote 1.BILL · Procurement: Moderate. Moderate — native, documented as secondary or lighter scope. Footnote 1.BILL · Project management: None. None — the vendor does not offer it. Footnote 1.BILL · Quality management: None. None — the vendor does not offer it. Footnote 1.BILL · Supply chain management: None. None — the vendor does not offer it. Footnote 1.BILL · Warehouse management: None. None — the vendor does not offer it. Footnote 1.CoreModeratePartnerNoneUnverifiedRows alphabetical · no totals · reuse with attribution, uncropped

Coverage Map · ERP and finance systems · 2026-Q3

  1. 1BILL — depth stated from 4 sources, verified 2026-09-07

04Vertical focus

Industries the vendor names in its own positioning. Absence from this list is not a statement that the system is unsuitable, only that the vendor does not lead with it.

  • Professional services
  • Nonprofit
  • Food & beverage

05Strengths and watch-outs

Strengths

  • Plan prices are published: $49, $65 and $89 per user per month for Essentials, Team and Corporate, with an itemised fee table for each payment type.[3]
  • Accounts payable and receivable sit in one subscription; the AR side covers invoice creation, recurring invoices, payment reminders and collection by ACH or card.[3]
  • Spend & Expense (physical and virtual cards, budgets, receipt capture, reimbursements) carries no subscription or per-user software fee; only card and payment fees apply.[3]
  • Vendors can be paid by ACH, check, virtual card, credit card or international wire, and the vendor documents payments to more than 130 countries.[2]
  • Two-way accounting sync covers QuickBooks and Xero on Team and above, and Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica and Rillet on Enterprise.[3]
  • A Multi-Entity option lets one team review, approve and pay bills across several entities and locations from a single inbox.[2]

Watch-outs

  • Automatic sync with NetSuite, Sage Intacct, Microsoft Dynamics and Acumatica is an Enterprise-plan feature on custom pricing; Essentials integrates only by CSV import and export.[3]
  • Per-transaction fees apply on every plan: $0.59 per ACH, $1.99 per mailed check, 2.9% for card-funded payments and $19.99 for an international USD wire.[3]
  • Procurement (purchase requests, purchase orders, tolerance rules, two-way matching) is an add-on below Corporate; PO sync with three-way matching is listed only for Enterprise and varies by accounting software.[3]
  • Wikipedia describes the company as serving small businesses in the United States; the pricing page's separate Canada and UK fee tables are the only non-US coverage the sources document.[4]
  • Credit lines and the BILL Divvy Card are extended by bank partners and are not guaranteed; the vendor states it is a financial technology company, not a bank.[1]
  • From late 2025 the parent, BILL Holdings, was reported to be exploring a sale under activist-investor pressure, with a buyout in talks as of February 2026.[4]

06Consider when

  • Consider BILL when a small or midsize business on QuickBooks or Xero wants AP and AR automation at a published per-user price and can accept per-payment fees.[3]

  • Consider BILL when an accounting firm wants to run bill pay for many client entities from one console, priced by client entity rather than by firm staff.[3]

07Evaluated alongside

Systems with a comparable size fit and cost band, which is why they appear on the same shortlists. Each link opens a head-to-head built from both records. They are the pairings a buyer is likely to shortlist, not a limit on what can be compared: any two systems in the dataset can be laid side by side, including combinations we never pair.

Those are the systems commonly evaluated alongside BILL, not a limit on what can be compared. Choose any system to compare with BILL.

08Module notes

One note per module the system offers: the recorded depth, what to ask in a demonstration, and which other tracked systems carry the module natively.

09Questions buyers ask

How is BILL deployed?
As cloud software with web and mobile apps; the vendor describes it as cloud-based financial operations software, and approvals can be made from the iPhone or Android app.[4]
What does BILL cost?
AP and AR plans are $49 (Essentials), $65 (Team) and $89 (Corporate) per user per month, with Enterprise on custom pricing. Spend & Expense has no software fee. Payment fees are charged per transaction on every plan.[3]
Which accounting systems does BILL sync with?
QuickBooks Online, Pro and Premier and Xero on Team and above; QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica and Rillet on Enterprise. Any other ERP works through CSV import and export.[3]
What size of business is BILL for?
The vendor's demo form targets small or midsize businesses and accounting firms, and Wikipedia describes the company as serving small businesses. Multi-entity and enterprise needs are handled by the custom-priced Enterprise plan.[2]
Does BILL handle purchase orders and matching?
Yes, via a Procurement option: purchase requests, purchase orders, tolerance rules and two-way matching, included on Corporate and an add-on below it. Three-way matching against POs and receipts is documented on the AP page and on Enterprise.[3]
Can BILL pay international vendors?
Yes. International FX wires and local transfers are free with an exchange rate applied; international USD wires cost $19.99. The vendor states it pays vendors in more than 130 countries.[3]
Who owns BILL?
BILL Holdings, Inc., a public company listed on the NYSE, founded in 2006 as Cashboard and headquartered in San Jose, California. It acquired Divvy (spend) and Invoice2go (AR) in 2021.[4]

10Sources

Every fact in this profile was taken from the pages below, on the date shown. Footnote markers on the page point here. The positioning statement is Stackmark’s own.

  1. [1]BILL | Financial Operations Platform for Businesses & Firmshttps://www.bill.com/ · retrieved 2026-09-07
  2. [2]Accounts Payable Softwarehttps://www.bill.com/product/accounts-payable · retrieved 2026-09-07
  3. [3]Pricing & Plans | BILLhttps://www.bill.com/pricing · retrieved 2026-09-07
  4. [4]Bill.com - Wikipediahttps://en.wikipedia.org/wiki/Bill.com · retrieved 2026-09-07