BILL
The intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access credit
Overview
BILL is one of the most established names in this category — a public company with a long track record — and its combination of AP/AR automation plus a genuinely free Spend & Expense product (including the Divvy card and credit lines up to $5M) makes it a strong option for small and midsize businesses that want to consolidate bill pay, invoicing, and card spend without building out a large finance team. Its accounting-firm-facing tools also make it a common choice when your bookkeeper or CPA firm is already using BILL to manage multiple clients.
Where it gets more expensive is the paid AP/AR tiers: Essentials starts at $45/user/month, Team at $55, and Corporate at $79, and several payment methods carry additional per-transaction fees on top of the subscription, so total cost can climb faster than the headline price suggests for teams processing high payment volumes. Compared to Ramp and Brex, BILL leans more toward traditional AP/AR and invoicing workflows for SMBs and accounting firms, while Ramp and Brex lean more toward card-first spend management for growth-stage companies — the right pick depends on which workflow (bill pay vs. card spend) is your bigger pain point.
Key Features
Accounts Payable: automated bill creation, approval routing, and ACH/card/international payments.
Accounts Receivable: invoice creation and automated collections tracking.
Spend & Expense: free expense management with the Divvy corporate card and budget controls.
Business Credit: access to credit lines from $1,000 to $5M for qualifying businesses.
AI-Powered Automation: invoice data extraction and payment approval workflows.
ERP Integrations: native connections to QuickBooks, Sage Intacct, Oracle NetSuite, and Xero.
Pricing
Starting price
From $45/user/mo (Essentials); free Spend & Expense plan available
Spend & Expense: Free — corporate cards, budgets, expense tracking, and access to credit lines.
Essentials: From $45/user/month — core AP/AR automation for small businesses.
Team: From $55/user/month — adds broader bill management and payment workflow automation.
Corporate: From $79/user/month — advanced controls, multi-entity support, and API access.
Enterprise: Custom pricing for large or multi-entity organizations.
Disclaimer: pricing may change, confirm on BILL's own pricing page before buying.
Pros
Established and public: long operating history and Nasdaq-listed stability versus newer fintech entrants.
Free expense tier: Spend & Expense plan with the Divvy card costs $0 per user.
Built-in credit access: business credit lines from $1,000 to $5M without a separate lender.
Deep accounting firm support: widely used by bookkeepers and CPA firms managing multiple clients.
Cons
Per-user pricing scales fast: Corporate tier at $79/user/month gets expensive for larger AP/AR teams.
Extra transaction fees: checks, instant transfers, and international payments carry additional per-transaction costs.
Enterprise pricing is custom: multi-entity and enterprise needs require a sales conversation.
What Makes It Unique
Bill pay heritage: BILL's core strength remains AP/AR and invoicing workflows refined over more than a decade, giving it deeper accounting-firm integration than newer card-first competitors.
Kay Score
7.7
/ 10
Tool Information
Pricing
From $45/user/mo (Essentials); free Spend & Expense plan available
Category
Finance & Accounting
Platform
Web / iOS / Android
Last Updated
