BILL
Financial data APIs
Financial services software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$49 per user per month
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What is BILL
BILL is a cloud-based accounts payable and accounts receivable automation platform for small and midsize businesses and accounting firms. It supports invoice capture and approvals, vendor payments (including ACH and checks), receivables, and cash-flow visibility, with integrations to common accounting systems. The product is primarily used to streamline bill pay, reduce manual data entry, and centralize payment workflows and controls. It also offers APIs and partner capabilities, but its core purpose is operational finance automation rather than standalone financial data access.
End-to-end AP/AR workflows
BILL combines invoice intake, approval routing, payment execution, and reconciliation in one workflow. This reduces reliance on separate tools for document capture, approvals, and payment initiation. It is well-suited to organizations that need repeatable controls around who can approve and pay. The platform also supports receivables workflows alongside payables for teams that manage both.
Multiple payment rails supported
BILL supports common business payment methods such as ACH and check, with options that can include card-based payments depending on configuration and offerings. This helps businesses pay vendors that do not accept a single preferred method. Compared with API-first payment processors, the product emphasizes operational bill-pay execution and vendor management. It is designed for finance teams that want payment capabilities embedded in an AP process rather than building payments from scratch.
Accounting system integrations
BILL integrates with widely used SMB accounting platforms to sync vendors, bills, payments, and general ledger data. This reduces duplicate entry and supports faster month-end close processes. Integration-driven reconciliation is a key value area for accounting firms managing multiple client entities. The product’s workflow orientation differentiates it from pure financial data API providers focused on bank connectivity and data aggregation.
Not a pure API platform
While BILL provides APIs and partner options, the product is primarily a packaged finance operations application. Organizations seeking bank-data aggregation, open-banking connectivity, or developer-first financial data endpoints may find it less aligned than specialized financial data API providers. API coverage and flexibility can be more constrained by the product’s workflow model. This can limit suitability for teams building highly customized embedded finance experiences.
Best fit for SMB workflows
BILL is optimized for small and midsize business AP/AR processes and accounting firm use cases. Larger enterprises with complex global treasury, multi-ERP environments, or highly specialized procurement-to-pay requirements may need additional systems. Some advanced controls and reporting needs may require workarounds or complementary tools. Fit depends on the organization’s scale, entity structure, and compliance requirements.
Costs scale with usage
Pricing typically scales with factors such as users, transaction volumes, payment methods, and add-on modules. As payment volume and the number of entities increase, total cost can rise relative to simpler bill-pay tools. Some organizations also incur indirect costs from change management and process redesign to align with the platform’s workflows. Buyers should validate total cost across subscriptions, payment fees, and any premium capabilities.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Essentials | $49 per user/month | Core AP & AR: CSV import/export, enter bills, automate approval workflows, pay by ACH/virtual card/credit card, centralized inbox, 6 standard user roles, basic integrations. |
| Team | $65 per user/month | Everything in Essentials plus automatic 2-way sync with QuickBooks/Xero, more granular AP & AR controls, custom user roles, automated workflows, connect with +4M vendors. |
| Corporate | $89 per user/month | Everything in Team plus additional customization, unlimited document storage, procurement capabilities, discounts for approver-only users, advanced workflows and controls. |
| Enterprise | Custom pricing | Enhanced security (SSO, dual control), multi-entity/multi-location accounting, API access, priority support, and advanced integrations (NetSuite, Sage Intacct, Microsoft Dynamics, etc.). Contact sales. |
| Spend & Expense | $0 per user/month (free) | Permanently free Spend & Expense product: virtual & physical cards, budgets & controls, expense management, receipt matching, real-time transaction tracking, and access to business credit lines (credit lines $1,000–$5M subject to approval). |
| BILL API (v3) | Free | BILL API platform is free to use (developer docs available); APIs support AP, AR, Spend & Expense functionality. |
Transaction & other fees (selected, per official BILL pricing page):
- ACH / ePayment (payor or receiver): $0.59 per transaction.
- Mailed check (payor): $1.99 (BILL prints & mails).
- Virtual Card (payor): Free.
- International FX Wire or Local Transfer (payor/receiver): Free (exchange rate applies).
- International USD Wire: $19.99 USD.
- Instant Payment: 1.0% (min $9.99, max $100).
- Pay Faster ACH: $11.99 (same-day/next-day scheduling rules apply).
- Pay Faster Check: Overnight $24.99 / Two-day $19.99 / Three-day $14.99.
- Pay by Card (credit/debit): 2.9% (additional fees apply for faster check disbursements).
- Common account/maintenance fees: Void a check $25.00; Failed ACH after receiver paid $50.00; Re-debit after failed funding $25.00; 1099 e-filing to IRS $2.99 per 1099 (discounted rates via Accountant Console).
Seller details
BILL Holdings, Inc.
San Jose, CA, USA
2006
Public
https://www.bill.com/
https://x.com/bill
https://www.linkedin.com/company/bill/
