BILL AP/AR
Payment processing software
Accounts receivable software
Accounts payable automation software
Billing software
Cash flow management software
Enterprise payment software
Invoice management software
Contractor payment software
Payment software
Accounting & finance software
Auto glass quote software
Auto mechanic software
Automotive invoice software
Bill printing software
Expense billing software
Garage invoicing software
Garage systems software
Garage workshop software
HOA software
Photo studio software
Receipt design software
Receipt generating software
Reception management software
Recurring billing software
Salon billing software
AI accounting agents
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$49 per user per month
Free Trial
Free version unavailable
Small
Medium
Large
- Agriculture, fishing, and forestry
- Professional services (engineering, legal, consulting, etc.)
- Arts, entertainment, and recreation
What is BILL AP/AR
BILL AP/AR is a cloud-based accounts payable and accounts receivable platform used to manage invoice intake, approvals, payments, and collections workflows. It targets small and mid-sized businesses and accounting firms that need to pay vendors and get paid by customers using bank transfers, checks, and card-based options. The product combines AP automation (bill capture, routing, and payment execution) with AR tools (invoicing and payment acceptance) and integrates with common accounting systems.
End-to-end AP workflow
The product supports invoice capture, coding, approval routing, and payment execution in one workflow. This reduces manual handoffs between email, spreadsheets, and banking portals. It also provides audit-friendly tracking of who approved and when payments were scheduled.
Multiple payment methods
BILL supports paying vendors via ACH/bank transfer, check, and card-funded payments (where available), which helps accommodate vendor preferences. It also supports receiving customer payments for AR, consolidating payables and receivables activity. This breadth is useful for businesses that otherwise rely on separate tools for bill pay and invoicing.
Accounting system integrations
BILL commonly integrates with general ledger/accounting platforms to sync vendors, bills, invoices, and payment status. This can reduce duplicate data entry and improve reconciliation workflows. Integration-based syncing is a practical differentiator versus tools that focus primarily on payment acceptance without AP accounting context.
Fees vary by transaction
Total cost depends on subscription tier and per-transaction fees (for example, card-funded payments, expedited delivery, or certain payment rails). This can make budgeting harder for organizations with variable payment volumes. Some businesses may find that costs increase as they expand payment methods and usage.
Not industry-specific billing
Despite appearing in many vertical billing categories, BILL AP/AR is a general-purpose finance operations tool rather than a shop-management or vertical estimating system. It does not replace specialized workflows such as automotive repair order management, salon POS, or HOA member/assessment management. Companies in those industries often still need a dedicated vertical system and use BILL primarily for back-office AP/AR.
Complexity for small teams
Approval policies, roles, and accounting sync settings can require setup effort and ongoing administration. Very small teams with simple bill pay needs may find the workflow heavier than basic bank bill-pay or simple invoicing tools. Implementation quality often depends on how well accounting processes are defined.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Essentials | $49 per user/month | Manual CSV import/export integration with accounting software; easily enter bills; automate approval workflows; pay by ACH, virtual card, credit card; centralized bills inbox; connect with +4M vendors via BILL network; standard approval policies; access 6 standard user roles; AR features: create/send invoices, automate reminders, get paid by ACH & credit card. |
| Team | $65 per user/month | Automatic 2-way sync with QuickBooks Online/Pro/Premiere and Xero; automate approval workflows; pay by ACH, virtual card, credit card; centralized bills inbox; custom user roles; AR features as Essentials plus flexible invoice sending/tracking. |
| Corporate | $89 per user/month | Includes Team features plus additional customization, AP/AR/Procurement in one place; automatic 2-way sync with QuickBooks Online/Pro/Premiere and Xero; unlimited document storage; connect with +4M vendors; custom approval policies & user roles; procurement (purchase requests, POs) and 2-way matching (procurement features vary by add-on/ERP). |
| Enterprise | Custom pricing | All Corporate features plus automatic 2-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics & more; API access; single sign-on; dual control; multi-entity/multi-location accounting; priority support; contact BILL for demo/quote. |
Transaction & other (selected) fees from BILL's official pricing page:
- Payor transaction fees (when you pay vendors): ACH/ePayment $0.59; Mailed Check $1.99; Virtual Card Free (if accepted); International FX Wire Local Transfer Free (exchange rate applies); International USD Wire $19.99 USD; Instant Payment 1.0% ( $9.99 min, $100 max); Pay Faster ACH $11.99 (same-day/next-day windows apply); Pay Faster Check Overnight $24.99 / Two-day $19.99 / Three-day $14.99.
- Pay by Card (Credit/Debit) fees: ACH/ePayment 2.9%; Pay Faster Check adds 2.9% plus expedited check fees.
- Payor other fees: Void a Check $25.00; Void a Returned Check $3.00; Failed ACH after receiver is paid $50.00; Re-debit after Failed Funding $25.00; 1099 e-filing to IRS $2.99 (per 1099).
- Receiver fees (when you receive payments): ACH/ePayment $0.59; Credit/Debit Card 2.9% (may be passed to customer); International USD Wire $19.99; Instant Transfer 1%–1.49% ($1 min); Mailed Invoice $1.99.
Notes & scope: All pricing and fees above are pulled directly from BILL's official Pricing & Plans page (BILL AP & AR). Prices are shown on the vendor site as USD and listed as "user/month". Enterprise and some procurement features may vary by accounting software and may require contacting BILL for exact integration/add-on pricing.
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/
