Small businesses need a way to manage their finances, but traditional methods like using a checkbook or Excel are no longer feasible due to the advent of new technologies.
Businesses have had to adapt and change, including managing their finances. Paper-based methods like checkbooks and Excel spreadsheets just don’t cut it anymore- they’re slow, inefficient, and can leave you open to fraud.
Bill.com is now BILL. The company introduced the BILL brand in 2022, and its parent became BILL Holdings, Inc. (NYSE: BILL) in February 2023, though the product still lives at bill.com. It helps small and mid-sized businesses automate accounts payable, accounts receivable, invoicing, payments, and approvals in one place.
This article provides in-depth details about Bill.com software, including its features, pricing, pros, and cons.
What is Bill.com?
Bill.com is a cloud-based software that helps businesses automate their financial operations, like accounts payable and receivable.
It makes it easier and faster for companies to pay their bills, get paid by customers, and track their finances. Millions of businesses around the world use Bill.com.
More details about Bill.com
The software is trusted by over 4.7million network members, including TED, Quicken, Thumbtack, Fortis, and Wag.
BILL.com helps businesses connect to a network of millions of people. This allows them to get paid and pay others faster. BILL’s tools help small businesses manage their money better so they can do well in business. BILL works with big banks, accounting companies, and software providers in the U.S. It is based in San Jose, California. To learn more, go to Bill.com
Products
Accounts Payable
- You can easily enter the bills.
- Automats approval process
Accounts Receivable
- It enables you to create professional invoices by allowing you to customize fields.
- Provides various ways to send invoices like email
- You can track your invoice status easily
- You can get faster payments
Credit and Expense Management
- Provides business credit, expense management, and spending management.
Features
Payments
The software allows you to make payments with various methods. They are
ACH
It offers less processing time. It takes almost two to five days to deliver. It provides more flexibility and control over cash flows. It offers digital payments and hence reduces the risk of paper check theft. It is a cost-effective solution.
Virtual cards
It offers one-time use of the account number and is used to facilitate payment of a single supplier invoice.
Pay by card
If you use credit cards, it offers rewards and reduces manual errors.
International wire
You can make international and domestic payments in over 130 countries with the help of an international wire.
Print and mail services
It enables you to pay your vendors with paper checks.
Faster checks
It allows you to process payments fast.
Approvals
- This feature allows you to have control over your entire accounts payable process.
- You can track and monitor approvals in each step.
- The feature helps to control fraud.
- No need to take physical signatures. You can request and accept approvals digitally.
- It allows you to send invoices to the right person at the right time.
- It enables you to do approvals using mobile apps.
Controls
- Provides transparency into your AP workflow
- Provides a 360-degree view of payments
- Provides comprehensive vendor details
- Easy tracking of approvals and payment status
Invoicing
- It enables you to create invoices automatically.
- Enables customers to make payments easily through credit cards and ACH
- It provides professionally designed templates
- You can customize the invoice with your logo and organize the fields.
API
- This feature allows you to process high volumes of payments, and all information is coded using Transport Layer Security (TLS).
- Allows you to build syncs and integrations to automate accounts payable and receivables.
- It provides robust documentation.
Integrations
- It integrates with Quickbooks, Xero, Oracle NetSuite, Sage Intacct, and MS Dynamics.
Security
- Its multi-layered security technology avoids payment fraud, network security breaches, and unauthorized account access. It also protects customer data.
- It adheres to AICPA (American Institute of CPAs)SOC 2 compliance
- The software does not use third-party services to issue payments, giving you more control over your payments.
Mobile Apps
- The software provides mobile apps for reviewing and approving bills.
- You can get real-time messages/alerts.
Artificial intelligence
- With the help of AI, you can upload and extract the invoice within a second.
- You can separate multiple documents and detect duplicates.
Pricing of Bill.com
BILL sells one ladder of per-user plans, and every plan includes both accounts payable and accounts receivable. Prices were checked on bill.com on 9 October 2026.
Pricing plans for businesses
| Plan | Price per user per month | What it adds |
|---|---|---|
| Essentials | $49 | Accounts payable and receivable basics, standard approval policies, 6 standard user roles. Accounting sync only by manual CSV import and export. |
| Team | $65 | Automatic two-way sync with QuickBooks Online, QuickBooks Pro, QuickBooks Premier and Xero; custom user roles. |
| Corporate | $89 | Adds procurement: purchase requests and purchase orders, two-way matching, tolerance rules, unlimited purchase requesters at no charge. |
| Enterprise | Custom (request a demo) | Automatic two-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics and Acumatica; single sign-on, dual control, multi-entity accounting, premium phone support. |
| Spend & Expense | $0 | Corporate cards, budgets and expense tracking; credit lines are subject to approval. |
On Essentials and Team every user is billed as a standard user. Corporate and Enterprise distinguish full-feature users from lower-cost approver-only users, so a company with many approvers pays less per head on those plans, according to BILL’s pricing FAQ.
Pricing for accounting firms
Accounting firms manage clients through BILL’s Accountant Console. The AP & AR Partner tier costs $49 a month and the Spend & Expense Partner tier is free, per BILL’s pricing page on 9 October 2026.
How BILL’s prices changed since 2024
Our screenshots from 13 March 2024 show Essentials at $45, Team at $55 and Corporate at $79 per user per month. By October 2026 the same plans cost $49, $65 and $89, rises of 9%, 18% and 13%. If you budgeted from an older review, use the current figures above.
Transaction fees
These are charged per payment on top of the plan price (BILL pricing page, 9 October 2026):
| ePayment/ACH processing fee | $0.59/send & receive |
| We mail your checks | $1.99/check payment |
| We mail your invoices | $1.99/invoice |
| Pay by credit or debit card | 2.9% transaction fee/payment (fees apply to payer) |
| Get paid via a credit card payment | Merchant Fees: Level 3 processing rates are available |
| International wire transfer (local currency) | $0 fee per payment and competitive exchange rates |
| International wire transfer (USD) | $19.99 |
| Vendor direct virtual card payment | $0 per payment |
| Instant payment | 1.0% ($9.99 minimum, $100 maximum) |
| Pay faster by ACH | Same or next day: $11.99 |
| Pay faster by check | Overnight: $24.99 Two days: $19.99 Three days: $14.99 |
Fees have risen too. In November 2022 an ACH payment cost $0.49, a mailed check $1.69, a mailed invoice $1.49 and a USD international wire $14.99. On 9 October 2026 the same services cost $0.59, $1.99, $1.99 and $19.99.
Supported industries
- Accounting Firms
- Healthcare
- Hospitality
- Manufacturing
- Nonprofits
- Professional Services
- Retail and E-commerce
- Software and Technology
- Wealth Management
Pros
- The software provides almost all features to automate your financial operations.
- It syncs automatically with QuickBooks Online, Pro and Premier and with Xero on Team and above, and with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct and Microsoft Dynamics on the Enterprise plan.
- You can change the permissions for each user.
- It provides expense and spend management.
Cons
- Per-user pricing adds up: on Essentials and Team every user, including approvers, is billed as a standard user.
- Transaction fees come on top of the plan, $0.59 per ACH payment and $1.99 per mailed check, and they have risen since 2022.
- Automatic sync with QuickBooks Enterprise, NetSuite, Sage Intacct or Dynamics needs the custom-priced Enterprise plan. Essentials syncs only by CSV file.
- Premium phone support is limited to the Enterprise plan.
- Criminals send phishing emails that pretend to come from BILL. BILL asks recipients not to click links or reply and to forward them to the phishing-report address on its security page; it is worth telling your vendors the same.
Other details
| Deployment | Cloud, SaaS, Web-Based |
| Headquarters | San Jose, California, United States |
| Supported device | Android, iPhone, iPad |
| Support | Email/Help Desk, FAQs/Forum, Knowledge Base, Phone Support, Chat |
| Training | In-person, Live Online, Webinars, Documentation, Videos |
| Customer ratings | Capterra: 4.2 (422+reviews), G2: 4.5 (1007+reviews) |
Is BILL right for your business?
Work out the monthly cost before you compare. A three-person finance team on Team pays 3 × $65 = $195 in subscriptions. If it sends 100 ACH payments and mails 20 checks a month, fees add 100 × $0.59 = $59 and 20 × $1.99 = $39.80, for $293.80 a month before any card or faster-payment fees.
BILL fits small and midsize businesses on QuickBooks Online or Xero that pay most vendors by ACH. Pick Team rather than Essentials if you want automatic accounting sync, since Essentials syncs only by CSV file. It fits less well if you run Oracle NetSuite, Sage Intacct or Microsoft Dynamics, because automatic sync with those needs the custom-priced Enterprise plan, or if you mail many checks at $1.99 each. Premium phone support is also an Enterprise feature.
Reference
Bill.com customer story – lightwave
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