Spend & Bill Pay
Free spend and bill pay tools
10 of the 14 spend and bill pay tools in this directory are free or have a free plan.
1 has no paid plan at all. The rest pair a free plan with paid ones, and the table says what each free plan includes.
Listings checked up to Oct 18, 2026 · Where the facts come from
| Tool | Price | What is free |
|---|---|---|
| BILLBill pay, invoicing and free company cards for small businesses | Free plan · from $49/mo | BILL Spend & Expense: corporate cards, budgets, expense tracking and reimbursements with no subscription or per-user fee. Card and payment fees still apply. |
| MelioBill pay and invoicing for small US businesses, with a free plan | Free plan · from $20/mo | Go: 1 user, 5 free ACH payments a month ($0.50 each after), payments by card, check or wire, international payments, invoices and payment links, and up to 10 QuickBooks or Xero syncs. |
| AirwallexMulti-currency business accounts, cards, bill pay and expenses | Free plan · from $12/mo | Explore: multi-currency accounts, unlimited corporate cards, expenses, reimbursements, bill pay and invoicing for up to 10 Spend users, with no monthly fee. Transaction fees apply. |
| AspireFree business account with global payments, cards and expense tools | Free | Everything. There is no paid plan. |
| NickelFree ACH invoicing and bill pay for US businesses | Free plan · from $35/mo | Nickel Core: 3 users, unlimited invoices and bills, free ACH, payment links and one payment page, QuickBooks sync and 2% APY on Nickel Balance, with a $25,000 limit per payment. |
| NavanBusiness travel booking with expenses and corporate cards built in | Free plan · from $15/mo | Navan Business, for companies of up to 300 employees: travel booking with no trip limit, policies and 24/7 travel agents, plus expenses free for the first 5 expensing users a month. |
| ExpensifyReceipt scanning, expense reports and company cards, from $5 a member | Free plan · from $5/mo | Submit, free for any employee: unlimited receipt scans, mileage tracking, expense reports, categories and tags, personal card import and chat on expenses. |
| RampCorporate cards, expenses, travel and bill pay, with a free plan | Free plan · from $15/mo | Ramp Free: unlimited cards, expenses by text or Slack, travel booking, bill pay, invoicing, a checking account, custom reports and QuickBooks Online or Xero sync. |
| BrexCorporate cards, expenses, bill pay and travel for growing companies | Free plan · from $12/mo | Essentials: unlimited global cards, one local card program, AI spending rules, up to two entities, bill pay, reimbursements, travel booking, accounting integrations and API access. |
| Zoho ExpenseExpense reports, receipt scanning and travel booking from Zoho | Free plan · from $3/mo | Free: up to 3 users, 20 AI receipt scans per user a month, expense reports, GPS mileage, multi-currency expenses, accounting integrations and 5 GB of receipt storage. |
Common questions
Which spend and bill pay tools are free?
10 of the 14 spend and bill pay tools in this directory are free or have a free plan. They are BILL, Melio, Airwallex, Aspire, Nickel, Navan, Expensify, Ramp, Brex and Zoho Expense.
Which spend and bill pay tools are free with no paid plan?
Aspire has no paid plan. The others on this page limit the free plan and sell paid ones.
When was this checked?
Every listing on this page was checked on Oct 18, 2026, against the pages it cites. Vendors change prices and plans without notice, so confirm on their site before you buy.
This page is built from the listings. A tool is here because its listing says so, and each listing names the pages it was read from.