Basware vs BILL (2026): which should you pick?

Pick Basware if

• Fits if you are a large company with many supplier invoices
• Works for finance teams that need e-invoicing and compliance

Look elsewhere if

• Not for you if you want employee expense reports or cards, as it doesn't handle them
• Watch out: no prices are published, only a talk to the team
• Skip it if you are small: the site is framed for large organizations
• Skip it if you want a free plan or a trial, as neither is listed

Pick BILL if

• Fits if you pay lots of supplier bills by ACH or check and want them approved before money goes out
• Works for accounting firms running bill pay for several clients

Look elsewhere if

• Pricey if you're a small team, as every Essentials user pays $49 a month and each ACH payment $0.59
• Skip it if you want automatic QuickBooks or Xero sync without paying $65 a user for Team
• Tight if you pay bills by card often, since that costs 2.9% a payment
• Watch out: mailed checks are $1.99 each and USD wires abroad $19.99, on every plan
• Watch out: the billing term isn't stated, the trial is offered only in most cases, and NetSuite needs Enterprise

Basware

• No prices are published; the pricing page says to speak to the team about a subscription.
• It handles supplier invoices and procurement, not employee expense reports or cards.
• The site frames it for large and mid-sized organizations with complex requirements.

BILL

• Payments carry fees on every plan: $0.59 per ACH payment, $1.99 per mailed check, $19.99 per USD wire abroad, and 2.9% to pay a bill by card.
• The Essentials plan exchanges data with QuickBooks and Xero only by CSV file; automatic two-way sync starts on Team, and NetSuite or Sage Intacct needs Enterprise.
• Spend & Expense is provided by Divvy Pay LLC, the Divvy Card is issued by its bank partners, and credit lines depend on approval.
• Every Essentials and Team user pays the full seat price; cheaper approver-only seats come with Corporate and Enterprise.

Basware

AP automation

Solutions listed include SmartCoding, SmartPDF, invoice matching and InvoiceAI for PO and non-PO invoices.

e-Invoicing network

Receive and send e-invoices through a network Basware says has 220+ partners, with an archive and interoperability between formats.

Compliance

Basware says it is VAT compliant in 60+ countries and lists a global e-invoicing compliance map for changing mandates.

Invoice and payment protection

Guardian for AP covers AP Protect, AP Audit & Recovery, statement matching and bank account verification through Trustpair.

e-Procurement

A procure-to-pay line with e-procurement and a marketplace extends from invoices into spend management.

ERP connections

The pricing page claims integration capability for 250+ ERP systems across more than 175 countries, including an SAP Cloud ERP hub.

BILL

Accounts payable

Bills arrive in one inbox, are routed through approval rules and are paid by ACH, check, virtual card or card, with W-9s collected by an agent.

Invoices and receivables

Send one-off or recurring invoices, chase them with automatic reminders, and get paid by ACH or card with auto-charge and auto-pay.

Spend & Expense with the Divvy Card

Corporate cards with budgets and spending rules. Receipts are captured by photo or text message and matched to transactions.

International payments

Pay suppliers in more than 130 countries, in their local currency with no BILL fee beyond the exchange rate, or by USD wire.

AI bill coding

From the Team plan, the Invoice Coding Agent fills in line-by-line accounting codes on incoming bills.

Procurement

Purchase requests, purchase orders, tolerance rules and 2-way matching, included on Corporate and an add-on below it.

Basware

Pricing could not be confirmed. See basware.com.

BILL

• Spend & Expense$0

  BILL Divvy Card, budgets, receipt capture, reimbursements and credit lines from $1,000 to $5M, subject to approval.

• Essentials$49

  per user / month, billing term not stated

  Bill entry and approvals, payments by ACH, card or check, invoicing, W-9 collection. Syncs with accounting software by CSV only.

• Team$65

  per user / month, billing term not stated

  Adds automatic two-way sync with QuickBooks and Xero, AI bill coding, custom user roles and cash flow forecasting.

• Corporate$89

  per user / month, billing term not stated

  Adds custom approval policies, purchase orders and requests, cheaper approver-only users, single sign-on and multi-entity books.

• EnterpriseCustom

  Adds sync with NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise, 2- and 3-way matching, dual control and premium phone support.