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

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

Pick Billtrust if

• Fits if you're a B2B supplier chasing customer invoices and payments
• Works for finance teams that want credit, collections and cash application in one place

Look elsewhere if

• Skip it if you need to pay vendors or track employee expenses, as it only covers receivables
• Skip it if you want a price before talking to someone: none is published
• Watch out: the pricing page returns not found, and buyers are sent to talk to an expert
• Watch out: the pages we read didn't name ERP integrations

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.

Billtrust

• No prices are published on the site; the pricing page returns not found and the site directs buyers to talk to an expert.
• It covers accounts receivable, so it does not handle employee expenses, cards or paying vendors.
• The site lists English, Dutch and German versions, and the pages we read did not name ERP integrations.

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.

Billtrust

Invoice delivery

Sends invoices by email, print, mail and to 260+ accounts payable portals, with e-invoicing compliance for B2B and government mandates.

Payments

Accepts customer payments across channels and payment methods; the vendor says it is PCI compliant.

Credit management

Credit risk management is one of the five connected modules on the platform.

Collections

Prioritizes collections work using data gathered from invoices and payments on the platform.

Cash application

Matches incoming payments to open invoices, and the vendor says the data improves matching over time.

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.

Billtrust

Pricing could not be confirmed. See billtrust.com.