BILL vs Corpay (2026): which should you pick?
As of Nov 13, 2026, BILL grades higher than Corpay: 2.6 against 1.6 out of 4.0.
Checked Oct 18, 2026 and Nov 13, 2026 · graded Oct 18, 2026 and Nov 13, 2026 by ToolGPA
BILL grades higher on the free plan, features, ease of use and platforms. Corpay grades higher on value for money.
Price, platforms and features side by side. The table says where each price was read and when.
BILL
Bill pay, invoicing and free company cards for small businesses
Free plan · from $49/mo
Which one is for you
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 Corpay if
- Fits if your finance team wants card rebates and AP automation from one provider
- Works for companies paying suppliers in many currencies
Look elsewhere if
- Skip it if you want a price before talking to sales, since none is published
- Not for you if you want to know your rebate up front, as the site calls it custom per program
- Watch out: the card is issued by Fifth Third Bank, N.A. or another bank under a Mastercard licence
- Watch out: it is several separate products, and a buyer may need only one of them
How we grade them
| 2.6GPABILLGood | 1.6GPACorpayWeak | |
|---|---|---|
| Value for money | DGraded against its bill pay alternatives. A ten-person company paying 20 supplier bills by ACH pays $60.80 a month on Essentials: $49 for one user plus $11.80 in fees at $0.59 each. Nickel, Ramp and Brex send ACH free, and two-way QuickBooks or Xero sync needs Team at $65. | CNo price is published for any product; buyers speak to an expert, and card rebates are described as custom. That puts it in the middle with nothing to grade against. |
| Free plan and trial | CSpend & Expense is free: Divvy cards, budgets, receipts and reimbursements, though card and payment fees still apply. Bill pay and invoicing, the main job, need a paid plan, and the trial is offered in most cases with no length given. | FNothing free and no trial is listed. Every product is sold through a sales conversation. |
| Features | BThe whole job: a bills inbox with approval rules, payments by ACH, check or card, local-currency transfers to 130+ countries, invoices with auto-pay, Divvy cards with budgets, AI bill coding from Team and purchase orders on Corporate. | CCards, AP automation, payments in 140+ currencies and expense visibility. The lines are separate products, so a buyer may only need one of them and pay for the lot. |
| Ease of use | A4.86 from 48,758 App Store ratings, the top band. There are approval rules and an accounting link to set up first. | CNo store rating on record. Setup runs through a sales process and ERP integration, so expect a rollout rather than a sign-up. |
| Platforms and integrations | BWeb, iPhone and Android, syncing with QuickBooks Online, Xero, NetSuite, Sage Intacct, Dynamics and Acumatica, with an API. No desktop app is listed, and Essentials swaps data with QuickBooks and Xero by CSV only. | CWeb only on the listing, with NetSuite the one named integration. |
| Best for | bill pay with approvals and free company cards | cards and payables from one finance provider |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: BILL and Corpay. How we grade
Where they differ
- BILL also covers invoicing.
- Corpay also covers workflow automation.
In commonWebExpense trackingBill payCompany cards
At a glance
| BILL | Corpay | |
|---|---|---|
| Pricing | Free plan | Paid |
| Starts at | $49 per user / month for AP & AR, billing term not stated | Not published |
| Free plan | BILL Spend & Expense: corporate cards, budgets, expense tracking and reimbursements with no subscription or per-user fee. Card and payment fees still apply. | None |
| Free trial | Free trial of the AP & AR plans "in most cases"; length not stated | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | BILL Operations, LLC | Corpay |
| Price read from | bill.com | Not confirmed |
| Checked | Oct 18, 2026 | Nov 13, 2026 |
Worth knowing
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.
Corpay
- No prices are published; every product is sold through a sales conversation.
- Corpay Mastercard is issued by Fifth Third Bank, N.A. or another financial institution under a Mastercard license, per the site.
- Rebates are described as custom, so the amount a buyer earns is set per program rather than listed.
- The product lines (cards, AP, FX, fleet, lodging) are separate offerings; a buyer may need only one.
Key features
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.
Corpay
- Commercial cards
- Corpay Mastercard covers travel, purchasing and vendor payments, plus virtual cards, with custom cash rebates and flexible payment terms.
- AP automation
- Invoices and approvals are digitized in one system, with payments automation, PO automation and ERP integrations for syncing data.
- Cross-border payments
- Pay in 140+ currencies to more than 200 countries, with multi-currency accounts and currency risk management products.
- Expense management
- Real-time visibility and control across every card and transaction, with AI agents the site says control more of what a business spends.
- Fleet and lodging
- Fuel and fleet cards under Corpay One and Comdata, and corporate lodging and travel booking for workforces.
Plans
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.
Corpay
Pricing could not be confirmed. See corpay.com.
Common questions
Which is cheaper, BILL or Corpay?
As of Nov 13, 2026, BILL starts at $49 per user / month for AP & AR, billing term not stated, and Corpay has no price we could confirm.
Which has a free plan, BILL or Corpay?
As of Nov 13, 2026, only BILL has a free plan. Corpay does not.
Which platforms do BILL and Corpay run on?
As of Nov 13, 2026, only BILL lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.