BILL vs Ottimate (2026): which should you pick?
As of Nov 12, 2026, BILL grades higher than Ottimate: 2.6 against 1.8 out of 4.0.
Checked Oct 18, 2026 and Nov 12, 2026 · graded Oct 18, 2026 and Nov 12, 2026 by ToolGPA
BILL grades higher on the free plan, features and ease of use. Ottimate grades higher on value for money. They get the same grade on platforms.
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 Ottimate if
- Fits if you run multi-location restaurants, retail or healthcare and process many supplier invoices
- Works for AP teams that want GL codes predicted for each line
Look elsewhere if
- Pricey if you can't see a price, as there is no pricing page
- Too light for expenses on their own, as they sit on top of the payables product
- Tight if you want a trial, as no free plan or trial is listed
- Watch out: the integration pages cover Dynamics, Sage, Acumatica, NetSuite and QuickBooks, so check yours is there
How we grade them
| 2.6GPABILLGood | 1.8GPAOttimateWeak | |
|---|---|---|
| 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, so we leave it at the middle of the category's $7.50, $12 and $20 figures. |
| 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. | FNo free plan and no trial; the site tells buyers to contact the team. |
| 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. | CInvoice capture and coding, PO checks, duplicate flags, vendor payments and employee spend. Expenses and cards are described as additions to the payables workflow. |
| 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. Invoice workflows and accounting connections to set up first. |
| 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. | BWeb plus iOS and Android apps, with five accounting integrations on record. |
| Best for | bill pay with approvals and free company cards | invoice coding and approvals for restaurants and retail |
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 Ottimate. How we grade
Where they differ
- BILL also covers invoicing.
- Ottimate also covers workflow automation.
In commonWebiOSAndroidAI featuresExpense trackingBill payCompany cards
At a glance
| BILL | Ottimate | |
|---|---|---|
| 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 | Ottimate |
| Price read from | bill.com | Not confirmed |
| Checked | Oct 18, 2026 | Nov 12, 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.
Ottimate
- No prices are published; the pricing page does not exist and the site points to contacting the team.
- It is built around accounts payable first; expense and card features are described as add-ons to that workflow.
- Integration pages list Microsoft Dynamics, Sage, Acumatica, NetSuite and QuickBooks, and link to more.
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.
Ottimate
- Invoice capture and coding
- Scans invoices in multiple formats, including handwritten details, and predicts GL codes for each line item.
- Approvals and PO checks
- Routes invoices through automatic approval workflows and checks prices and quantities against POs, receipts or cost files.
- Risk flags
- Flags possible duplicate invoices and suspicious charges, and tracks spend across locations to spot supplier cost increases.
- Vendor payments
- Schedules payments around due dates and cash position and pays vendors from one platform, with approvals kept in place.
- Employee spend
- Employees file one report covering out-of-pocket costs, mileage and card charges, and finance can issue and track spend cards.
- Mobile app
- The iOS and Android app can upload and code invoices, approve payments, schedule payments and view spend reports.
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.
Ottimate
Pricing could not be confirmed. See ottimate.com.
Common questions
Which is cheaper, BILL or Ottimate?
As of Nov 12, 2026, BILL starts at $49 per user / month for AP & AR, billing term not stated, and Ottimate has no price we could confirm.
Which has a free plan, BILL or Ottimate?
As of Nov 12, 2026, only BILL has a free plan. Ottimate does not.
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.