BILL vs Paymentworks (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 Paymentworks if

• Fits if you want vendors vetted and bank details checked before you pay them
• Works for universities and finance teams worried about payment fraud

Look elsewhere if

• Not for you if you want expense reports or cards, as it covers vendor identity and payment security
• Pricey if you can't see a price, as none is published
• Tight if you want a trial, as only a demo is offered
• Watch out: the indemnification is the vendor's own claim and covers only ACH payments run through PaymentWorks

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.

Paymentworks

• No prices are published; the site points to a demo request.
• It covers vendor identity, onboarding and payment security, not employee expense reports or cards.
• The $2M indemnification is the vendor's claim and applies to ACH payments processed through PaymentWorks.

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.

Paymentworks

Automated vendor onboarding

Vendors complete one standardized profile, built on a network the site puts at 1.5M+ authenticated payees, before they enter the ERP.

Bank account verification

The receiving account is confirmed to belong to the payee before an ACH payment sends, and banking changes trigger the same check.

ACH indemnification

PaymentWorks says every customer is covered up to $2M per fraud event on ACH payments it processes, with optional supplemental coverage up to $5M.

Compliance checks

Sanctions checks, continuous monitoring, W-9 and 1099 information and audit trails are listed for vendor compliance.

Electronic payment options

Vendors choose ACH, virtual card or EarlyPay at onboarding, and EarlyPay earns the buyer a rebate when a vendor takes early payment.

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.

Paymentworks

Pricing could not be confirmed. See paymentworks.com.