BILL vs Paystand (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 Paystand if

• Fits if your main job is getting customers to pay you
• Works for US and Canadian firms on a supported ERP

Look elsewhere if

• Not for you if you only want expense reports, as receivables is the core product
• Pricey if you can't see a price, as the page offers an ROI analysis instead
• Watch out: it operates in the US and Canada, per its company page
• Tight if you want a trial, as none is listed

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.

Paystand

• No prices are published; the pricing page describes flat monthly rates and offers a customized ROI analysis instead.
• Receivables is the core product; the expense and payables tools are newer additions, in the site's own words.
• Paystand operates in the US and Canada, per its company page.

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.

Paystand

Receivables and payment acceptance

A payment portal, virtual terminal, recurring payments and automatic reconciliation, accepting ACH, eCheck, credit cards, EFT and check scan.

Zero-fee payment network

The Paystand B2B Network moves money bank to bank with no transaction fees, and other payment methods carry pre-negotiated wholesale rates.

Spend management and cards

The Expenses section lists spend management, corporate cards and spend analytics, with Slack and Microsoft Teams listed there.

Payables and cross-border

AP automation, spend approvals and cross-border payments are listed, and the site mentions payroll in local currency across 190+ countries.

ERP integrations

Listed connections include NetSuite, QuickBooks Online, Xero, Sage Intacct and Microsoft Dynamics 365.

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.

Paystand

Pricing could not be confirmed. See paystand.com.