BILL vs RazorpayX (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 RazorpayX if

• Fits if you run payouts and vendor payments for an Indian business
• Works for finance teams that need approval steps and TDS on payments

Look elsewhere if

• Pricey if you pay per payout, since plan fees cover platform access only and charges are billed separately
• Skip it if you need receipts or company cards, as it covers neither
• Watch out: the API Payouts bundle is an add-on at ₹4,000 a month
• Watch out: features are blocked if you don't upgrade to a paid plan, though the partner-bank account stays open
• Watch out: prices are in rupees excl. GST, and only the quarterly figures were readable

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.

RazorpayX

• Plan fees cover platform access only; payout charges are billed separately and shown on the dashboard.
• The API Payouts bundle is an add-on at ₹4,000 a month, and other add-ons are arranged through sales.
• Access to RazorpayX features is blocked if you do not upgrade to a paid plan, though the partner-bank account stays open.
• Prices are in rupees and exclude GST; the Annually toggle was not readable, so only the quarterly figures are recorded.

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.

RazorpayX

Payouts by NEFT, RTGS and IMPS

Pays or schedules payments over NEFT, RTGS and IMPS, with instant beneficiary addition and a maker-checker step on payouts.

Bulk payouts

Pro and Vendor Payments plans accept up to 50,000 payouts at once from a CSV file uploaded in the banking portal.

Vendor payments and TDS

The Vendor Payments plan captures invoices by email, upload or portal, reads them with OCR and calculates TDS linked to a vendor's PAN.

Approval workflows

Pro adds custom approval flows, and Vendor Payments adds multi-layer approvals set by amount, team or department.

Payout links

Single or bulk payout links let customers claim an amount into their own bank account without sharing details up front.

Banking APIs and add-ons

An API Payouts bundle, bank account validation, UPI payouts, ERP integrations and auto-reconciliation are sold as paid add-ons.

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.

RazorpayX

• Core₹1,499

  per month, billed quarterly (₹1,999 list)

  Basic payouts, automated beneficiary onboarding, simple approvals and the mobile app. ₹4,497 + GST a quarter.

• Pro₹4,199

  per month, billed quarterly (₹5,999 list)

  Adds bulk payouts, payouts without full bank details, team roles and custom approval flows. ₹12,597 + GST a quarter.

• Vendor Payments₹9,799

  per month, billed quarterly (₹13,999 list)

  Adds invoice OCR, vendor onboarding, a vendor portal and automated TDS. ₹29,397 + GST a quarter.