BILL vs Relay (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 Relay if

• Fits if you run a small business and want several checking accounts with cards under one login
• Works for teams that want a savings rate and cash back, and will pay for Grow

Look elsewhere if

• Tight if you stay on Starter: it earns less on savings and lacks spend approval requests
• Pricey if you want automation, as Scale is $90 a month
• Watch out: transaction fees apply on every plan, for example $25 for SWIFT wires on Starter
• Watch out: Relay isn't an FDIC-insured bank, as banking comes from Thread Bank
• Watch out: pay-by-bank invoice collection costs 1%, 0.75% or 0.5% depending on plan, capped at $10

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.

Relay

• Relay is not an FDIC-insured bank; banking services come from Thread Bank, Member FDIC.
• Transaction fees apply on every plan: for example SWIFT international wires are $25 on Starter, $22 on Grow and $20 on Scale.
• Pay-by-bank invoice collection costs 1%, 0.75% or 0.5% of the amount on Starter, Grow and Scale, capped at $10.
• Savings APY and card cash back differ by plan and are variable, so the $0 Starter plan earns less than the paid plans.

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.

Relay

Checking and savings accounts

Open up to 20 checking accounts (50 on Scale) and high-yield savings accounts, with deposits auto-transferred by rule.

Debit and credit cards

Visa debit and credit cards with spend limits and roles, up to 50 debit cards per cardholder per checking account.

Expense tracking

Receipt capture and upload reminders, expenses categorized as they happen, and sync to accounting software.

Bill pay

Upload bills, assign tasks, set multi-step approval rules and pay vendors by ACH or wire.

Invoicing

Create and track invoices, send payment links and automated follow-ups, and collect by card, bank payment or wire.

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.

Relay

• Starter$0

  20 checking accounts, 1.19% APY on savings and 1% cash back on credit cards, as of 9/17/2026. Same-day ACH is $1 and domestic wires are $8.

• Grow$30

  per month

  Adds spend approval requests, batch vendor payments, bookkeeping automation and recurring invoices. 1.87% APY and 1.25% cash back. Same-day ACH is $0.50 and domestic wires are $5.

• Scale$90

  per month

  Shown as $90, down from $120, no end date given. 50 checking accounts, bill payment automation, cash flow forecasts, 3.21% APY, 1.5% cash back and no fee for same-day ACH.