BILL vs Routable (2026): which should you pick?
As of Nov 13, 2026, BILL grades higher than Routable: 2.6 against 1.6 out of 4.0.
Checked Oct 18, 2026 and Nov 13, 2026 · graded Oct 18, 2026 and Nov 13, 2026 by ToolGPA
BILL grades higher on the free plan, features and ease of use. They get the same grade on value for money and 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
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 Routable if
- Fits if you pay hundreds of vendors or contractors each month and need tax forms collected
- Works for finance teams that want payouts to flow back into NetSuite, QuickBooks or Xero
Look elsewhere if
- Skip it if you're a small business, as the plan starts at $1,250 a month
- Pricey if you count the per-transaction fees, which vary by method and speed and aren't listed
- Not for you if you want it running in a day: setup averages 4 weeks
- Watch out: vendors beyond the included 1,000 aren't priced on the page
- Watch out: PO matching, 1099 / 1042-S filing, OFAC monitoring and SSO are add-ons
How we grade them
| 2.6GPABILLGood | 1.6GPARoutableWeak | |
|---|---|---|
| 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. | D$1,250 a month on yearly billing ($1,575 monthly) for up to 1,000 vendors. Expense tools' dearest tenth starts at $60, though this is a payables platform, not an expense app. |
| 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, and the page shows no way to try it before paying $1,250 a month. |
| 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. | CMass payouts, international payments, vendor onboarding and tax forms, approvals and accounting sync. PO matching, 1099 and 1042-S filing, OFAC monitoring and SSO are add-ons. |
| 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. The vendor says implementation and team training average 4 weeks. |
| 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 with an API for payouts and connections to NetSuite, QuickBooks and Xero. No phone or desktop app listed. |
| Best for | bill pay with approvals and free company cards | paying many vendors and contractors from one place |
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 Routable. How we grade
Price against what you get
BILL starts at $49 a month for each person and scores 3.3 out of 4 on features, ease of use and platforms. Routable starts at $1,250 a month and scores 2.3.
BILL scores higher and starts $1,201 a month lower. Of the other spend and bill pay tools on the chart, none scores higher than BILL for less, and 16 score higher than Routable for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- BILL also covers invoicing, expense tracking and company cards.
- Routable also covers workflow automation and partner payouts.
At a glance
| BILL | Routable | |
|---|---|---|
| Pricing | Free plan | Paid |
| Starts at | $49 per user / month for AP & AR, billing term not stated | $1,250 per month, billed annually ($1,575 billed monthly) |
| 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 | Routable |
| Price read from | bill.com | routable.com |
| Checked | Oct 18, 2026 | Nov 13, 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.
Routable
- On top of the subscription, Routable charges a per-transaction fee that varies by payment method and speed, and the pricing page does not list the amounts.
- Vendors beyond the included 1,000 on Growth and 3,000 on Scale are not priced on the page.
- Several features are add-ons rather than included, such as PO matching, form 1099 / 1042-S filing, OFAC monitoring, SSO/SAML and dedicated Slack support.
- The vendor says implementation and team training average 4 weeks.
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.
Routable
- Mass payouts
- Send payments one at a time, by CSV upload or through the payouts API, with ACH, check and instant payments over FedNow and RTP.
- International payments
- Pays to 220+ countries and territories in 140+ currencies, in 1-3 business days according to the vendor.
- Vendor onboarding and tax forms
- Vendors enter their own bank and tax details through branded onboarding. W-9 and W-8 collection and 1099 or 1042-S filing are available, some as add-ons.
- Accounts payable automation
- Invoice OCR and AI bill coding, with PO matching and predictive coding on higher tiers or as add-ons.
- Approval workflows
- Standard approval workflows are included in the Growth plan, and advanced workflows come with Scale.
- Accounting sync
- Connects to accounting and ERP systems including NetSuite, QuickBooks and Xero.
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.
Routable
Growth$1,250
per month, billed annually ($1,575 billed monthly)
Unlimited user seats, accounting and ERP integrations, domestic, international and instant payments, API access. Up to 1,000 vendors included.
ScaleCustom
Everything in Growth plus invoice automation, trainable OCR, PO matching, predictive coding and advanced approval workflows. Up to 3,000 vendors included.
EnterpriseCustom
Everything in Scale, for organizations operating at scale. Quoted through sales.
Ways to pay less
BILL
No public discounts listed.
Routable
- Annual discount
Save 20% with annual billing
The pricing page shows Growth at $1,250 a month when billed annually, against $1,575 a month billed monthly.
Common questions
Which is cheaper, BILL or Routable?
As of Nov 13, 2026, BILL starts at $49 per user / month for AP & AR, billing term not stated, and Routable starts at $1,250 per month, billed annually ($1,575 billed monthly). One is priced for each person and the other is not, so which costs less depends on how many of you use it.
Which has a free plan, BILL or Routable?
As of Nov 13, 2026, only BILL has a free plan. Routable does not.
Which platforms do BILL and Routable run on?
As of Nov 13, 2026, only BILL lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
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.