BILL vs Tradeshift (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 Tradeshift if

• Fits if you run a large accounts payable team that needs e-invoicing compliance
• Works for companies that want suppliers on one invoicing network

Look elsewhere if

• Skip it if you need employee expense reports or receipt capture, as it handles neither
• Not for you if you want a quick sign-up, since rollout is a customization project
• Pricey if you hope to learn the cost up front, because no price is published
• Watch out: suppliers can be charged separately; the support centre has a Supplier Subscriptions topic, details not read

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.

Tradeshift

• No prices are published; the site asks visitors to request a demo or contact sales.
• It handles invoices and payables, not employee expense reports or receipt capture.
• The site says most customers need extensive customization, so rollout is a project rather than a sign-up.
• Suppliers can be charged separately: the support center lists a Supplier Subscriptions topic, details not read.

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.

Tradeshift

AP automation

Supplier invoices are captured and routed for approval, and the site says 96.9% of invoices are processed with no manual touch.

E-invoicing compliance

Pre-configured connectors handle e-invoicing mandates, with compliance covered in 70+ countries and a registered platform for France's mandate.

Tradeshift Network

Buyers and sellers sit on one network, so suppliers are onboarded with their first invoice without needing to sign up separately.

Virtual credit cards

Offered to finance teams paying suppliers and to sellers receiving payment, alongside procure-to-pay and a B2B marketplace.

AI analytics and EDI

A conversational AI analytics product for payables data, plus an EDI integration platform and a developer center for IT teams.

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.

Tradeshift

Pricing could not be confirmed. See tradeshift.com.