BILL vs Veem (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 Veem if

• Fits if you pay overseas suppliers or contractors by wire, check or card
• Works for businesses that want a virtual card and a multi-currency wallet

Look elsewhere if

• Tight if you stay on Basic: US and Canada bank transfers cost $1 each
• Pricey if you pay by card, at 3.5% with a $3.50 minimum on business US credit cards
• Watch out: mass pay, user roles, reminders and accounting integrations need Premium
• Watch out: Veem's main site showed a bot check, so these prices come from its help center pages dated 2025

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.

Veem

• Veem's main site returned a bot check when read, so prices and fees come from its help center pages, which date from 2025 updates.
• Per-payment fees apply: business US credit card payments cost 3.5% (minimum $3.50), and same-day bank transfers cost 0.5%.
• Basic-plan bank transfers cost $1 each, and Basic users paying by card pay 3.5%.
• Several features, including mass pay, user roles and accounting integrations, need Premium.

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.

Veem

International payments

Send by international wire in local currency, by bank transfer, by check in the US, or by card, in 1 to 6 business days depending on the country.

Virtual bank account and wallet

A local bank account in your name and a wallet that holds funds in up to 15 currencies, with FDIC insurance as described in the help center.

Virtual card

A virtual card for spending funds, which the help center says is accepted by over 150 million merchants.

Invoicing and recurring payments

Request payments, create invoices and schedule recurring payments and invoices, with payment tracking and reports.

Accounting integrations

Premium syncs and reconciles payments with bookkeeping partners and supports Zapier, QuickBooks, NetSuite and Xero.

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.

Veem

• Basic$0

  Pay and get paid by international wire, check, card and wallet, with recurring payments and invoices. No free bank transfers in the US and Canada.

• Premium$24.99

  per month

  Adds free ACH/EFT bank transfers in the US and Canada, mass pay, user roles, payment reminders and accounting integrations. $34.99 CAD for Canadian clients.