BILL
Bill pay, invoicing and free company cards for small businesses
BILL report card
Good · out of 4.0 · graded Oct 18, 2026
Best for bill pay with approvals and free company cards
BILL runs both sides of a small company's bills: supplier bills land in one inbox, get approved and go out by ACH, check or card, and invoices go the other way. Its Spend & Expense cards cost nothing. But bill pay itself is $49 a user a month plus $0.59 for every ACH payment, when several rivals send ACH for free.
Who BILL is for
- Great if you pay lots of supplier bills by ACH or check and want them approved before money goes out
- Handy when you also want free company cards with budgets next to your bill pay
- Good for accounting firms running bill pay for several clients
Who BILL is not for
- 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
Why BILL gets a 2.6
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- DValue for moneyGraded 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.
- CFree plan and trialSpend & 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.
- BFeaturesThe 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.
- AEase of use4.86 from 48,758 App Store ratings, the top band. There are approval rules and an accounting link to set up first, but people clearly get on with it once that's done.
- BPlatforms and integrationsWeb, 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.
What these grades rest on. Graded from this listing, whose facts were read from BILL's own pages on 18 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/bill#review"><img src="https://toolgpa.com/badge/bill.svg" alt="BILL: 2.6 GPA on ToolGPA" width="196" height="56"></a>Where BILL stands among spend and bill pay tools
BILL's GPA of 2.6 is higher than 3 of the 13 other spend and bill pay tools we grade, and level with 1.
It stands best on ease of use (A, above 8 of 13) and worst on value for money (D, above 0).
Its paid plans start at $49 a month for each person, against a middle price of $12 for the category: 11 of the 11 others that charge start lower.
On features, ease of use and platforms it scores 3.3 out of 4. Nothing scores higher for less, though at least one tool matches that score at a lower price.
Each grade against the category
Every bar is all 14 spend and bill pay tools we grade, cut by the letter each got. BILL’s own letter is outlined.
- DValue for moneyAbove 0 of 13
- CFree plan and trialAbove 2 of 13, level with 3
- BFeaturesAbove 8 of 13, level with 5
- AEase of useAbove 8 of 13, level with 5
- BPlatforms and integrationsAbove 0 of 13, level with 12
Price against what you get
Each dot is one of 13 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
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
Keep BILL, or make your own?
Keep it
To replace BILL you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 9 of the 13 other spend and bill pay tools grade higher. It costs $588 a year.
What you could make
- Invoicing and expense tracking: an app builder makes these well.
What you could not
- Money moved between bank accounts, which takes a licensed payments partner.
- Cards issued through a bank.
- A real app for iOS and Android. Something home-made would be a web page.
- It is priced for each person, which means accounts and billing for a team.
- It plugs into other products, QuickBooks Online, Xero and Oracle NetSuite among them, and has an API.
- AI features, unless you pay a model provider for each request yourself.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. BILL’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is BILL?
BILL is a financial operations platform for small and midsize businesses. Its accounts payable side collects supplier bills, routes them for approval and pays them by ACH, check, card or international transfer, and its receivables side sends invoices and takes payment. BILL Spend & Expense, run by Divvy Pay, adds corporate cards, budgets and receipt capture with no subscription fee.
BILL has a free plan. Paid plans start at $49 per user / month for AP & AR, billing term not stated. See every plan
Good for
- Small businesses that pay many supplier bills by ACH or check
- Accounting firms running bill pay for several clients
- Teams that want free company cards next to their bill pay
Worth knowing
- 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.
Key features
- 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.
BILL pricing
- Starts at
- $49 per user / month for AP & AR, billing term not stated
- 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.
- Free trial
- Free trial of the AP & AR plans "in most cases"; length not stated
| Plan | Price | What you get |
|---|---|---|
| Spend & Expense | $0 | BILL Divvy Card, budgets, receipt capture, reimbursements and credit lines from $1,000 to $5M, subject to approval. |
| Essentials | $49per 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 | $65per 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 | $89per 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. |
| Enterprise | Custom | Adds sync with NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise, 2- and 3-way matching, dual control and premium phone support. |
Read from bill.com on Oct 18, 2026. Prices change, so confirm with BILL before you buy.
How people rate the BILL app
4.9
out of 5 for the iPhone and iPad app
- 5 stars91%
- 4 stars7%
- 3 stars<1%
- 2 stars<1%
- 1 star1%
48,758 ratings on the App Store in the United States, read Oct 18, 2026. It rates the app, not everything the product does. See the listing
Works with
- QuickBooks Online
- Xero
- Oracle NetSuite
- Sage Intacct
- Microsoft Dynamics
- QuickBooks Enterprise
- Acumatica
- Rillet
BILL alternatives
- BILL vs Melio
Free plan · from $20/mo
- BILL vs Plooto
Free trial · from $9/mo
- BILL vs Ramp
Free plan · from $15/mo
- BILL vs Brex
Free plan · from $12/mo
- BILL vs Nickel
Free plan · from $35/mo
Common questions
Is BILL free?
BILL has a 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. Paid plans start at $49 per user / month for AP & AR, billing term not stated.
How much does BILL cost?
BILL lists 5 plans. Spend & Expense: $0. Essentials: $49 per user / month, billing term not stated. Team: $65 per user / month, billing term not stated. Corporate: $89 per user / month, billing term not stated. Enterprise: custom pricing. Prices were read from bill.com on Oct 18, 2026.
What platforms does BILL work on?
BILL is available on Web, iOS and Android.
How is BILL rated?
BILL's iPhone and iPad app averages 4.9 out of 5 from 48,758 ratings on the App Store in the United States, as read on Oct 18, 2026. That is the store's rating of the app, not a score from us.
Does BILL have a Windows app?
No Windows app was listed when its pages were read on Oct 18, 2026. BILL is listed for Web, iOS and Android.
Does BILL have a macOS app?
No macOS app was listed when its pages were read on Oct 18, 2026. BILL is listed for Web, iOS and Android.
Is BILL open source?
BILL is not described as open source on its own site, as read on Oct 18, 2026.
Does BILL have an API?
Yes. BILL offers a public API, according to its own site.
What does BILL integrate with?
BILL's listing names QuickBooks Online, Xero, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, QuickBooks Enterprise, Acumatica and Rillet. A listing names up to eight integrations, so it may connect to more.
Does BILL have a free trial?
Yes. Free trial of the AP & AR plans "in most cases"; length not stated.
Who makes BILL?
BILL is made by BILL Operations, LLC. It dates from 2006.
What are the alternatives to BILL?
The closest alternatives to BILL in our directory are Melio, Plooto, Ramp, Brex and Nickel. Each one has a side-by-side comparison with BILL.
How does BILL compare with other spend and bill pay tools?
BILL's GPA of 2.6 is higher than 3 of the 13 other spend and bill pay tools we grade, and level with 1. It stands best on ease of use (A, above 8 of 13) and worst on value for money (D, above 0).
Is BILL good value for money?
ToolGPA grades BILL D for value for money. Its paid plans start at $49 a month for each person, against a middle price of $12 for the category: 11 of the 11 others that charge start lower. On features, ease of use and platforms it scores 3.3 out of 4. Nothing scores higher for less, though at least one tool matches that score at a lower price.
Could I make my own version of BILL?
To replace BILL you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 9 of the 13 other spend and bill pay tools grade higher. It costs $588 a year. What you could not make: Money moved between bank accounts, which takes a licensed payments partner. Cards issued through a bank. A real app for iOS and Android. Something home-made would be a web page. It is priced for each person, which means accounts and billing for a team. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 18, 2026. What people say is linked where it appears.