Essentials
$49
/month
- + AP or AR automation
- + AI-powered invoice capture
- + ACH, check, and card payments
- + Standard approval workflows
- + CSV import/export for accounting sync
BILL
Automates accounts payable and receivable with AI-powered invoice processing and approval workflows.
finance-accounting
Our Score
4.1
Starting at $49 /month
Try BILL Free →
Affiliate link
4.1
RecommendedBILL Score
Ease of Use
3.9
Features
4.0
Value
4.2
Support
3.8
Based on our editorial review across usability, features, value, support, and integrations.
Best For
Businesses processing 50+ invoices monthly that need approval automationFinance teams requiring multi-step approval workflows with audit trailsCompanies already using QuickBooks, Xero, or NetSuite wanting deeper AP/ARAccounting firms managing AP/AR for multiple clientsMid-market companies needing corporate card and spend management in one platform
Best For
Businesses processing 50+ invoices monthly that need approval automation
Free Trial
No
Standout Feature
AI-powered invoice data extraction with automatic field mapping
Track Record
Since 2006
What Problem It Solves
BILL eliminates the paper-based, manual accounts payable process that bogs down finance teams. Instead of receiving invoices via email or mail, manually entering data into accounting software, printing checks or initiating transfers, and tracking approvals via email chains, BILL centralizes everything. Invoices are automatically ingested and parsed by AI, routed through predefined approval workflows, and paid electronically with full sync back to your accounting system. On the AR side, it replaces manual invoice delivery and payment follow-up with automated online invoicing and payment acceptance. The result is faster payment cycles, fewer data entry errors, better cash flow visibility, and a complete digital audit trail that makes month-end close and annual audits significantly less painful.
Key Features
- AI-powered invoice data extraction with automatic field mapping
- Customizable multi-step approval workflows with sequential and parallel routing
- Multiple payment methods including ACH, check, virtual card, and international wire
- Two-way sync with QuickBooks, Xero, Sage, NetSuite, and Oracle
- Accounts receivable automation with online invoice delivery and payment acceptance
- Vendor portal for self-service payment status and document sharing
- Spend management with Divvy corporate cards and real-time budgeting
Pros
- + Best-in-class AP automation that genuinely reduces manual data entry
- + Deep accounting software integrations keep your books in sync automatically
- + Flexible approval workflows support complex organizational hierarchies
- + Strong audit trail and compliance documentation for financial controls
- + International payment support at competitive exchange rates
Cons
- - Per-transaction fees on top of monthly subscription increase total cost of ownership
- - Interface has a steep learning curve for non-finance team members
- - Overkill for businesses processing fewer than 20 bills per month
- - Vendor onboarding can be slow when payees need to register for electronic payments
Pricing
Team
$65
/month
- + AP and AR in one platform
- + Automatic 2-way sync (QuickBooks, Xero)
- + Custom user roles
- + Granular AP & AR controls
- + Everything in Essentials
Corporate
$89
/month
- + Procurement tools
- + Purchase orders with 2-way matching
- + Custom approval policies
- + Multi-feature AP, AR, and procurement
- + Everything in Team
Enterprise
Custom
Contact sales
- + Custom pricing
- + QuickBooks Enterprise, Oracle NetSuite, Sage Intacct sync
- + SSO and dual control
- + Multi-entity, multi-location
- + API access and priority support
Starting at $49 /month
Try BILL Free →
Affiliate link
Our Verdict
BILL — Recommended
BILL occupies a unique position in the SMB finance stack: it is not a general accounting tool, but rather a specialized AP/AR automation layer that sits on top of your existing accounting software. If your business processes more than 20-30 bills per month, or if you have multi-step approval workflows involving multiple team members, BILL can save significant time compared to manual processes or basic accounting tool features.
The AI-powered invoice data extraction works well for standard invoices, typically pulling vendor name, amount, due date, and line items with high accuracy. The approval workflow engine is genuinely flexible, supporting sequential and parallel approvals, delegation rules, and policy-based auto-approvals. International payments through BILL are competitively priced compared to wire transfers. The audit trail is thorough, which accountants and auditors appreciate.
The main drawback is cost. At $45/month for the base plan plus per-transaction fees, BILL is not cheap, and costs add up quickly for high-volume businesses. The interface has improved over the years but still feels enterprise-oriented rather than consumer-friendly. The learning curve is real, especially for setting up approval policies and payment rules. Smaller businesses that only process a handful of bills monthly may find it overengineered for their needs. But for the AP/AR pain point specifically, BILL is the market leader for a reason.
Related Tools
How much does BILL cost for small businesses?
BILL offers tiered pricing starting with Essentials at $45/month per user for basic AP or AR automation. Team plan costs $55/month per user and adds approval workflows, custom roles, and accounting software sync. Corporate plan is $79/month per user with advanced features like workflow automation and bulk actions. Enterprise pricing is custom. There are also per-transaction fees: ACH payments cost $0.49 each, checks are $1.69 each, and international wires have variable fees. BILL often runs promotions with discounted first-month pricing or waived setup fees.
Does BILL integrate with QuickBooks and other accounting software?
Yes, integration with accounting software is one of BILL's core strengths. It offers deep two-way sync with QuickBooks Online, QuickBooks Desktop, Xero, Sage Intacct, NetSuite, and Oracle. The sync automatically transfers bill data, payment records, and vendor information between BILL and your accounting system, eliminating double data entry. Chart of accounts, classes, locations, and departments map across platforms. The QuickBooks integration is particularly mature, supporting real-time sync of invoices, payments, and bank reconciliation data. Most customers report that the integration saves 2-4 hours per week of manual data entry.
Is BILL safe for processing business payments?
BILL takes security seriously as a publicly traded financial operations company (NYSE: BILL). The platform uses bank-level encryption (AES-256) for data at rest and TLS 1.2+ for data in transit. All payments go through verified banking channels with multi-factor authentication. BILL is SOC 1 and SOC 2 Type II certified, and undergoes regular third-party security audits. The approval workflow system itself serves as a financial control, ensuring no payment goes out without proper authorization. BILL also offers fraud detection features that flag unusual payment patterns or vendor banking changes.
Starting at $49 /month
Try BILL Free →
Affiliate link
Try BILL Free →
Affiliate link