What is BILL?
BILL (formerly Bill.com) is a finance platform for accounts payable (AP), accounts receivable (AR), and spend and expense management with cards. It lists AI agents for invoice coding, receipt capture and matching, and W-9 collection, and runs as a web app with a mobile app for Spend & Expense.
Who it's for
BILL lists plans from small businesses to larger organizations, plus partner plans and an Accountant Console for accounting firms. Higher tiers add custom approval policies, SSO, multi-entity accounting, procurement, and sync with larger ERP systems.
Pros & cons
Strengths
- BILL lists AI features for invoice reading and multi-line coding, receipt matching, a W-9 agent, unusual-bill alerts, and an AI governance hub with on/off controls and an audit log of AI actions.
- BILL says you review, edit, or undo AI invoice suggestions before finalizing the bill, and that a team still approves W-9 information.
- Team and above list automatic two-way sync with QuickBooks Online, QuickBooks Pro/Premier, and Xero; Enterprise adds QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica, and Rillet.
- Spend & Expense is listed at $0 per user per month with physical and virtual cards, budgets, real-time transaction tracking, reimbursements, AI receipt capture, rewards, a mobile app, and an API.
- BILL's April-June 2026 update post says the Transaction Agent is available to all Spend & Expense customers and the Invoice Coding Agent launched in February, with no new plans or price tiers announced.
- Accountant partners are listed with a $0 Spend & Expense Partner plan, an AP & AR Partner plan at $49 a month, and priority live chat and phone support.
Limitations
- AP & AR plans are paid and priced per user. BILL says a free trial is available "in most cases" and lists no free AP & AR plan; no trial is stated for Spend & Expense.
- Essentials uses manual CSV import and export and lists no AI bill coding, custom roles, or cash flow forecasting. Procurement is an add-on on Essentials and Team, and its price is not listed.
- Per-transaction fees apply on top of the plan: for example $0.59 for ACH, $1.99 for a mailed check, 2.9% for card payments, $11.99 for Pay Faster ACH, and 1.0% for instant payment ($9.99 minimum, $100 maximum).
- Spend & Expense credit lines of $1,000 to $5M are not guaranteed and depend on approval. BILL's terms say service fees are non-refundable except at BILL's discretion, fees can change with notice, and subscriptions renew automatically each billing cycle.
- BILL's pricing pages disagree with themselves: they do not say whether AP & AR prices are billed annually or monthly, show the vendor network as both "+4M" and "8M+", and describe phone support as available on all plans while premium phone support is listed for Enterprise only.
Plans and pricing
- Spend & Expense: $0. Per user per month. Cards, budgets, expense tracking, reimbursements, AI receipt capture. Credit lines of $1,000 to $5M are not guaranteed.
- Essentials (AP & AR): $49 per user per month. Manual CSV sync with QuickBooks and Xero, standard approval policies, 6 standard user roles, API access. Procurement is an add-on.
- Team (AP & AR): $65 per user per month. Adds automatic two-way QuickBooks and Xero sync, AI multi-line bill coding, custom user roles, and cash flow forecasting for QuickBooks Online users. Procurement is an add-on.
- Corporate (AP & AR): $89 per user per month. Adds custom approval policies, approver-only discounts, SSO, multi-entity accounting, and procurement.
- Enterprise (AP & AR): Custom pricing. Adds sync with QuickBooks Enterprise, NetSuite, Sage Intacct, Dynamics, Acumatica, and Rillet, plus dual control, 3-way matching, and premium phone support.
- AP & AR Partner (accountants): $49 a month. Includes AP and AR with wholesale client pricing and a further 10-20% client discount by clients onboarded. Enterprise tier price is not listed. Accountant Console is also listed at $49 a month.
Prices were read from BILL's official pricing pages (the main page and the accountants page). The pages list AP & AR prices per user per month but do not state whether they are billed annually or monthly, and amounts are in US dollars; confirm on the live pricing page. The Enterprise price and procurement add-on price are not published.
Details checked October 2026 against the vendor's own pages. Prices and limits change, so confirm before you buy. Official pricing page ↗
Sources
This profile was compiled from these public pages. We have not run hands-on tests.
BILL — at a glance
BILL (formerly Bill.com) is a finance platform for accounts payable (AP), accounts receivable (AR), and spend and expense management with cards. It lists AI agents for invoice coding, receipt capture and matching, and W-9 collection, and runs as a web app with a mobile app for Spend & Expense.
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