Bill.com review (2026): features, pros and cons, pricing
Per-user AP and AR automation platform that sends invoices, collects payments and syncs with QuickBooks, Xero and NetSuite.
Verdict at a glance
BILL is a per-user accounts payable and receivable platform that sends invoices, collects payments and syncs with QuickBooks, Xero and NetSuite. It offers approval chains and automated reminders, and it suits finance teams that run bill pay and invoicing together.
Pros
- Scalable and centralized payment management.
- Approval workflows and audit trail for bills.
Cons
- Customer service quality.
- Difficulty integrating with some accounting systems.
- Limited international payment capabilities.
What is Bill.com?
Per-user AP and AR automation platform that sends invoices, collects payments and syncs with QuickBooks, Xero and NetSuite. It is built for finance teams that run both bill pay and invoicing in one tool with approval chains and small and mid-size companies on QuickBooks Online or Xero that want 2-way sync. Bill.com was founded in 2006 and is based in San Jose, US.
Category: Invoicing Software
Bill.com key features
| Feature | What we found |
|---|---|
| Recurring invoices and subscriptions | Recurring invoices listed explicitly on Corporate and Enterprise; Essentials and Team list 'send invoices flexibly' only. |
| Online payment acceptance | Card 2.9% and ACH $0.59 on received payments; instant transfer 1.25% ($1 min) |
| Automated payment reminders | Automated payment reminders on all plans. |
| Accounting integration | 2-way sync QuickBooks Online/Pro/Premier and Xero from Team; NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise on Enterprise; Essentials is CSV only. |
| Time and expense billing | No billable-time invoicing found; separate BILL Spend & Expense product covers expenses. |
| Reporting and aging | Cash flow forecasting from Team (QBO users); full reporting detail not confirmed by the vendor. |
Bill.com pricing
Bill.com charges per user per month plus per-transaction fees. Essentials is $49 with manual CSV import and export, standard approval policies and 6 standard roles. Team is $65 and adds automatic 2-way sync with QuickBooks Online and Xero, custom roles and approval workflows. Corporate is $89 with custom approval policies, SSO and procurement included. Enterprise is quoted and adds NetSuite, Sage Intacct, Dynamics, dual control and premium phone support. Procurement is an add-on on Essentials and Team. Other fees include Pay Faster ACH at $11.99 and an international USD wire at $19.99.
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Essentials | $49 | user/month | Manual CSV import/export, standard approval policies, 6 standard roles, automated payment reminders |
| Team | $65 | user/month | Automatic 2-way sync with QuickBooks Online/Pro/Premier and Xero, custom roles, approval workflows |
| Corporate | $89 | user/month | Recurring invoices listed explicitly, custom approval policies, SSO, procurement included |
| Enterprise | Custom | quote | Adds NetSuite, Sage Intacct, Dynamics, dual control, premium phone support |
Trial described as 'available in most cases', length not stated. Transaction fees are separate: receiving by ACH $0.59, card 2.9%, instant transfer 1.25% ($1 min); paying by ACH $0.59, check $1.99. BILL Spend & Expense (corporate cards) is $0 per user per month. Billing period and annual discount not stated on the pricing page.
Who Bill.com is best for
Best for
- Finance teams that run both bill pay and invoicing in one tool with approval chains.
- Small and mid-size companies on QuickBooks Online or Xero that want 2-way sync.
Not ideal for
- Freelancers who only need to send a few invoices (starts at $49 per user per month)
- Companies needing many international payment options (reviewers complain about this)
Bill.com alternatives
FreshBooksFreelancers and service businesses billing a limited number of clients.
QuickBooks OnlineSmall businesses that work with an outside accountant who already uses QuickBooks.
XeroTeams that need unlimited users without per-seat cost.
Zoho InvoiceFreelancers and micro businesses that want free invoicing.
RampCompanies that want cards, expenses and AP in one tool and are fine adopting its card.
HarvestAgencies and consultancies that bill clients by the hour from tracked time.
What Bill.com really costs
- Per seat per month
- $65 (Team, lowest plan with automatic QuickBooks/Xero sync); $49 on Essentials (manual CSV)
- Billing
- Not stated on pricing page.
- 20 users per year
- $15,600 per year on Team (20 x $65 x 12); $11,760 on Essentials (20 x $49 x 12); excludes payment fees.
Add-ons and extras to budget for
- Procurement (add-on on Essentials and Team)
- Pay Faster ACH $11.99, instant payment 1.0% ($9.99 min, $100 max)
- International USD wire $19.99.
Questions to ask about price
- Is there a minimum number of seats or a minimum annual spend?
- What is the discount for annual billing, and can we start monthly?
- How much can the price rise at renewal, and is the increase capped in the contract?
- Are there one-time costs for implementation, onboarding or data migration?
Is Bill.com worth the price?
Bill.com is good value for finance teams that run bill pay and invoicing in one tool with approval chains, and for small and mid-size companies on QuickBooks Online or Xero that want 2-way sync. It gets expensive as users and payment volume grow: 20 users cost $11,760 per year on Essentials or $21,360 on Corporate before fees. It is awkward for freelancers and for companies needing many international payment options.
Worth it if
- Finance teams that run both bill pay and invoicing in one tool with approval chains.
- Small and mid-size companies on QuickBooks Online or Xero that want 2-way sync.
Look elsewhere if
- Freelancers who only need to send a few invoices (starts at $49 per user per month)
- Companies needing many international payment options (reviewers complain about this)
Cheaper per seat than Bill.com
- Xero$0 per user (no per-user license fees per vendor page)
- Harvest$9 (Teams, billed annually) or $11 monthly.
- FreshBooks$11 per extra team member per month.
- Ramp$15 per user per month on Plus (plus platform fee by team size, amount not published)
Pricing details most reviews leave out
- Per-user pricing: a 20-user team on Team costs $15,600 per year at the listed monthly rate ($65 x 20 x 12), before payment fees.
- Only Corporate and above show SSO in the plan comparison table; the security page does not mention SSO.
- Automatic QuickBooks/Xero sync starts at Team ($65); Essentials is manual CSV.
- AR receiving fees apply on top of seats: $0.59 per ACH, 2.9% per card.
- Procurement is an add-on on Essentials and Team, included on Corporate.
Our verdict on Bill.com
Bill.com, now branded BILL, is a per-user accounts payable and receivable platform, and it is not cheap for small teams. Essentials is $49 per user per month, Team is $65, Corporate is $89, and Enterprise is custom. G2 gives it 4.5 out of 5 across 3,985 reviews. Freelancers who send only a few invoices will find the entry price steep.
Seats are only part of the bill. Receiving payments costs $0.59 per ACH, 2.9% per card or 1.25% for instant transfer ($1 minimum), and paying costs $0.59 by ACH or $1.99 by check. A 20-user team on Team costs $15,600 per year before fees. Automatic QuickBooks and Xero sync starts at Team, so Essentials means manual CSV work. The pricing page does not state billing period or annual discount.
Bill.com FAQ
What is Bill.com used for?
BILL is a per-user accounts payable and receivable platform that sends invoices, collects payments and syncs with QuickBooks, Xero and NetSuite. It offers approval chains and automated reminders, and it suits finance teams that run bill pay and invoicing together. It suits finance teams that run both bill pay and invoicing in one tool with approval chains.
Does Bill.com have a free plan?
No free plan is listed. A free trial is described as available in most cases, but its length is not stated. The lowest plan is Essentials at $49 per user per month.
How much does Bill.com cost for 20 users?
At the listed monthly rate, 20 users cost $11,760 per year on Essentials, $15,600 on Team and $21,360 on Corporate. These figures exclude payment fees such as $0.59 per ACH.
What payment fees does Bill.com charge?
Receiving by ACH is $0.59, by card 2.9% and instant transfer 1.25% with a $1 minimum. Paying by ACH is $0.59 and by check $1.99. These come on top of the per-user fee.
About Bill.com
- Founded
- 2006.
- Headquarters
- San Jose, US.
- Employees
- About 2,187 (Wikipedia, 2024 figure; third-party sites list 2,364 unconfirmed)
- Funding or owner
- Public company (NYSE: BILL); FY2026 revenue $1,653.2M per company 8-K.
Listed in: Invoicing Software
Sources
Every fact on this page comes from Bill.com's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.