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BILL is a financial operations platform for small and midsize businesses and their accountants that brings accounts payable, accounts receivable, and spend and expense management together in one place. Bills can be captured, routed for approval by company policy and paid to suppliers and vendors by check, ACH, card or international payment, and invoices can be sent once or on a recurring schedule; its spend and expense product pairs budgets and fund requests with a company card. Its AI agents collect W-9s from vendors by email and complete transactions by grabbing or generating receipts and categorizing the transaction, and on plans above the entry tier an invoice coding agent codes multi-line bills from past coding behavior. It serves hospitality businesses including restaurants and restaurant chains, franchised or single-entity, which on its higher-tier plans can manage several locations or entities, and its enterprise plan adds automated three-way matching that checks inventory received against the agreed terms, depending on the accounting software. It syncs automatically with QuickBooks Online and Xero on plans above the entry tier and with NetSuite and Sage Intacct on the enterprise plan, and its accounts payable and receivable plans are priced per user per month, with a free trial in most cases, a spend and expense product with no subscription or per-user fees, and per-transaction fees on some payment types.

Financial Operations Platform for Businesses & Firms

Key features

  • AI-enhanced Accounts Payable: automated bill entry, multi-line GL coding (Invoice Coding Agent), vendor W-9 collection (W-9 Agent)
  • Accounts Receivable: custom invoices, payment status tracking, automated reminders, auto-charge/auto-pay
  • Spend & Expense (Divvy): free corporate cards, budget controls, AI-powered expense/receipt matching, $1K-$5M credit lines
  • Multiple payment rails: ACH, check, virtual card, credit card, international FX wire/transfer
  • Procurement: purchase requests/orders, tolerance rules, automatic 2- and 3-way matching
  • Accountant Console: single console for managing many client entities and reselling AP/AR services
  • 2-way accounting sync: QuickBooks, Xero, NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica
  • Cash Flow Forecasting for QuickBooks Online users

Strengths

  • Massive, established scale as a public company: ~500,000 businesses, 9,500+ accounting firm partners, $345B annual payment volume
  • Deep accounting-industry penetration: 98 of the top 100 US accounting firms partner with BILL
  • Genuinely free spend management tier ($0/user/month) alongside paid AP/AR subscriptions
  • Broad, deep 2-way ERP sync across major accounting platforms
  • Long, proven operating history since 2006 with a 2019 NYSE IPO and major acquisitions (Divvy, Invoice2go, Finmark)
  • Transparent, fully published per-user pricing with a clear feature comparison across tiers

Best for

  • Small business owners wanting to automate AP, AR, expense management, and access business credit in one platform
  • Midsize companies needing custom approval policies, multi-entity accounting, and API access
  • Accounting and bookkeeping firms managing many clients through the Accountant Console with resale pricing
  • Finance teams wanting AI-automated vendor W-9 collection and multi-line invoice coding
  • Construction, healthcare, hospitality, nonprofit, education, retail, and manufacturing businesses with named industry solutions
  • Wealth management firms needing to manage high-net-worth client billing and payments with confidence

Integrations

  • QuickBooks Online (native, deep, system)
  • Xero (native, deep, system)
  • Oracle NetSuite (native, deep, system)
  • Sage Intacct (native, deep, system)
  • Slack (native, basic, tool)
  • Microsoft Dynamics (native, deep, system)

Pricing

  • USD 49 / month

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