BILL is a publicly traded financial operations platform unifying AP, AR, spend/expense management, and business credit for SMBs, using AI agents to automate vendor W-9 collection and multi-line invoice coding. Founded in 2006 by René Lacerte, it went public in 2019, acquired Divvy and Invoice2go, and now serves ~500,000 businesses and 9,500+ accounting firms, processing $345B in annual payment volume with plans starting at $49/user/month.

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

BILL

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Added By Caroline Zhang