BILL Pricing Reviews for 2025
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BILL Pricing
BILL pricing starts at $45 per user/month for the Essentials plan and scales up to $89 per user/month for Corporate, with a custom Enterprise tier for larger companies.
The platform also offers a free Spend & Expense plan for managing corporate cards and budgets, plus special partner pricing for accountants. Each plan builds on the last with more automation, integrations, and control.
Whether you’re a small business or a large enterprise, BILL helps automate payables, receivables, and expenses while keeping everything audit-ready and compliant, all in one secure financial operations hub.
BILL Plans
Essentials
For Business
- Enter and approve bills in one dashboard
- Pay vendors via ACH, card, or check
- Create and send invoices
- Automate payment reminders
- Connect with 4M+ vendors on the BILL network
- Access 6 predefined user roles
- Manual integration via CSV with QuickBooks or Xero
Team
For Business
- Everything in Essentials
- Automatic 2-way sync with accounting software
- Custom user roles and permissions
- Real-time data sync to prevent duplicates
- Cash flow forecasting (for QuickBooks Online)
- Approval workflows and recurring invoices
Corporate
For Business
- Everything in Team
- Custom approval policies
- Procurement tools (POs, purchase requests, tolerance rules)
- Unlimited document storage
- Discounts for approver-only users
- Free unlimited purchase requesters
Enterprise
For Business
- Everything in Corporate
- 2-way sync with NetSuite, Sage Intacct, and Microsoft Dynamics
- Dual control and single sign-on (SSO)
- Multi-entity, multi-location accounting
- API access and priority support
Spend & Expense
For Business
- Free spend and expense management software
- Corporate cards (physical and virtual)
- Credit lines from $1,000–$5M (subject to approval)
- Real-time transaction tracking and receipt matching
- Budget controls, reimbursements, and mobile app
- Flexible card rewards
BILL AP & AR Partner
For Accountants
- Manage multiple client accounts
- Wholesale pricing for client subscriptions
- 10–20% client discount tiers
- Centralized AP/AR dashboard
- Separation of duties and approval control
BILL Spend & Expense Partner
For Accountants
- Free access for firms and clients
- Expense automation and budget oversight
- Unlimited cards, budgets, and spend reports
- API and developer tools
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BILL vs. Similar Products
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Compare Selected SoftwareIs BILL Worth It?
Sentiment Split
bill posts bills and marks them paid with clean audit trail.
multi-step approvals without hacking together emails.
so many vendors already on bill, onboarding is trivial.
snap invoice, it reads fields way better than our old tool.
paid a uk contractor via ach-equivalent and it just worked.
maker/checker enforced, auditors loved it.
switching subsidiaries is easy, interco stays tidy.
nice 1099 export and who approved what is crystal.
got rebates using v-cards on certain vendors.
we don’t print checks anymore; bill mails them.
api plus zapier closed the gaps we had.
divvy cards + bill ap gave us one view of spend.
keeps creeping up per user and per txn.
mailed check took a week; vendor got cranky.
new approvers get lost; ui has too many paths.
fx spread + fees beat us up vs wise.
voiding a check payment took multiple calls.
features gated behind ‘spend & expense’ upsell.
Editorial Review: BILL Pricing Deep Dive
Table of Contents
BILL is one of the leading solutions for automating accounts payable (AP), accounts receivable (AR), procurement, and expense management. With distinct pricing tiers for both businesses and accountants, it caters to every segment, from startups and small companies to multi-entity enterprises.
In this expert review, we’ll cover every detail about BILL pricing plans, features, and transaction fees, along with Tekpon’s editorial perspective on who gets the most value from each plan.
📌 Quick Summary
- Pricing starts at: $45 per user/month
- Free plan: Yes, Spend & Expense plan ($0/month)
- Free trial: Not listed
- Number of plans: 4 for businesses + 2 for accountants
- Additional fees: Yes, transaction and processing fees apply
- Best for: Businesses automating AP/AR, accountants managing multiple clients, and teams needing unified spend control
BILL pricing is transparent but layered, each plan builds on the previous one with automation depth, integration range, and audit controls.
🧾 BILL Pricing Overview
👥 Who Each Plan Is For
💼 Essentials
$45/user/month
Perfect for small businesses just beginning to automate AP and AR. The Essentials plan handles bill entry, approvals, and payments without complex integrations. It’s designed to save time while maintaining basic structure and control.
Key Features:
- Enter and manage bills from one centralized inbox
- Automate approval workflows for bills and payments
- Pay vendors via ACH, virtual card, credit card, or check
- Connect to 4M+ vendors through the BILL network
- Create and send custom invoices
- Automate payment reminders and enable auto-charge/auto-pay
- Access up to 6 standard user roles
- Integrate manually with QuickBooks or Xero using CSV import/export
✅ Ideal for: small companies looking to replace manual payment workflows with light automation.
❌ Limitations: no real-time sync, no procurement or advanced roles.
🧩 Team
$55/user/month
The Team plan expands on Essentials by adding automatic 2-way sync with popular accounting software and custom user roles for better access control. This tier suits growing finance teams that need reliability and tighter integration between BILL and accounting systems.
Key Features:
- Everything in the Essentials plan
- 2-way sync with QuickBooks Online, QuickBooks Desktop (Pro, Premiere), and Xero
- Define custom roles and permissions beyond the six standard roles
- Create, send, and track professional invoices automatically
- Enable recurring billing and auto-pay for clients
- Access real-time data sync between systems to prevent duplicate entries
- Integrate forecasting (for QuickBooks Online users)
✅ Ideal for: small to midsize teams that need accounting synchronization and custom permissions.
❌ Limitations: procurement tools and multi-entity accounting are not included.
🏢 Corporate
$89/user/month
The Corporate plan consolidates all AP, AR, and Procurement capabilities. It’s a suitable choice for mid-sized businesses or finance departments that need deeper customization, purchase order controls, and policy-based approval workflows.
Key Features:
- Everything in the Team plan
- Custom approval policies for flexible multi-step authorization
- Access to unlimited document storage
- Discounts for approver-only users
- Integrated Procurement tools, including: Purchase request creation, Purchase order (PO) generation, Set tolerance rules for invoice matching, 2-way matching for compliance, Add unlimited purchase requesters for free
- 2-way accounting sync with QuickBooks Online, Pro, Premiere, and Xero
- Advanced AP and AR management with complete audit trails
✅ Ideal for: growing companies with procurement workflows or multiple departments needing granular approval controls.
❌ Limitations: lacks SSO, API access, and enterprise-grade integrations.
🏛️ Enterprise
Custom Pricing
The Enterprise plan is the most comprehensive tier, intended for organizations with multi-entity accounting, advanced controls, or security requirements. It includes single sign-on, dual control, and priority support, integrating seamlessly with major ERP systems.
Key Features:
- Everything in the Corporate plan
- Automatic 2-way sync with: QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics
- Dual control for enhanced approval security
- Single Sign-On (SSO) for access management
- Multi-entity and multi-location accounting capabilities
- API access for system-wide integration
- Priority support, including premium phone access
✅ Ideal for: enterprises or accounting departments handling multiple subsidiaries or international branches.
❌ Limitations: pricing is quote-based and may exceed SMB budgets.
💳 Spend & Expense
Free
The Spend & Expense plan is a free product that combines expense management, budget control, and corporate card issuance. It integrates with accounting platforms and provides a unified view of spend across departments.
Key Features:
- 100% free-to-use, with no subscription cost
- Access to credit lines between $1,000 and $5M (subject to approval)
- Issue unlimited physical and virtual corporate cards
- Track expenses in real time through the mobile app
- Set proactive spend controls and budgets
- Automate receipt matching and expense reporting
- Integrate with popular accounting software
- Earn flexible card rewards and manage credit through one dashboard
✅ Ideal for: teams seeking centralized expense visibility and automated spend controls.
❌ Limitations: FX and approval conditions may apply to credit usage.
🧮 BILL AP & AR Partner
$49/month
This plan is specifically built for accountants and accounting firms that manage multiple client accounts. It provides access to BILL’s AP and AR automation suite plus wholesale pricing, allowing firms to resell subscriptions or pass on savings.
Key Features:
- Access to both Accounts Payable and Accounts Receivable modules
- Manage AP and AR for multiple client accounts in one dashboard
- Wholesale pricing structure and 10–20% client discounts
- Ability to resell client subscriptions at margin or transfer savings directly
- Custom roles, separation of duties, and multi-client management
- End-to-end control over invoice, payment, and reconciliation workflows
✅ Ideal for: accounting firms streamlining AP/AR management across several client organizations.
❌ Limitations: depends on each client’s software environment for integration depth.
🧾 BILL Spend & Expense Partner
Free
A free plan for accountants managing clients’ corporate spending and budgets. It extends the same Spend & Expense platform to firms, enabling them to track client spend while offering advisory or outsourced finance services.
Key Features:
- Free platform access for both accountants and their clients
- Integrated spend controls and automated categorization
- Unlimited cards, budgets, and reporting tools
- Real-time expense visibility and reconciliation
- API and developer tools for firm-wide customization
✅ Ideal for: accountants advising clients on expense management and credit strategy.
❌ Limitations: client credit lines still require approval per account.
💵 Transaction Fees and Payment Costs
BILL charges simple per-user subscription fees, but transaction and payment method costs can affect your total spend. Here’s a clear breakdown:
🏦 Paying Vendors
- ACH payment: $0.59 per transaction (cheapest method)
- Mailed check: $1.99, BILL prints and mails it for you
- Virtual card: Free if accepted by the vendor
- International FX wire: Free (FX rate applies)
- International USD wire: $19.99
- Credit/debit card payment: 2.9% of transaction
Optional faster payments:
- Instant transfer: 10% fee ($9.99–$100 max)
- Pay Faster ACH: $11.99
- Pay Faster Check: $14.99–$24.99 depending on delivery speed
⚙️ Other Common Fees
- Void check: $25
- Failed ACH after payment: $50
- 1099 e-filing: $2.99 per form
- 1099 mail delivery: $1.99 per form
- Balance withdrawal (instant): 10% (min $10 fee)
- Standard withdrawals: Free
- Currency conversion: Rate shown at transaction time
💰 Receiving Payments
- ACH from BILL user: Free
- ACH from non-BILL user: $0.59
- Card payments: 2.9% (can be passed to customer)
- Mailed invoice payments: $1.99
🌍 International & Regional
Canada:
- CAD withdrawals: Free
- USD withdrawals: $19.99
UK:
- EUR/GBP payments: Free
- USD payments delivered in USD: $19.99
- USD delivered in GBP: Free
FX conversion rates are always displayed before confirmation.
✅ Quick takeaway:
🎁 Free Trial, Free Plans & Discounts
BILL provides several ways for businesses and accountants to try its products or use them at no cost before committing to a paid subscription. Although there’s no traditional time-limited free trial for the standard AP/AR plans, the company offers permanent free versions and risk-free partner programs that function as practical entry points.
💳 Free Forever – BILL Spend & Expense Plan
The BILL Spend & Expense product is completely free to use, there are no subscription or setup fees. It includes full access to:
- Corporate cards (physical and virtual) for employees
- Automated expense tracking and receipt matching
- Budget creation and real-time spend visibility
- Integrated credit lines from $1,000 to $5M (subject to approval)
- Flexible rewards and mobile access
This plan allows businesses to explore BILL’s ecosystem without cost while managing daily spend and reimbursements. Only credit usage or optional transaction fees apply, not software fees.
🤝 Risk-Free Accountant Partner Program
Accountants and finance professionals can join the BILL Accountant Partner Program risk-free, no credit card required. Partners get:
- A 30-day satisfaction guarantee (first month’s subscription waived if they choose not to continue)
- Access to both AP/AR and Spend & Expense tools
- Wholesale or discounted pricing for client accounts
- 10–20% client subscription savings based on the number of clients onboarded
- Dedicated phone support and setup assistance
This approach lets firms try BILL for client management without financial risk, while also unlocking long-term revenue potential through resale pricing.
💙 BILL for Nonprofits
BILL also supports nonprofit organizations with dedicated solutions designed to reduce manual financial work and enhance compliance. Eligible nonprofits can use BILL Accounts Payable, Accounts Receivable, and Spend & Expense to:
- Automate approval workflows and invoice tracking
- Enforce role-based permissions and separation of duties for transparency
- Manage grant or donor-related payments with accurate tracking
- Simplify audit preparation with complete payment histories
- Access spend controls for programs and employee reimbursements
BILL reports that nonprofits using its platform save up to 50% of the time previously spent on AP tasks, freeing resources to focus on their mission. While nonprofit pricing isn’t discounted by percentage on the public page, BILL often tailors offers through its sales team.
💡 Other Savings and Discounts
- Approver-only user discounts are available in the Corporate plan, helping reduce per-user costs for non-processing team members.
- Partner discounts of 10–20% apply for accountants managing multiple client subscriptions.
- Transaction fees (such as ACH and check payments) remain pay-per-use and are consistent across all plans.
✅ Quick takeaway:
🧠 Recommendation Box
⭐ Best Overall Value:
The Team plan ($55 per user/month) offers the strongest balance between price and functionality. It includes automatic two-way sync with accounting tools like QuickBooks and Xero, custom user roles, and approval workflows that suit most small to midsize finance teams. For most businesses, it delivers the right mix of automation, visibility, and integration without overpaying for enterprise-level features.
🏆 Best for Enterprises:
The Enterprise plan (custom pricing) is the ideal choice for larger organizations with complex structures or multi-entity accounting needs. It adds advanced controls such as single sign-on (SSO), dual approval security, and integrations with ERP systems like Oracle NetSuite, Sage Intacct, and Microsoft Dynamics. It’s designed for teams that require centralized control, scalability, and top-tier support.
✅ Tekpon tip:
💬 The Tekpon Takeaway
From Tekpon’s editorial perspective, BILL represents one of the most complete AP/AR ecosystems available in 2025. The company’s layered pricing model provides scalability that’s rare in financial automation tools, offering accessible entry-level automation for small businesses while still catering to enterprise-grade requirements.
The Team and Corporate plans offer the most balanced ROI. They combine automation, deep accounting integration, and flexible roles without the overhead of enterprise pricing. The Enterprise plan extends this with audit-level control and ERP compatibility, making it one of the few platforms suitable for multi-entity compliance and cross-system syncing.
The Spend & Expense plan, entirely free, is a strong complement to paid tiers and a compelling gateway for businesses testing BILL’s infrastructure. Accountants also benefit from clear Partner pricing, discounts, and resale models, an advantage over similar AP tools that focus solely on in-house use.
Still, potential users should evaluate transaction fees carefully. While competitive, frequent check payments, international transfers, or card-based transactions can impact costs. However, for teams prioritizing compliance, integration depth, and audit transparency, BILL remains a market leader in AP/AR and spend management automation.
📝 Final Summary
BILL pricing offers scalability for every business type:
- Essentials: Basic automation for small teams
- Team: Enhanced integration and control
- Corporate: Procurement and customization
- Enterprise: Multi-entity and enterprise-level security
- Spend & Expense: Free entry to BILL’s ecosystem
- Partner Plans: Dedicated options for accountants
BILL’s mix of transparency, ecosystem depth, and partner focus makes it one of the strongest financial operations platforms for businesses in 2025.
BILL Pricing Frequently Asked Questions
The cost of Bill.com varies based on the plan you select. The Essentials Plan starts at $45 per user/month, which is ideal for small businesses that need to automate their accounts payable and receivable processes. For those requiring more advanced features, the Team Plan costs $55 per user/month, and the Corporate Plan is priced at $79 per user/month. Larger organizations may need the Enterprise Plan, which offers custom pricing based on specific business needs.
Bill.com’s pricing structure is transparent and scalable, catering to businesses of all sizes. Additional transaction fees may apply depending on the payment method used.
Yes, Bill.com does charge a credit card fee. For transactions made with credit or debit cards, a 2.9% transaction fee is applied per payment. This fee is charged whether you\’re making payments or receiving them through a credit card. The fee is typically borne by the payer, although businesses may pass it on to their customers.
If you\’re handling international card payments via Visa, Mastercard, or Discover, the same 2.9% transaction fee applies, along with any exchange rate differences.
For businesses looking to reduce costs, Bill.com offers various payment alternatives, including ACH and virtual cards, which incur lower fees.
Bill.com provides multiple options for international payments. For local currency international wire transfers, there is no transfer fee, but competitive currency exchange rates are applied. However, if the payment is sent in USD, a $14.99 fee is charged per transaction. Additionally, intermediary bank fees may apply, which are outside of Bill.com’s control.
For international credit card payments using Visa, Mastercard, or Discover, Bill.com applies a 2.9% transaction fee, plus any exchange rate differences.
These options allow businesses to send payments worldwide with transparency around fees, making it easier to manage cross-border transactions.
Yes, Bill.com offers a free version called the Spend & Expense Plan for businesses. This plan includes features like automated expense management, real-time transaction tracking, and integration with everyday apps. It’s an excellent option for companies looking to manage employee expenses and corporate spending without incurring monthly subscription costs.
Additionally, accountants can access the BILL Spend & Expense Partner Plan for free, allowing them to manage client expenses and access business credit with no hidden fees. These free plans offer valuable tools for businesses and accountants, while premium features and more comprehensive services are available in the paid plans.
Yes, Bill.com charges for its services depending on the plan you choose. For businesses, the Essentials Plan starts at $45 per user/month, while more advanced plans like Team and Corporate range from $55 to $79 per user/month. There is also an Enterprise Plan available at custom pricing for larger organizations with more complex financial needs.
These plans include features like accounts payable automation, accounts receivable management, and integration with accounting software. While Bill.com has free options for expense management, most AP/AR automation services come with a monthly subscription fee, making Bill.com a cost-effective choice for businesses of all sizes.
Bill.com’s monthly subscription starts at $45 per user/month for the Essentials Plan, which includes basic accounts payable and receivable automation. For more advanced features, the Team Plan costs $55 per user/month, offering better integration with accounting software and more customizable user roles. The Corporate Plan is priced at $79 per user/month, adding features like custom approval policies and multi-location accounting.
For businesses requiring even more functionality, the Enterprise Plan offers custom pricing. Bill.com’s monthly pricing ensures flexibility for small to large businesses, with additional transaction fees based on payment methods and international transfers.
Bill.com applies transaction fees depending on the payment method used. For payments made via ACH/ePayment, the fee is $0.49 per transaction. Sending checks through Bill.com incurs a $1.69 fee, while virtual card payments are free if accepted by the vendor.
International USD wire transfers come with a $19.99 fee, while instant payments incur a 1% fee (with a minimum of $9.99 and a maximum of $100). Credit card transactions are subject to a 2.9% fee.
These fees are clearly outlined and help businesses manage their payment processing costs efficiently.
While Bill.com offers a range of paid plans for businesses, there is a free version available under the Spend & Expense Plan. This plan helps businesses manage expenses and track spending using virtual or physical corporate cards, providing features like real-time transaction tracking and automated expense management.
Accountants can also access the BILL Spend & Expense Partner Plan for free, offering them the tools to manage client expenses and provide credit to their clients.
Though limited in scope compared to the paid plans, the free options make Bill.com accessible for users needing basic financial management tools.
Bill.com offers flexible pricing tailored to the unique needs of nonprofits. For managing expenses, the BILL Spend & Expense Plan is completely free, providing features such as automated expense tracking, real-time transaction monitoring, and mobile access for easier spend management.
Nonprofits can also streamline their accounts payable (AP) and accounts receivable (AR) processes with Bill.com’s paid plans, which allow for automated approval workflows, role-based access, audit tracking, and payment management by check, ACH, credit card, or international payments.
Pricing for these AP and AR plans can vary, and nonprofits are encouraged to request a demo or sign up for a trial to explore the specific costs and features based on their needs.
About the Authors
Editor
Ana Maria Constantin
CMO @ Tekpon
Writer