Finance & Accounting · Review · Updated 17 October 2026
BILL reviewAP, AR and free spend management with corporate cards for US businesses
Excellent
Brent score, out of 5
BILL is one of the most complete finance automation suites for US small and mid-sized businesses. Spend & Expense with the BILL Divvy Card costs nothing in software fees, while AP and AR start at $49 per user per month plus per-payment fees. It earns its price when bills and approvals pile up, but the per-user cost and transaction fees add up for larger teams.
Price
Spend & Expense $0; AP/AR from $49/user/month (USD)
Free option
Free plan
Best for
US small businesses paying dozens of vendor bills a month
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Best for
- US small businesses paying dozens of vendor bills a month
- Finance teams that need approval workflows and an audit trail
- Companies wanting free corporate cards with budgets and spend controls
- Accounting firms managing AP for several clients
Skip it if
- Businesses outside the US, since cards and payments are US-focused
- Very small businesses paying a handful of bills a month
- Teams that want AP and AR without per-transaction fees
Paying bills by hand is slow and risky. Invoices arrive in different inboxes, someone has to chase approvals, checks go missing, and then the same data gets typed into the accounting system again. Meanwhile employees put company spending on personal cards and wait weeks to be repaid.
BILL tackles both sides. Its AP and AR plans automate bill capture, approvals and payments, with sync to QuickBooks, Xero and larger ERPs. Its Spend & Expense product, with the BILL Divvy Card, gives your team corporate cards with budgets and receipt capture for no software fee.
Below is what each part costs, which fees to expect, and when BILL is worth it.
What is BILL?
BILL is a US financial operations platform. AP (accounts payable) lets you capture bills, code them with AI, route them for approval and pay vendors by ACH, check, card or international wire. AR (accounts receivable) sends invoices and collects payments. Spend & Expense issues physical and virtual BILL Divvy Cards, sets budgets and limits, captures receipts with AI and handles reimbursements. Cards may be issued by bank partners of Divvy Pay, LLC, and credit lines depend on approval.
Pros and cons
What we like
- Spend & Expense has no subscription or per-user software fee
- Credit lines from $1,000 to $5M, subject to approval
- Unlimited physical and virtual cards with budgets and controls
- Team plan adds 2-way sync with QuickBooks Online and Xero plus AI bill coding
- Virtual card payments and international FX payments carry no BILL fee
- Live chat and phone support on all plans
What could be better
- AP/AR is priced per user, from $49 to $89/user/month before Enterprise
- Per-payment fees apply, such as $0.59 per ACH and $1.99 per mailed check
- Essentials has only CSV import and export, not automatic accounting sync
- Custom approval policies need Corporate at $89/user/month
Overall
Excellent
- Features4.6
- Ease of use4.2
- Value4.0
- Support4.1
Key features of BILL
Bill capture and AI coding
Bills come in and BILL extracts the details. Team and above add AI multi-line bill coding, which saves time on long invoices.
Approval workflows
Standard approval policies are on every plan. Corporate adds custom policies and discounts for approver-only users, and Enterprise adds dual control.
Accounting sync
Team and Corporate sync both ways with QuickBooks Online, Pro, Premier and Xero. Enterprise adds QuickBooks Enterprise, NetSuite, Sage Intacct and Microsoft Dynamics.
Flexible vendor payments
Pay by ACH, mailed check, virtual card, instant payment or international wire. Virtual card payments and international FX transfers have no BILL fee, with exchange rates disclosed.
Spend & Expense with Divvy Card
Issue unlimited physical and virtual cards tied to budgets. Employees categorize purchases themselves and AI matches receipts to transactions.
Procurement
Corporate and Enterprise include purchase requests, POs, tolerance rules and 2-way matching with unlimited free requesters. It is an add-on for Essentials and Team.
BILL pricing
Checked 2026-10. Prices can change; confirm on BILL Holdings’s site.
Spend & Expense
$0/user/month
no software fee
- Corporate cards with credit lines $1,000-$5M (approval required)
- Budgets and spend controls
- AI receipt capture and reimbursements
Essentials
$49/user/month
USD, per user
- AP and AR
- CSV import/export with accounting software
- Standard approval policies
Team
$65/user/month
USD, per user
- 2-way sync with QuickBooks Online and Xero
- AI multi-line bill coding
- Custom user roles
Corporate
$89/user/month
USD, per user
- Custom approval policies
- Procurement and POs included
- Cash flow forecasting for QuickBooks Online users
Enterprise
Check current pricing
custom, demo required
- NetSuite, Sage Intacct, Dynamics sync
- Multi-entity, SSO, API
- Premium phone support
Watch out: Subscription prices exclude payment fees: ACH is $0.59, a mailed check $1.99, instant payment 1% ($9.99 minimum), and international USD wires $19.99.
See current BILL pricing →What people use BILL for
Construction subcontractor payments
A builder receives 150 supplier bills a month. With BILL Team, bills sync to QuickBooks Online, the project manager approves on mobile, and vendors are paid by ACH without printing checks.
Replacing employee reimbursements
A 20-person agency gives each staff member a virtual Divvy card with a monthly software and travel budget, so no one pays out of pocket and receipts are matched automatically.
Accounting firm AP service
A bookkeeping firm uses the Accountant Console to run bill pay for many clients, with each client approving payments before they go out.
How to get started with BILL
- 1
Decide whether you need Spend & Expense, AP/AR, or both
- 2
Apply for Spend & Expense and set up budgets and cards if you want corporate cards
- 3
Start an AP/AR trial and connect QuickBooks Online or Xero
- 4
Add approvers, forward a few bills to your BILL inbox and run a first payment
- 5
Review fees after the first month and pick the plan your team needs
BILL alternatives
| Product | Choose it when |
|---|---|
| BILL 4.3 | US small businesses paying dozens of vendor bills a month |
| Melio4.5 | Choose it if you pay fewer bills and want simpler, lower-cost bill pay. |
| Xero4.5 | Choose it if you want accounting software with built-in bill management first. |
| Ramp | Choose it if you want corporate cards and bill pay from one spend platform. |
BILL: frequently asked questions
How much does BILL cost?+
Spend & Expense has no software fee. AP and AR plans cost $49 (Essentials), $65 (Team) or $89 (Corporate) per user per month, with Enterprise priced on request. Payment fees are extra.
Is the BILL Divvy Card free?+
BILL lists Spend & Expense at $0 per user per month with no subscription fee. The card itself is governed by a card agreement with a bank partner, so read that for any card-specific terms.
Does BILL integrate with QuickBooks and Xero?+
Yes. Team and Corporate offer automatic 2-way sync with QuickBooks Online, Pro, Premier and Xero. Essentials uses manual CSV import and export.
What are BILL's transaction fees?+
Examples from the pricing page: ACH payments $0.59, mailed checks $1.99, virtual card payments free, international FX transfers free (exchange rate applies), and international USD wires $19.99.
Does BILL have a free trial?+
BILL says AP and AR offer a free trial in most cases. Spend & Expense has no software fee, so there is nothing to trial.
Can businesses outside the US use BILL?+
BILL is built for US businesses and can pay international vendors by wire or local transfer. Check eligibility before applying if your company is not US-based.
Final verdict
Is BILL worth it?
If bills, approvals and employee spending are eating your finance team's week, BILL can take most of that work off the desk. Start with the free Spend & Expense side for cards and budgets, then trial AP to see how much time automatic sync and approvals save.
Get started with BILLAffiliate link · we may earn a commission at no extra cost to you.
Reviewed by
Amjid Ali, Founder and editor
Amjid Ali is a Melbourne-based AI and automation lead, author of five books on infrastructure, automation and digital transformation, and a corporate trainer whose courses on n8n, Proxmox, firewalls and ERP have taught thousands of IT professionals.
Last updated 17 October 2026 · How we review
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BILL 4.3
Spend & Expense $0; AP/AR from $49/user/month (USD)