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AP, AR, and payments

BILL

AP and AR automation for accounting firms and their clients.

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Overview

With over 400,000 businesses using the platform, BILL handles the full AP and AR cycle for US small and mid-sized accounting firms and their clients: capturing invoices, routing approvals, and paying bills by ACH, card, or check. On a typical day, BILL sits between a client's email inbox and their general ledger. A vendor invoice arrives by email or paper scan. BILL reads it, drops it into an approval queue, and pings the right reviewer. Once approved, the payment goes out by ACH, card, or check, and the transaction posts straight back to QuickBooks, Xero, NetSuite, Sage Intacct, or Microsoft Dynamics with no re-keying. Every sign-off is logged, so the audit trail is already there when month-end arrives.

The AR side runs the same loop in reverse. Firms send branded invoices with a payment link, customers pay online, and cash applies to the ledger without a manual journal.

Sync behavior shifts by tier. On Essentials ($49 per user per month) you push data to the ledger by hand. Team ($65) switches it to automatic two-way for QuickBooks Online and Xero. Corporate ($89) adds procurement and custom approval policies. Enterprise covers multi-entity and deeper ERP work. The free Spend and Expense tier handles corporate cards and expense tracking, funded through interchange rather than a monthly fee. Per-payment fees sit on top of every subscription: $0.59 per ACH transfer, $1.99 per mailed check, $19.99 per international USD wire (FX wires carry no fee but include an exchange-rate margin), and 1 percent for instant payments with a $9.99 minimum and $100 maximum.

Time saved on a busy AP day usually comes from two places: not opening every PDF to type the header data, and not switching tabs to post the journal once the invoice is paid. The accountant partner program adds a management console for client oversight and wholesale pricing with a 10 to 20 percent discount based on volume. A free trial covers AP and AR plans. BILL is available in the US.

Key facts

Starting price
$49 per month
Pricing model
Per user
Free trial
Yes
Free tier
Yes
Deployment
Cloud, Mobile
Geography
US
Founded
2006
Support
Phone, Chat, Email, Knowledge Base
Languages
English
Works with
Quickbooks, Xero, Netsuite, Sage, Microsoft Dynamics
Last checked
2026-08-31

Pros and Cons

Pros

  • US firms running QuickBooks, Xero, NetSuite, or Sage Intacct that need to automate AP across multiple clients.
  • Bookkeeping practices that want a free corporate-card layer alongside paid AP plans (Spend and Expense).
  • Multi-client firms that qualify for wholesale partner pricing, ten to twenty percent off based on volume.

Cons

  • Firms with clients outside the United States. BILL serves only US businesses.
  • Sole traders with only a handful of bills a month. The $49 per-user fee does not justify the volume.
  • Teams that want AI-driven line-item coding rather than rule-based approval routing.

Pricing

TierPriceBillingFeatures
Essentials$49Per user per monthBasic bill management, approval workflows, ACH and card payments, manual accounting sync.
Team$65Per user per monthAutomatic two-way sync with QuickBooks Online and Xero, custom user roles.
Corporate$89Per user per monthProcurement features, custom approval policies, discounts for approver-only users.
EnterpriseCustomCustomMulti-entity accounting, advanced ERP integrations, single sign-on, priority support.
Spend and Expense$0Per user per monthCorporate cards, budgets, expense tracking, and credit lines from $1,000 to $5M subject to approval.
Full BILL pricing breakdown, with plan-by-plan sources

Compare BILL head to head

Side by side on pricing, integrations and fit, from the same checked records as this page.

Frequently asked questions

What does BILL do for a US accounting firm?
BILL handles AP automation: capturing supplier bills from email or supplier portals, routing them through approval rules, paying suppliers via ACH, check, or wire, and posting the result back to QuickBooks Online or Xero. The accountant program provides bulk client management, white-label pricing on the AR side, and a strong commission structure. Most US firms using BILL have multiple clients on the platform and earn revenue partly from BILL's accountant referral program.
How much does BILL cost?
BILL has tiered pricing starting at 49 USD per user per month for the Essentials plan and scaling to 89 USD per user per month for the Corporate plan. Per-payment fees apply on top: ACH transfers are 0.59 USD per payment, mailed checks 1.99 USD, international USD wires 19.99 USD (FX wires carry no fee but include an exchange-rate margin), and instant payments cost 1 percent with a 9.99 USD minimum and 100 USD maximum. The accountant pricing model bundles client volume differently and is meaningfully cheaper than per-client retail pricing. Year-one spend for a 3-client firm using BILL on the accountant program typically lands between 2,000 and 5,000 USD across software and per-payment fees.
Is BILL US-only?
Largely yes for the core AP product. BILL handles US domestic ACH, US wire, and US check payments natively, with international wire support for outbound payments to a long list of countries. UK, Australian, and EU domestic payment rails are not supported. UK and Australian firms looking for similar functionality typically use Tipalti, Stripe Bill Pay, or the AP features inside Xero or QuickBooks directly.
What AI features does BILL have?
AI bill capture (extracting line items from email-sent invoices), AI auto-coding against your client's chart of accounts and supplier history, anomaly detection on bill volume and amounts, and AI-assisted supplier matching. The auto-coding accuracy is high on recurring suppliers (90 percent plus) and meaningfully lower on new suppliers or unusual line items. The realistic frame is that BILL gets you to a near-correct draft your team reviews, not a hands-off process.
How does BILL compare to Stampli and Melio?
All three are US AP automation tools with different angles. BILL has the broadest accountant program and the deepest QuickBooks/Xero integrations, making it the safest pick for firms managing multiple US clients. Stampli's defining feature is keeping all bill discussion and approval activity on the bill itself rather than in a separate workflow tool, which suits clients with complex approval workflows. Melio is the simplest and free at the base tier, fit for solo bookkeepers with US clients on simpler bill volumes. Choose BILL for the accountant-program economics, Stampli for approval flow depth, Melio for free-tier economics on small clients.
Is BILL free to use?
Partly. BILL's Spend and Expense plan, covering corporate cards and expense tracking, is free per user per month. The core accounts payable automation is paid, starting at 49 USD per user per month for the Essentials plan, with per-payment fees on top for ACH, check, and wire transfers.
Does BILL offer wholesale pricing for accounting firms with multiple clients?
Yes. Firms that manage multiple clients on BILL can qualify for wholesale partner pricing, typically ten to twenty percent off standard rates depending on volume. This sits alongside the accountant program's bulk client management tools and referral commission structure.

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