BILL
Automates paying and getting paid — it reads invoices, routes approvals, and syncs with your accounting software so you stop entering bills by hand.
What it costs
| Tier | Price | For | Includes |
|---|---|---|---|
| Spend & Expense | $0/user/month | Any business wanting corporate cards and expense tracking at no cost. | Corporate cards, budgets, expense tracking, receipt capture, AI-powered expense coding, and reimbursements. |
| Essentials | $49/user/month | Businesses needing basic accounts payable and receivable automation. | Bill entry, approval workflows, ACH/card/check payments, a centralised inbox, AI invoice coding, and vendor network access. |
| Team | $65/user/month | Growing teams that want accounting software kept in sync automatically. | Everything in Essentials, plus automatic two-way sync with QuickBooks and Xero, and custom user roles. |
| Corporate | $89/user/month | Established companies managing AP, AR and procurement together. | Everything in Team, plus custom approval policies and procurement tools — purchase orders, matching, and tolerance rules. |
| Enterprise | Custom pricing, arranged with sales | Large, complex organisations needing enhanced security across entities. | Two-way sync with NetSuite, Sage Intacct and Microsoft Dynamics, SSO, dual control, multi-entity accounting, and API access. |
Read from BILL's own pricing page on 25 Sep 2026. Vendors change prices without notice.
Where it breaks
BILL runs two genuinely separate products under one brand — Accounts Payable & Receivable, and Spend & Expense (corporate cards). They're priced and sold independently, and the free Spend & Expense tier does not include the AP/AR bill-entry and approval features; check which one you actually need before assuming the free tier covers both.
Browser-based, with QuickBooks Online, QuickBooks Desktop, Xero and NetSuite as the main accounting-software integrations. US-focused; international payment support is narrower than domestic ACH/check coverage.
First entry in this reference. There is no previous check to compare it against.
BILL exists to remove the part of running a small business that nobody enjoys: typing invoice numbers into a spreadsheet, chasing approvals over email, and manually keying payments into accounting software. It reads incoming invoices with AI-assisted OCR well enough to auto-code most of them, routes them through an approval chain you define, and pays vendors without someone re-entering the same numbers a second time in QuickBooks.
The free Spend & Expense tier — corporate cards and expense tracking — is a genuinely separate product from the paid Accounts Payable & Receivable tiers, and it’s easy to sign up for the free half assuming it covers bill payment too. It doesn’t. If invoice processing and vendor payment is the actual need, budget for Essentials at minimum.
What the AI layer is doing
The coding is the meaningful automation here: an invoice arrives, BILL reads the vendor, amount and line items, and proposes the accounting category before a human confirms it. Over time this reduces to spot-checking rather than data entry — the kind of background automation that runs continuously rather than only when explicitly asked.
Against the alternatives
Against Ramp, the emphasis flips: Ramp is a card program with AP features layered on, while BILL is AP/AR-first with a card product layered on. A business whose main friction is “we have too many invoices to key in by hand” fits BILL more directly; one whose main friction is “we have no visibility into card spend” fits Ramp more directly. Many businesses eventually use pieces of both rather than picking one exclusively.
Get BILL
Buying the tool is not the hard part.
The ebook is about what to hand over, in what order, and how you find out when it goes wrong. One payment, no subscription.