2checkout vs Bill.com

Compare 2checkout and Bill.com on pricing, features, platforms, and ratings — both Payments tools, Custom / Contact sales vs Subscription (per user, per…

At a Glance

 2checkoutBill.com
Primary categoryPaymentsPayments
RatingNot documentedNot documented
Pricing modelCustom / Contact salesSubscription (per user, per month)
Starting priceNot documented$49/user/month (AP & AR Essentials); Spend & Expense is free
Free planNot documentedYes
Free trialNot documentedNot documented
PlatformsNot documentedWeb, iOS, Android
Team collaborationNot documentedNot documented
AI featuresNot documentedYes
Public APIYesYes

Pricing Compared

Starting price reflects the lowest paid tier, not the full cost for every team size or usage level.

2checkout

No individual plan breakdown documented yet.

Bill.com

Essentials — $49/user/month Monthly, per user
Team — $65/user/month Monthly, per user
Corporate — $89/user/month Monthly, per user
Enterprise — Custom Contact for quote
Spend & Expense — Free No subscription fee

Pros & Cons

2checkout

Pros

  • Merchant-of-record option lets a business hand off international tax, VAT, and regulatory compliance instead of managing it in-house.
  • Broad global reach, with payment processing and local payment methods across 190+ countries and territories.
  • Flexible commercial models (PSP, Merchant of Record, or a Hybrid mix by region) rather than a one-size-fits-all setup.
  • Built-in subscription/recurring billing, fraud and risk management, and reporting sit alongside payments in one platform.

Cons

  • No public pricing table — plan costs and fees are only available by signing up or talking to sales, making it hard to comparison-shop up front.
  • The brand is actively transitioning to Verifone, which can create confusion about which name/portal (2Checkout vs. Verifone) applies going forward.
  • Marketing content is enterprise/sales-oriented, with limited self-serve documentation visible outside the developer API portal.

Bill.com

Pros

  • Consolidates AP, AR, and spend/expense management in one platform
  • Strong two-way integrations with major accounting systems
  • Free Spend & Expense tier with no subscription cost
  • Dedicated accountant/bookkeeper partner program with wholesale pricing

Cons

  • Per-user subscription pricing plus per-transaction fees can add up for larger teams
  • Advanced procurement and enterprise features are gated behind higher tiers
  • Enterprise pricing is not publicly listed and requires a custom quote
  • Some payment types (checks, international, instant transfers) carry extra fees

Use Cases

2checkout

Bill.com

  • Accounts payable automation — Digitize bill capture, route approvals, and pay vendors electronically instead of using manual, paper-based processes.
  • Client AP/AR management for accounting firms — Manage bill pay and invoicing across multiple clients from one dashboard with wholesale pricing.
  • Corporate card and expense control — Issue virtual/physical cards, set budgets, and automate expense tracking without a subscription fee.

Read the full 2checkout review · Read the full Bill.com review