Bill.com vs Checkout.com

Compare Bill.com and Checkout.com on pricing, features, platforms, and ratings — both Payments tools, Subscription (per user, per month) vs Usage-based…

At a Glance

 Bill.comCheckout.com
Primary categoryPaymentsPayments
RatingNot documentedNot documented
Pricing modelSubscription (per user, per month)Usage-based
Starting price$49/user/month (AP & AR Essentials); Spend & Expense is free0.95% + $0.20 per transaction (European cards)
Free planYesNot documented
Free trialNot documentedNot documented
PlatformsWeb, iOS, AndroidWeb
Team collaborationNot documentedNot documented
AI featuresYesYes
Public APIYesYes

Pricing Compared

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

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

Checkout.com

Standard (European cards) — 0.95% + $0.20 per transaction Per transaction
Standard (non-European cards) — 2.90% + $0.20 per transaction Per transaction
Enterprise — Custom (interchange + markup) Custom

Pros & Cons

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

Checkout.com

Pros

  • Direct card network membership across Visa, Mastercard, and other networks in many markets
  • Interchange++ pricing offers more fee transparency than blended-rate processors
  • Single API covering payments, issuing, identity verification, and fraud prevention
  • Built for global, multi-currency, high-volume enterprise operations

Cons

  • Enterprise pricing is not fully public and requires a sales conversation for an accurate quote
  • Primarily designed for larger merchants; may be more than smaller businesses need
  • Integration and onboarding can be more involved than plug-and-play payment providers
  • Standard flat-rate pricing for non-European cards is higher than some competitors

Use Cases

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.

Checkout.com

  • Global enterprise ecommerce — Large online retailers use Checkout.com to accept payments across multiple currencies and card networks worldwide.
  • Marketplaces and platforms — Multi-sided marketplaces use Checkout.com's payments and payouts APIs to collect from buyers and disburse to sellers.
  • Fraud and risk management — Merchants use Fraud Detection Pro and Intelligent Acceptance to reduce chargebacks while maximizing approval rates.

Read the full Bill.com review · Read the full Checkout.com review