Bill.com vs nowpayments

Compare Bill.com and nowpayments on pricing, features, platforms, and ratings — both Payments tools, Subscription (per user, per month) vs 0.5% fee per direct…

At a Glance

 Bill.comnowpayments
Primary categoryPaymentsPayments
RatingNot documentedNot documented
Pricing modelSubscription (per user, per month)0.5% fee per direct crypto transaction, 1% with currency conversion, plus blockchain network fees; account signup is free, no subscription tiers.
Starting price$49/user/month (AP & AR Essentials); Spend & Expense is freeNot documented
Free planYesNot documented
Free trialNot documentedNot documented
PlatformsWeb, iOS, AndroidWeb
Team collaborationNot documentedNot documented
AI featuresYesNot documented
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

nowpayments

No individual plan breakdown documented yet.

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

nowpayments

Pros

  • Non-custodial model — funds settle straight to the merchant's own wallet
  • Broad coin support with auto-conversion
  • Flat, published fee structure (0.5% direct / 1% with conversion)
  • Ready-made checkout plugins for WooCommerce, Shopify, PrestaShop, and Magento 2 plus a documented REST API
  • Actively serves higher-risk verticals many mainstream processors decline outright

Cons

  • Operating entity incorporated in Saint Vincent and the Grenadines, a lightly-regulated offshore jurisdiction
  • No publicly disclosed subscription/volume-tier pricing — larger volumes 'may' unlock lower fees only on request
  • Quoted 0.5%/1% fees exclude underlying blockchain network/gas fees
  • Limited public detail on dispute/chargeback handling, notable given crypto payments' typical irreversibility
  • Inconsistent supported-coin counts across its own marketing pages (350+ vs 75+)

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.

nowpayments

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