Compare Bill.com and Recurly on pricing, features, platforms, and ratings — both Payments tools, Subscription (per user, per month) vs Tiered subscription…
At a Glance
Bill.com
Recurly
Primary category
Payments
Payments
Rating
Not documented
Not documented
Pricing model
Subscription (per user, per month)
Tiered subscription combining a base platform fee with a percentage of billing volume; higher tiers require a 1 million dollar minimum annual billing volume, with custom enterprise pricing available.
Starting price
$49/user/month (AP & AR Essentials); Spend & Expense is free
$249/month plus 0.9 percent of billing volume (Starter plan, first $40,000 in monthly volume included)
Free plan
Yes
Not documented
Free trial
Not documented
Yes
Platforms
Web, iOS, Android
Web
Team collaboration
Not documented
Not documented
AI features
Yes
Yes
Public API
Yes
Yes
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
Recurly
Starter — $249/month + 0.9% of billing volume Monthly
All-Access — Under 1% of billing volume (minimum $1M annual billing volume) Annual
All-Access for Shopify — Under 1% of billing volume Annual
Engage (add-on) — From $1,600/month Annual
RevRec (add-on) — From $850/month Annual
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
Recurly
Pros
Mature, well-established platform founded in 2009 with enterprise-grade reliability
Strong churn-prevention and dunning tooling built into the core product
Dedicated Shopify-focused subscription commerce plan
Add-on products (Engage, RevRec) extend beyond core billing into retention and revenue recognition
Broad payment method and gateway support for global billing
Cons
Percentage-of-billing-volume pricing can get expensive as revenue scales
All-Access tier requires a 1 million dollar minimum annual billing volume
Pricing is not fully self-serve or transparent for higher tiers and requires a sales conversation
Engage and RevRec are priced and sold separately from core billing
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.
Recurly
Mid-market SaaS subscription billing — Automating recurring invoicing, plan changes, and dunning for growing SaaS companies.
Shopify subscription commerce — Launching and managing subscribe-and-save or membership products on Shopify.