BILL vs Checkout.com

Compare BILL and Checkout.com on pricing, features, platforms, and ratings — Freemium vs Usage-based pricing to decide which fits your team.

At a Glance

	BILL	Checkout.com
Primary category	Finance	Payments
Rating	Not documented	Not documented
Pricing model	Freemium	Usage-based
Starting price	Not documented	0.95% + $0.20 per transaction (European cards)
Free plan	Yes	Not documented
Free trial	Yes	Not documented
Platforms	Web, iOS, Android, Mobile App	Web
Team collaboration	Not documented	Not documented
AI features	Yes	Yes
Public API	Yes	Yes

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

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

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

Deep two-way sync with popular accounting platforms, including QuickBooks Online/Pro/Premier, Xero, NetSuite, and Sage Intacct
Combines AP, AR, expense management, and corporate cards in a single connected platform rather than separate point tools
Dedicated wholesale pricing and workflows for accounting/bookkeeping firms managing bill pay for multiple clients
Spend & Expense (corporate cards and budgeting) has no per-user fee
Established, publicly traded company (NYSE: BILL) with a large network of connected vendors and customers

Cons

Per-user pricing on AP & AR plans ($49–$89/user/month) can get expensive for larger approval teams
Procurement, multi-entity accounting, SSO, and API access are gated behind the custom-priced Enterprise tier
Free trial availability and length for AP & AR plans is not clearly disclosed upfront (site states trials are available 'in most cases')
Full ERP-level two-way sync (NetSuite, Sage Intacct, Dynamics) requires the higher Corporate or Enterprise tiers, not the entry-level plan

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

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.

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.

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