BILL vs nowpayments

Compare BILL and nowpayments on pricing, features, platforms, and ratings — Freemium vs 0.5% fee per direct crypto transaction, 1% with currency conversion,…

At a Glance

 BILLnowpayments
Primary categoryFinancePayments
RatingNot documentedNot documented
Pricing modelFreemium0.5% fee per direct crypto transaction, 1% with currency conversion, plus blockchain network fees; account signup is free, no subscription tiers.
Starting priceNot documentedNot documented
Free planYesNot documented
Free trialYesNot documented
PlatformsWeb, iOS, Android, Mobile AppWeb
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

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

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

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

  • 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 review · Read the full nowpayments review