BILL vs Recurly

Compare BILL and Recurly on pricing, features, platforms, and ratings — Freemium vs Tiered subscription combining a base platform fee with a percentage of…

At a Glance

 BILLRecurly
Primary categoryFinancePayments
RatingNot documentedNot documented
Pricing modelFreemiumTiered 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 priceNot documented$249/month plus 0.9 percent of billing volume (Starter plan, first $40,000 in monthly volume included)
Free planYesNot documented
Free trialYesYes
PlatformsWeb, iOS, Android, Mobile AppWeb
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

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

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

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

  • 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.
  • Enterprise revenue recognition compliance — Automating multi-GAAP-compliant revenue recognition for complex subscription contracts.

Read the full BILL review · Read the full Recurly review