Bill.com automates AP, AR, and spend management. See 2026 pricing tiers, key features, integrations, pros, cons, and FAQs for BILL.
Bill.com (now BILL Holdings, Inc., NYSE: BILL) was founded in 2006 and is headquartered in San Jose, California. The company automates back-office finance workflows, primarily accounts payable and receivable, for small and midsize businesses and the accounting firms that manage their books.
BILL went public on the NYSE in December 2019 and has since expanded from AP/AR automation into corporate card and expense management (BILL Spend & Expense) and procurement, positioning itself as a broader financial operations platform rather than a single-purpose bill-pay tool.
The AP & AR product digitizes invoice entry with AI-assisted coding, routes bills through configurable multi-step approval workflows, and pays vendors via ACH, virtual card, check, or international payment rails, while two-way syncing with accounting systems like QuickBooks, Xero, NetSuite, and Sage Intacct.
BILL Spend & Expense, offered at no subscription cost, provides corporate and virtual cards, budget controls, automated expense capture, and access to business credit lines. Higher AP & AR tiers add procurement tools such as purchase orders and two-way matching, plus enterprise features like single sign-on and API access.
BILL's AP & AR product is priced per user per month across four tiers: Essentials ($49), Team ($65), Corporate ($89), and Enterprise (custom quote). Each tier unlocks deeper accounting integrations, customization, and procurement functionality than the last.
BILL Spend & Expense carries no subscription fee and monetizes through card interchange. Regardless of plan, certain payment methods (checks, instant transfers, international payments) incur per-transaction fees on top of the subscription.
BILL's AP & AR plans start at $49/user/month for Essentials, rising to $65/user/month for Team and $89/user/month for Corporate, with custom Enterprise pricing. BILL Spend & Expense has no subscription fee.
Yes. Team-tier and higher AP & AR plans include automatic two-way sync with QuickBooks and Xero, and Enterprise supports NetSuite, Sage Intacct, and Microsoft Dynamics.
BILL Spend & Expense, the corporate card and expense management product, is free to use; the AP & AR automation product requires a paid subscription.
Bill.com was founded in 2006 and completed its IPO on the New York Stock Exchange in December 2019 under the ticker BILL.
Bill.com serves small and midsize businesses managing their own finance operations, as well as accounting and bookkeeping firms handling AP/AR for multiple clients through its partner program.