BILL review

BILL is the best known AP platform for small and mid-sized businesses, and it bundles accounts receivable into the same per-user subscription. Every plan includes bill entry, a centralized inbox for vendor bills, approval workflows and payments by ACH, virtual card or credit card, plus invoicing with automated payment reminders. The plan you need depends on your ledger: Essentials at $49 per user per month moves data to accounting software by CSV, while Team at $65 adds automatic 2-way sync with QuickBooks Online, QuickBooks Pro, Premier and Xero. Corporate at $89 adds custom approval policies, custom user roles, the W-9 Agent and AI multi-line bill coding, plus discounts for approver-only users. BILL lists payment fees on the same page, including $0.59 for ACH from a bank or BILL balance, $1.99 for a mailed check and free virtual card payments. The network of more than 4 million vendors means many suppliers are already set up to receive payments.

Who it is for

Small and mid-sized businesses and their accountants who want AP and AR in one per-user subscription.

Price

Essentials $49 per user per month; Team $65; Corporate $89; Enterprise custom.

Essentials $ 49 user/ month
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Centralized bill inbox and easy bill entry on every plan
• Approval workflows on all plans, with custom approval policies on Corporate
• Pay by ACH, virtual card, credit card and more
• Automatic 2-way sync with QuickBooks Online and Xero from Team
• W-9 Agent and AI multi-line bill coding on Corporate

Strengths and weaknesses

• Strength: AP and AR invoicing are included in the same subscription
• Strength: Connects to more than 4 million vendors on the BILL network
• Strength: Virtual card payments to vendors are free
• Weakness: No free plan, and every user is a paid seat
• Weakness: Essentials syncs with accounting software only by CSV import and export
• Weakness: Per-payment fees apply, such as $0.59 per ACH and $1.99 per check

Key facts

• Entry plan: Essentials, $49 per user per month
• 2-way accounting sync: From Team, $65 per user per month
• Free trial: Available in most cases

Where it ranks

BILL is No. 2 in our Best Accounts Payable Software verdict.