Bill.com review (2026): features, pros and cons, and what to check before you buy
Per-user AP and AR automation platform that sends invoices, collects payments and syncs with QuickBooks, Xero and NetSuite.
Our take for buyers
Bill.com, now branded BILL after the company renamed itself BILL Holdings in 2023, is a shortlist candidate for finance teams that want bill pay and invoicing in one tool with approval chains. It fits small and mid-size companies on QuickBooks Online or Xero that want 2-way sync, and accountant partner programs exist. G2 reviewers value scalable, centralized payment management and approval workflows with an audit trail.
Reviewers also flag customer service quality, difficulty integrating with some accounting systems and limited international payment capabilities, which matters if you pay vendors abroad. Freelancers with a few invoices are not a fit at $49 per user per month. On governance, SSO appears only from Corporate in the plan comparison. Check these gaps against your accounting stack and approval process before a trial.
Pros
- Scalable and centralized payment management.
- Approval workflows and audit trail for bills.
Cons
- Customer service quality.
- Difficulty integrating with some accounting systems.
- Limited international payment capabilities.
- Best for
- Finance teams that run both bill pay and invoicing in one tool with approval chains.
- Starting price
- $49 per user per month (Essentials)
- G2 rating
- 4.5 (3,985 reviews)
What is Bill.com?
Per-user AP and AR automation platform that sends invoices, collects payments and syncs with QuickBooks, Xero and NetSuite. Finance teams that want bill pay, invoicing and approval chains together, on QuickBooks Online or Xero with two-way sync, fit best. Essentials costs $49 per user monthly, and Essentials syncs only by CSV. Reviewers flag service quality and limited international payments. Bill.com was founded in 2006 and is based in San Jose, US.
Category: Invoicing Software
Bill.com key features
| Criterion | What we found |
|---|---|
| Recurring invoices and subscriptions | Recurring invoices listed explicitly on Corporate and Enterprise; Essentials and Team list 'send invoices flexibly' only. |
| Online payment acceptance | Card 2.9% and ACH $0.59 on received payments; instant transfer 1.25% ($1 min) |
| Automated payment reminders | Automated payment reminders on all plans. |
| Accounting integration | 2-way sync QuickBooks Online/Pro/Premier and Xero from Team; NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise on Enterprise; Essentials is CSV only. |
| Time and expense billing | No billable-time invoicing found; separate BILL Spend & Expense product covers expenses. |
| Reporting and aging | Cash flow forecasting from Team (QBO users); full reporting detail not confirmed by the vendor. |
| Pricing model and transparency | Per user per month plus per-transaction fees for payments. |
| Target company size | Small to mid-size businesses and accounting firms (accountant partner programs); Enterprise tier for larger finance teams. |
Bill.com plans and pricing
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Essentials | $49 | user/month | Manual CSV import/export, standard approval policies, 6 standard roles, automated payment reminders |
| Team | $65 | user/month | Automatic 2-way sync with QuickBooks Online/Pro/Premier and Xero, custom roles, approval workflows |
| Corporate | $89 | user/month | Recurring invoices listed explicitly, custom approval policies, SSO, procurement included |
| Enterprise | Custom | quote | Adds NetSuite, Sage Intacct, Dynamics, dual control, premium phone support |
Trial described as 'available in most cases', length not stated. Transaction fees are separate: receiving by ACH $0.59, card 2.9%, instant transfer 1.25% ($1 min); paying by ACH $0.59, check $1.99. BILL Spend & Expense (corporate cards) is $0 per user per month. Billing period and annual discount not stated on the pricing page.
Who should shortlist Bill.com
A strong fit for
- Finance teams that run both bill pay and invoicing in one tool with approval chains.
- Small and mid-size companies on QuickBooks Online or Xero that want 2-way sync.
A weak fit for
- Freelancers who only need to send a few invoices (starts at $49 per user per month)
- Companies needing many international payment options (reviewers complain about this)
Bill.com alternatives
FreshBooksFreelancers and service businesses billing a limited number of clients.
QuickBooks OnlineSmall businesses that work with an outside accountant who already uses QuickBooks.
XeroTeams that need unlimited users without per-seat cost.
Zoho InvoiceFreelancers and micro businesses that want free invoicing.
RampCompanies that want cards, expenses and AP in one tool and are fine adopting its card.
HarvestAgencies and consultancies that bill clients by the hour from tracked time.
Security, admin and compliance
BILL lists SOC 1 Type II and SOC 2 Type II, and PCI Level 1 for AP/AR virtual card and Pay by Card. AP and AR keep an unalterable, timestamped audit trail on all plans. SSO is shown from Corporate in the comparison table, though the security page does not mention it. SCIM and a DPA are not published. Data is US only: AP and AR use certified third-party data centers, and Spend and Expense runs on AWS US-West-2. Monthly versus annual terms are not stated, so ask.
- SAML SSO
- Corporate and Enterprise (per pricing comparison table)
- Audit logs
- AP and AR keep an unalterable timestamped audit trail on all plans (security page)
- Data residency
- US only found: AP/AR in certified third-party data centers; Spend & Expense on AWS US-West-2.
- Certifications
- SOC 1 Type II, SOC 2 Type II, PCI (Spend & Expense; PCI Level 1 for AP/AR virtual card and Pay by Card)
Contract and buying terms
- Contract
- Monthly vs annual not stated on pricing page.
- Support
- Live chat and phone for all plans; premium phone support on Enterprise.
- Starting price
- $49 per user per month (Essentials)
- Pricing model
- Per user.
- Free plan or trial
- Free trial.
What to test in a Bill.com demo or trial
Connect your real accounting system. Automatic 2-way sync with QuickBooks and Xero starts on Team, so test on that plan, because Essentials is manual CSV. Run a full cycle: capture a bill, route it through your approval chain, pay it by ACH, and reconcile. Test sending invoices and automated payment reminders. If you pay abroad, price an international USD wire and review currency coverage, since reviewers cite limited international options. Contact support by chat and phone, which are offered on all plans, and time the response.
Questions to ask Bill.com before you sign
These are the points Bill.com's public pages leave open. Get the answers in writing before procurement signs off.
- Is SCIM provisioning included, or a paid add-on?
- Can we sign your standard DPA without changes?
- What will the price be at renewal, and is the increase capped?
Things to know before a demo
- Per-user pricing: a 20-user team on Team costs $15,600 per year at the listed monthly rate ($65 x 20 x 12), before payment fees.
- Only Corporate and above show SSO in the plan comparison table; the security page does not mention SSO.
- Automatic QuickBooks/Xero sync starts at Team ($65); Essentials is manual CSV.
- AR receiving fees apply on top of seats: $0.59 per ACH, 2.9% per card.
- Procurement is an add-on on Essentials and Team, included on Corporate.
Bill.com FAQ
What is Bill.com used for?
Finance teams that want bill pay, invoicing and approval chains together, on QuickBooks Online or Xero with two-way sync, fit best. Essentials costs $49 per user monthly, and Essentials syncs only by CSV. Reviewers flag service quality and limited international payments. It suits finance teams that run both bill pay and invoicing in one tool with approval chains.
Does Bill.com support SSO?
SSO appears on Corporate and Enterprise in the pricing comparison table, but the security page does not mention it. Confirm it in writing with the vendor.
Does Bill.com have audit logs?
AP and AR keep an unalterable, timestamped audit trail on all plans, according to the security page. SCIM and a DPA are not published.
What security certifications does Bill.com hold?
BILL lists SOC 1 Type II and SOC 2 Type II. It also lists PCI Level 1 for AP/AR virtual card and Pay by Card, and PCI for Spend and Expense.
Vendor profile
- Founded
- 2006.
- Headquarters
- San Jose, US.
- Employees
- About 2,187 (Wikipedia, 2024 figure; third-party sites list 2,364 unconfirmed)
- Funding or owner
- Public company (NYSE: BILL); FY2026 revenue $1,653.2M per company 8-K.
Sources
Every fact on this page comes from Bill.com's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.