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BILL

BILL

Your financial operations platform.

#1 dans Expense Management
2 min read · Updated 10/5/2025
BILL homepage screenshot

At a glance

Quick overview for BILL: rating, pricing summary, key features, and highlights.

Ciroapp review

2.5
Powerful Automation, Challenging User Experience.

We recognize BILL offers powerful financial operations features designed to significantly automate AP/AR and spend management processes. However, a large volume of user feedback documents severe deficiencies in payment reliability and accessing functional customer support channels. Overall, we advise caution due to recurring critical issues regarding transparency and the difficulty in resolving operational problems, despite the clear potential for efficiency gains.

Pros

  • Pro:Automates core accounts payable and invoicing processes quickly.
  • Pro:Users report significant time savings, averaging 12+ hours monthly.
  • Pro:Offers automatic 2-way synchronization with leading accounting software.
  • Pro:Provides consolidated management for AP, AR, and Procurement in higher-tier plans.

Cons

  • Con:Customer support is consistently cited as non-existent or impossible to contact.
  • Con:Payments suffer frequent, multi-day delays (ACH/ePayments), sometimes attributed to funds being held.
  • Con:Difficult and confusing setup process requires extensive time and effort.
  • Con:Reports of accounts being closed or credit revoked without warning or clear explanation.
Range: $45–$89/monthMonthly subscription, Per seat pricing
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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BILL review, pricing, features, pros & cons

Is manual financial work constantly slowing down your team? Dealing with stacks of paper for payables can feel like a full-time job.

BILL addresses this core frustration. It’s the intelligent way to consolidate financial operations, significantly saving you time and boosting office efficiency. You can manage bills, send invoices, and control spend all in one place. ✨

What is BILL?

BILL is the definitive financial operations platform, designed to bring simplification and automation to your business. It manages everything from accounts payable (AP) and accounts receivable (AR) to spend and expense management on a single platform.

You get an aggregated cash flow task list and one secure login. BILL offers seamless, automatic sync with your preferred accounting software, ensuring you confidently automate your entire tech stack. It's built for thousands of businesses and 6,000+ accounting firms. 💡

BILL Key Features

💸 Streamlined Accounts Payable Automation

BILL helps your business save significant time by automating payments. You can streamline your entire Accounts Payable (AP) process effortlessly. The system manages bill creation, internal approvals, and final payments all in one continuous flow.

Using this intelligent approach helps you reduce reliance on managing stacks of paper. 💸

✨ Integrated Spend and Expense Control

Optimize your company's cash flow by maintaining excellent spend and expense control. The platform provides access to the credit your business may need for growth. You can easily request funds, confidently set budgets, and track expenses using the free software component.

This process works seamlessly with The BILL Divvy Card, powered by Visa.

✨ Comprehensive Financial Operations Platform

BILL brings simplification and automation by consolidating your core financial operations. The platform manages accounts payable, accounts receivable, spend, and expenses together. This full centralization provides powerful control over your business finances in one place.

You gain an aggregated cash flow task list accessible through a single, secure login.

✨ Full Procure-to-Pay Automation

Confidence in spending starts with managing procurement effectively. BILL provides robust features for full procure-to-pay automation. This capability allows your company to manage AP, AR, and Procurement together in a single workspace.

It provides high-level control over the company’s entire purchasing and spending lifecycle.

✨ Automatic Accounting Software Syncing

Automating financial operations requires flawless integration with your existing technology stack. BILL offers automatic, two-way synchronization with leading accounting software. This ensures your financial data stays perfectly updated across both systems.

Reliable sync helps minimize tedious data entry and prevents costly administrative errors.

✨ Access to Business Credit and Funding

The platform helps businesses access necessary capital to support operations and scale their growth. You can access potential credit lines if required for optimizing cash flow. These lines range from $1,000 up to $5 million, subject to successful application approval.

This resource supports your goal to make financial automation a key part of expansion.

Use Cases

📄 Automating High-Volume Accounts Payable

Previously, handling bills meant dealing with stacks of paper and required endless manual data entry. This effort often consumed 30 hours of work each week just for payables processing. You can use BILL's AP automation to digitize every step.

This streamlines bill creation, accelerates internal approvals, and handles final payments all in one secure system. Users report cutting down AP time to roughly 5 hours a week, freeing up significant staff time.

💳 Establishing Company Spend Control

Keep tight control over your company's budgets and outgoing funds using integrated Spend & Expense features. It's smart to track money and enforce limits before purchases are made. The platform allows employees to easily request funds based on preset budget criteria. Once funds are approved, spending utilizes The BILL Divvy Card for easy tracking. You gain immediate clarity on cash flow and optimize organizational spending instantly.

Tip: Combine the free software with The BILL Divvy Card to track spend and set dynamic budgets effectively.

⚡ Accelerating Accounts Receivable

If waiting for client payments significantly impacts your business's cash flow, BILL helps you turn invoices around faster. You can automate the entire invoicing process directly through the platform. This ensures clients receive accurate bills promptly and improves communication around payment.

This efficiency is critical for financial health. Businesses using this automation often see payment times speed up dramatically, allowing them to get paid up to 2x faster than their old methods.

🔗 Streamlining the Financial Tech Stack

Dealing with separate systems for AP, AR, and expense tracking can lead to fragmented efforts and require multiple logins. BILL provides one single login to manage all core financial operations. This consolidation gives staff an aggregated task list for all cash flow activities.

The platform performs an automatic, two-way sync with leading accounting software, ensuring your tech stack always remains accurate and up-to-date without tedious manual reconciliation.

🛒 Integrated Procurement Management

For businesses that require comprehensive oversight of the purchasing lifecycle, BILL offers full procure-to-pay automation. This advanced feature is available in the Corporate plan. It allows you to confidently manage Accounts Payable, Accounts Receivable, and Procurement together in a single custom workspace.

This integration ensures seamless command over purchasing decisions and improves financial oversight from request through final payment.

🤝 Growing Your Accounting Firm's Services

Accounting firms can use BILL's Partner Program to streamline client financial operations and grow new service offerings. You can automate repetitive bookkeeping tasks for clients, freeing up your team's schedule. This partnership also enables you to easily offer sophisticated bill pay and expense management services.

You expand opportunities for your firm by delivering robust financial automation and exceptional support.

Pricing Overview for BILL

Pricing range
$45–$89/month
Pricing types
Monthly subscription, Per seat pricing

BILL offers four distinct tiers for Accounts Payable & Receivable, ranging from $45 to $89 per user per month. There is also a customizable Enterprise plan for large organizations needing robust features.

This setup ensures you can select the right level of automation and control for your business needs.

Plans & Pricing

Essentials

Monthly$45
Billed per user/month
  • Spend 50% less time on AP
  • Automate invoicing
  • Get paid 2x faster
Get Started

Team

Monthly$55
Billed per user/month
  • Get more granular controls
  • Automatic 2-way sync with leading accounting software
Get Started

Corporate

Monthly$89
Billed per user/month
  • Additional customization
  • Confidently manage AP, AR, and Procurement—all in one place
Get Started

Enterprise

Contact for pricing
Custom Pricing
  • Unlock enhanced security
  • Premium support
  • Multi-location accounting capabilities
  • More
Request a Demo

BILL costs between $45 and $89 per month with 3 fixed-price plans: Essentials at $45/user/month, Team at $55/user/month, and Corporate at $89/user/month.

Let's look closely at what each plan offers for your financial operations platform.

Essentials

Price: $45 user/month Websites Supported: Not explicitly stated Best For: Automating core accounts payable and invoicing quickly Refund Policy: Not explicitly stated Other Features:

  • Spend 50% less time on AP.
  • Automate invoicing processes effectively.
  • Get paid up to 2x faster.

The Essentials plan is great if you need core accounts payable and receivable automation. It helps streamline your processes immediately and reduces the time spent on manual tasks significantly. Choose Essentials if speed and efficient, basic automation are your top business priorities right now.

Team

Price: $55 user/month Websites Supported: Not explicitly stated Best For: Businesses requiring integrated accounting software synchronization Refund Policy: Not explicitly stated Other Features:

  • Features more granular controls than the Essentials plan.
  • Provides automatic 2-way sync with leading accounting software.
  • Includes standard live chat and phone support for everyone.

Team provides powerful integration and advanced control capabilities for growing businesses. This plan ensures your accounting software always stays perfectly synced with BILL, helping to minimize tedious data entry errors. If you need enhanced coordination and greater functional control across your finance department, the Team plan is a wise choice.

Corporate

Price: $89 user/month Websites Supported: Not explicitly stated Best For: Comprehensive financial management including Procurement Refund Policy: Not explicitly stated Other Features:

  • Access to additional customization features.
  • Confidently manage AP, AR, and Procurement together.
  • Consolidates key financial functions into one place.

As the Most Popular option, Corporate delivers a robust, all-in-one financial solution. It allows you to manage everything from accounts payable to procurement within one highly customized system. This is the optimal plan if your company needs integrated, high-level control over its entire spending lifecycle.

Enterprise

Price: Custom Pricing Websites Supported: Not explicitly stated Best For: Large organizations needing advanced security and multi-location support Refund Policy: Not explicitly stated Other Features:

  • Unlock enhanced security protocols.
  • Includes premium customer support.
  • Supports multi-location accounting capabilities.

The Enterprise plan is designed specifically for large organizations with complex needs requiring highly customized software. You will benefit from top-tier security and specialized support across multiple accounting locations. Since pricing is custom, you'll need to contact the BILL sales team directly to determine costs for these enhanced capabilities.

BILL does not explicitly state an option for a free plan, a free trial, or a money-back guarantee for these four standard business plans. However, remember that all customers benefit from access to standard live chat and phone support right away. The platform also provides access to business credit lines ranging from $1,000 to $5 million, subject to application approval, helping businesses grow and optimize their cash flow management. 💰

User Reviews

BILL receives significantly negative feedback on Trustpilot (2.5/5), contradicting its strong internal promises of efficiency. The most prevalent complaint is the critically nonexistent customer support.

Users report spending hours locked behind slow, unhelpful chat bots, often unable to solve basic access or payment issues. Reliability is a major concern, particularly with payments; users frequently mention significant delays in ACH/ePayments (3–4 business days), alleging the company intentionally holds funds to earn interest.

This failure directly impacts the advertised speed. Furthermore, many reviewers cite difficulties with setup and onboarding, characterizing the process as time-consuming and confusing.

While some users praise the convenience of digital cards or appreciate the overall automation concept ✨, the recurring themes point to severe operational failures. Reports of unauthorized recurring billing, unexpected fees after cancellation, and accounts being capriciously closed without clear explanation also contribute to low user trust and a perception of dishonesty.

What users say elsewhere

Alex B.
· Trustpilot
1.0 / 5

It’s basically impossible to get any support on this platform. I spent weeks just trying to get account access back. You are locked behind chat that is useless and told me three times they had resolved the issue when they hadn't.

Robert M.
· Trustpilot
1.0 / 5

They will hold your money for a long time before you get paid. I wasted one hour of my life dealing with customer service just trying to get paid. They always claim there was a minor problem with your payment.

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Why use BILL?

You can transform your company’s financial processes and reclaim hours of productivity every week. BILL provides the comprehensive tools needed for true automation and control.

  • Maximize Efficiency and Time Savings: Users report saving 12 hours monthly, on average. Customers have seen payables drop from 30 hours a week to about 5 hours a week. One winery estimated efficiency increased by 20%.
  • Simplify Payments and Approvals: Streamline your entire AP process. It covers everything from easy bill creation and internal approvals right through to the final payment, reducing paper stacks.
  • Optimize Spend and Cash Flow: Access the credit you need to grow and maintain control over budgets. You can easily request funds and track spend using free software combined with The BILL Divvy Card.
  • Trust and Scale: Join the collaboration network of 8 million members. BILL processes hundreds of billions in total payment volume annually, proving it's a tool businesses trust for serious financial transformations. ✅

Take advantage of all features to make financial automation a key part of your company's growth plan.

Ready to transform your workflow with BILL?

Try it nowView pricing

BILL Alternatives

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Frequently Asked Questions

How is BILL priced, and what exactly does 'per user' mean?

BILL uses a per-user, monthly subscription model for the Essentials, Team, and Corporate plans, costing $45 to $89 per user per month. This means you pay a fixed monthly rate for each specific team member granted access to the account.

Which integrated accounting platforms does BILL support with its sync feature?

The site confirms the Team plan and higher tiers include an automatic 2-way sync with 'leading accounting software.' However, the names of the specific supported software systems are not explicitly stated on the official site.

Does BILL offer a free tier or a free trial period for the paid plans?

BILL does not explicitly state an option for a free plan, a free trial, or a money-back guarantee for any of the four standard business plans mentioned. You must choose a monthly subscription to start.

What level of customer support is included with my subscription?

All standard paid tiers (Essentials through Corporate) include access to standard live chat and phone support. The specialized Enterprise plan provides a higher entitlement called 'premium customer support.'

Are there any transaction volume limits or caps on how many bills I can process each month?

Not explicitly stated on the official site. The pricing structure relies strictly upon the number of users accessing the platform, not the volume of transactions or documents processed.

If I choose to pay for a year in advance, are annual plans available with a discount?

Not explicitly stated on the official site. The pricing details provided show only the monthly rate per user for the fixed-price plans.

What is the primary difference between the popular Corporate plan and the Team plan?

At $89/user/month, the Corporate plan integrates AP, AR, and Procurement management into a single, comprehensive workspace. The lower-cost Team plan focuses mainly on automated accounting software synchronization and granular controls.

What security features protect my company's financial data on the platform?

The platform offers one secure login for managing all financial operations and cash flow tasks. If you need maximum protection, the Enterprise plan unlocks advanced, enhanced security protocols.

Who is the Enterprise plan best suited for, and how do I receive pricing?

The Enterprise plan is designed for large organizations facing complex needs, such as required multi-location accounting capabilities. Since pricing is custom, you must contact the BILL sales team directly for a tailored quote.

Does BILL provide professional services to help us migrate our existing financial data or documents?

Not explicitly stated on the official site. While the platform emphasizes automation and sync, specific details on onboarding or migration assistance are not provided.

Can BILL help my business access business credit lines or funds for growth?

Yes, BILL offers access to business credit lines ranging from $1,000 up to $5 million. Access to these credit lines is determined upon application approval.

Is there a specific refund policy or cancellation structure if I need to stop using the service?

Not explicitly stated on the official site. Details regarding renewal terms, refund eligibility, or cancellation fees are not listed in the pricing overview.

Is the BILL platform localized or supported in regions outside of the United States?

Not explicitly stated on the official site. Based on the mention of USD pricing and US GDP payment volume statistics, the platform primarily appears geared toward US operations.

Which plan provides the functionality for managing Procurement?

Procurement management is a feature that is specifically included in both the Corporate plan and the custom Enterprise plan. Lower tiers do not list this capability.

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