# BILL — AP, AR and card spend on one platform, with AI agents that code bills and chase vendor W-9s. > Source: Tick Mark Books — https://tickmarkbooks.com/bill (structured, researched, re-verified) BILL is a financial operations platform for creating and paying bills, sending invoices, and managing company cards and expenses. Its AI reads incoming invoices, codes multi-line bills and collects vendor W-9s, syncing two ways into QuickBooks or Xero. **Best for:** Small and midsize businesses and accounting firms automating bill approvals and payments | Fact | Value | | --- | --- | | Website | https://bill.com | | Category | Works with QuickBooks Online, Bookkeepers and accounting firms, Accounts payable and bills, Free accounting software, Small businesses, Works with Xero | | Open source | No | | Price | Free | | Price checked | 28 October 2026 | Screenshot of BILL: https://tickmarkbooks.com/img/1920/screenshots/bill.webp, captured 31 October 2026 **What we checked** - Pages last read: 28 October 2026 - Price on its site: Free plan (From its pricing page) ## What it costs A month of books at 100 transactions: Does not apply No plan keeps a full set of books ## BILL price and plans Prices excluding tax, as BILL publishes them. | Plan | Price | What's included | | --- | --- | --- | | Essentials | $49 per user a month | Keeps no full set of books; Flat fee | | Team | $65 per user a month | Keeps no full set of books; Flat fee; adds What the AI costs | | Corporate | $89 per user a month | Keeps no full set of books; Flat fee; adds Several businesses | | Spend & Expense | Free | Keeps no full set of books; Flat fee | **What needs a higher plan** - Enterprise: QuickBooks Online, Xero, NetSuite Pricing page as we captured it: https://tickmarkbooks.com/img/1920/screenshots/bill/pricing.webp, captured 31 October 2026 Read on https://www.bill.com/product/pricing, 28 October 2026. ## What we checked on BILL ### What it costs to keep your books **Cost for a solo freelancer** · Partly — One freelancer pays $49 a user each month on Essentials, the cheapest paid plan, plus per-payment fees such as $0.59 an ACH payment; BILL does not keep books or import bank transactions. > Essentials $49 user/month > — https://www.bill.com/product/pricing · Accounts Payable & Receivable plan cards, Essentials card price, checked 28 October 2026 **Ledger included** · No — BILL is not your accounting software: it syncs two ways into QuickBooks Online, QuickBooks Pro/Premier and Xero, which you pay for separately, or exchanges CSV files with anything else. > Automatic 2-way sync with QuickBooks Online, QuickBooks Pro, QuickBooks Premier, and Xero > — https://www.bill.com/product/pricing · Team plan card, Accounts Payable Features list, checked 28 October 2026 **What the price is based on** · Yes — Priced per user each month for bills and invoices, with payment fees charged per payment on top, so the bill moves with headcount and with how much you pay out. > BILL Accounts Payable and Accounts Receivable are offered in subscription plans (such as Essentials, Team, and Corporate) that are priced per user per month for direct customers. > — https://www.bill.com/product/pricing · Frequently asked questions, "What are BILL's pricing tiers for Accounts Payable and Receivable?", checked 28 October 2026 **Users included** · Yes — No seats are bundled: every user is billed, at $49, $65 or $89 a month by plan, and only Corporate and Enterprise offer cheaper approver-only seats. > every user on Essentials and Team is billed as a standard user, and Corporate/Enterprise plans distinguish between full feature users and lower-cost approver-only users > — https://www.bill.com/product/pricing · Frequently asked questions, "How much does BILL cost per user?", checked 28 October 2026 **Notice before a price rise** · Partly — The terms promise advance notice of a material fee increase but name no number of days, and your only remedy is to stop using BILL or cancel. > BILL will provide advanced notice of any material increase of a change in Service Fees. If the increase in Service Fees is not acceptable, Your sole and exclusive remedy will be to stop using the Service and/or cancel Your BILL account > — https://www.bill.com/legal/terms-of-service · Terms of Service, section 10.2 Changes to Service Fees, checked 28 October 2026 ### What the AI does with your books **What the AI does** · Yes — AI reads incoming invoices and extracts fields, codes multi-line bills, emails vendors to collect W-9s, matches receipts to card transactions and flags unusual bill amounts during approval. > BILL's AI automatically reads incoming invoices, extracts key fields, codes multi-line bills, reducing time and increasing accuracy. > — https://www.bill.com/product/ai · AI-powered features built for finance teams, Invoice automation card, checked 28 October 2026 **What the AI costs** · Partly — included in the plan at no extra charge, but the Invoice Coding Agent that codes multi-line bills is not included on Essentials and starts on Team at $65 a user each month. > Automatic AI multi-line bill coding with the BILL Invoice Coding Agent Not included Included Included Included > — https://www.bill.com/product/pricing · Compare All plans, BILL Accounts Payable table, Invoice Coding Agent row, checked 28 October 2026 **Categorizes transactions** · Partly — AI codes bills and card transaction fields inside BILL, but these are bills and card spend, not bank transactions in your books, and no page claims it learns from your corrections. > BILL helps complete transactions for you by matching receipts to transactions and automatically categorizing transaction fields. > — https://www.bill.com/product/ai · AI-powered features built for finance teams, Transaction automation card, checked 28 October 2026 **Reads receipts and bills** · Yes — The mobile app captures receipts and AI matches them to card transactions and codes them, so a photographed receipt lands against its transaction without manual entry. > AI-powered receipt capture, matching, and transaction coding > — https://www.bill.com/product/pricing · Spend & Expense tab, Product Features list, checked 28 October 2026 **Pays your bills** · Yes — This is BILL's core job: bills arrive in a central inbox, route through approval policies you set, then pay by ACH, check, virtual card, credit card or international transfer. > Manage bills from a centralized inbox > — https://www.bill.com/product/pricing · Compare All plans, BILL Accounts Payable table, centralized inbox row, checked 28 October 2026 **Sends invoices** · Yes — Every plan creates custom invoices, sends single or recurring ones, automates payment reminders, takes ACH and credit card, and can auto-charge the customer. > Create professional, custom invoices > — https://www.bill.com/product/pricing · Compare All plans, BILL Accounts Receivable table, checked 28 October 2026 ### Who checks the AI’s work **People check the books** · No — Nobody at BILL checks the AI's work for you: the vendor's pitch is that automation keeps you in the chair, with final approval and an audit log of every AI action on your side. > Shift from manual processing to high-value strategic work, while keeping final decision-making power. > — https://www.bill.com/product/ai · AI built for finance, "Automate routine tasks without losing oversight" card, checked 28 October 2026 **Your accountant can sign in** · Partly — An outside accountant can be added, but on Essentials and Team every user is billed at the plan rate; firms instead buy the Accountant Console at $49 a month to reach client accounts. > For Essentials/Team customers, every user is billed as a standard user. > — https://www.bill.com/product/pricing · Frequently asked questions, "How can we manage our BILL plan?", checked 28 October 2026 **Accuracy the vendor claims** · Yes — BILL claims its W-9 agent collects and enters W-9s with 95+ accuracy; the figure carries a footnote marker only, and no method or sample behind it is published on the page. > BILL's AI autonomously emails your vendors to collect and enter W-9s with 95+ accuracy. > — https://www.bill.com/product/ai · AI-powered features built for finance teams, W-9 automation card, checked 28 October 2026 ### Where your books live and what it connects to **QuickBooks Online** · Yes — QuickBooks Online, Pro and Premier and Xero sync two ways from Team upward and by CSV on Essentials, while QuickBooks Enterprise, NetSuite, Sage Intacct and Dynamics need Enterprise. > QuickBooks Enterprise Not included Not included Not included Automatic 2-way sync* Oracle NetSuite Not included Not included Not included Automatic 2-way sync* > — https://www.bill.com/product/pricing · Compare All plans, Integrations table, checked 28 October 2026 **Xero** · Yes — QuickBooks Online, Pro and Premier and Xero sync two ways from Team upward and by CSV on Essentials, while QuickBooks Enterprise, NetSuite, Sage Intacct and Dynamics need Enterprise. > QuickBooks Enterprise Not included Not included Not included Automatic 2-way sync* Oracle NetSuite Not included Not included Not included Automatic 2-way sync* > — https://www.bill.com/product/pricing · Compare All plans, Integrations table, checked 28 October 2026 **NetSuite** · Yes — QuickBooks Online, Pro and Premier and Xero sync two ways from Team upward and by CSV on Essentials, while QuickBooks Enterprise, NetSuite, Sage Intacct and Dynamics need Enterprise. > QuickBooks Enterprise Not included Not included Not included Automatic 2-way sync* Oracle NetSuite Not included Not included Not included Automatic 2-way sync* > — https://www.bill.com/product/pricing · Compare All plans, Integrations table, checked 28 October 2026 **Stripe** · No — no page names Stripe, Shopify, PayPal, Square or Gusto feeds. > Integrations include Tallie, HubDoc, Tax1099, and Earth Class Mail. > — https://www.bill.com/integrations · Frequently asked questions, "What other tools do BILL Accounts Payable and BILL Accounts Receivable integrate with?", checked 28 October 2026 **Shopify** · No — no page names Stripe, Shopify, PayPal, Square or Gusto feeds. > Integrations include Tallie, HubDoc, Tax1099, and Earth Class Mail. > — https://www.bill.com/integrations · Frequently asked questions, "What other tools do BILL Accounts Payable and BILL Accounts Receivable integrate with?", checked 28 October 2026 **PayPal** · No — no page names Stripe, Shopify, PayPal, Square or Gusto feeds. > Integrations include Tallie, HubDoc, Tax1099, and Earth Class Mail. > — https://www.bill.com/integrations · Frequently asked questions, "What other tools do BILL Accounts Payable and BILL Accounts Receivable integrate with?", checked 28 October 2026 **Square** · No — no page names Stripe, Shopify, PayPal, Square or Gusto feeds. > Integrations include Tallie, HubDoc, Tax1099, and Earth Class Mail. > — https://www.bill.com/integrations · Frequently asked questions, "What other tools do BILL Accounts Payable and BILL Accounts Receivable integrate with?", checked 28 October 2026 **Gusto payroll** · No — no page names Stripe, Shopify, PayPal, Square or Gusto feeds. > Integrations include Tallie, HubDoc, Tax1099, and Earth Class Mail. > — https://www.bill.com/integrations · Frequently asked questions, "What other tools do BILL Accounts Payable and BILL Accounts Receivable integrate with?", checked 28 October 2026 **Platforms** · Yes — web in the browser, plus ios on iOS 16 or later and android on Android 7.0 or later; the app mirrors the browser app rather than standing alone, and no Windows or Mac download is offered. > The mobile app is currently available for Android 7.0 or later and iOS 16 or later. > — https://www.bill.com/product/mobile-app · Frequently asked questions, "Which devices can run the BILL mobile app?", checked 28 October 2026 **Getting your books out** · Partly — You can export your BILL data as CSV files for any accounting software, but BILL holds bills, invoices and card spend, so there is no full ledger, trial balance or report set to take out. > Easily export data in CSV files to use with your accounting software and import files configured to work with BILL. > — https://www.bill.com/integrations · Frequently asked questions, "What if I use an accounting software or ERP that BILL... does not have an automatic sync with?", checked 28 October 2026 ### Taxes **Files 1099s** · Yes — BILL e-files 1099s to the IRS at $2.99 each, $1.99 through the Accountant Console, with direct state filing at $1.49 and mailing to vendors at $1.99, and collects W-9s by AI first. > 1099 E-filing to IRS $2.99 (per 1099) 1099 E-filing to IRS via Accountant Console $1.99 (per 1099) 1099 Direct State Filing $1.49 (per 1099) 1099 Mail Delivery to Vendors $1.99 (per 1099) > — https://www.bill.com/product/pricing · Transaction and other fees, Payor - Other Fees table, checked 28 October 2026 ### What it keeps track of **Other currencies** · Partly — You can pay vendors in local currencies across 130+ countries and receive EUR or GBP invoice payments, but BILL is not your ledger, so accounts are not kept in other currencies here. > Make international payments in more than 130 countries > — https://www.bill.com/product/international-payments · Page hero heading, checked 28 October 2026 ### Your data and its security **SOC 2 report** · Yes — BILL undergoes an annual SOC 1 and SOC 2 Type II audit covering Accounts Payable, Accounts Receivable and Spend & Expense; the page does not say how a customer requests a copy. > BILL adheres to the SOC 1 and SOC 2 compliance standards of the American Institute of CPAs (AICPA), undergoing an annual SOC 1 and SOC 2 Type II Audit for BILL Accounts Payable, BILL Accounts Receivable, and BILL Spend & Expense. > — https://www.bill.com/product/security · Designed with your privacy and security in mind, AICPA SOC 2 compliance block, checked 28 October 2026 ### Who it is built for **For accounting firms** · Yes — Firms get an Accountant Console at $49 a month to manage many clients, wholesale subscription pricing they can resell, a further 10-20% client discount by volume, and NASBA-certified CPE training. > BILL offers an Accountant console at $49/month that provides access to manage multiple clients, resell AP/AR services, and includes NASBA-certified training for CPE credits. > — https://www.bill.com/product/pricing · For accountants tab, Frequently asked questions, "What does BILL's Accountant console cost?", checked 28 October 2026 **Several businesses** · Partly — Multi-entity and multi-location accounting is included on Corporate at $89 a user each month and Enterprise, and is marked not included on Essentials and Team. > Multi-entity, multi-location accounting capabilities Not included Not included Included Included > — https://www.bill.com/product/pricing · Compare All plans, Extras table, multi-entity row, checked 28 October 2026 **Australia** · No — no page names Australian banks or GST. > You can use and download the app when traveling abroad, but it supports only US accounts when signing up for BILL. > — https://www.bill.com/product/mobile-app · Frequently asked questions, "Where can I download the app?", checked 28 October 2026 ### Trying it, starting and getting help **Free trial or free plan** · Yes — Spend & Expense is $0 a user each month and stays free, and the paid AP and AR plans come with a free trial in most cases, so you can try before paying. > Yes, the BILL Spend & Expense plan is $0 per user per month and includes corporate cards, budgets, expense tracking, and access to credit lines from $1,000-$5M. > — https://www.bill.com/product/pricing · Frequently asked questions, "Is there a free plan available with BILL?", checked 28 October 2026 **Sign up without a sales call** · Yes — Essentials, Team and Corporate each carry a Get Started button and a published rate you can buy yourself, while Enterprise is custom priced and routes to Request a Demo. > Enterprise Custom Pricing Unlock enhanced security, premium support, multi-location accounting capabilities, and more. Request a Demo > — https://www.bill.com/product/pricing · Accounts Payable & Receivable plan cards, Enterprise card, checked 28 October 2026 **Contract and cancelling** · Yes — Subscriptions renew each billing cycle rather than on a yearly commitment, and you cancel in your own account or through the support portal, effective at the end of the current cycle. > Your Subscription Account will automatically renew each billing cycle unless You request to deactivate a User or cancel Your account. > — https://www.bill.com/legal/terms-of-service · Terms of Service, section 11.2 Effective Date of Cancelation: Subscription Accounts, checked 28 October 2026 **Support** · Yes — Live chat and phone are offered on all plans, with email too, but premium phone support is Enterprise only and the hours live in the Help Center rather than on the pricing page. > Live chat and phone support for all plans Visit the Help Center to connect with a support advocate and learn more about business hours. > — https://www.bill.com/product/pricing · Below the Compare All plans tables, support line, checked 28 October 2026 ## BILL alternatives - [Zoho Books](https://tickmarkbooks.com/zoho-books) · Free plan, then $20 a month: Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month. - [FreeAgent](https://tickmarkbooks.com/freeagent) · From £10 a month (about $13): UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type. - [Puzzle](https://tickmarkbooks.com/puzzle) · No list price: AI-native accounting software with optional bookkeeper services for startups and small businesses. - [Stampli](https://tickmarkbooks.com/stampli) · Price on request: Procure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing. - [Booke AI](https://tickmarkbooks.com/booke-ai) · No list price: An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents. - [Pilot](https://tickmarkbooks.com/pilot) · No list price: A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors. - [SimpleAI](https://tickmarkbooks.com/simpleai) · From $79 a month: AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. - [Expensify](https://tickmarkbooks.com/expensify) · Free plan, then $5 a seat a month: Receipt scanning, company cards, bill pay and reimbursements that feed QuickBooks, Xero or NetSuite. - [Melio](https://tickmarkbooks.com/melio) · Free plan, then $25 a month: Bill pay and invoicing for US small businesses, with AI bill capture and QuickBooks, Xero and NetSuite sync. 5 of the 9 publish a price. [All 9 alternatives](https://tickmarkbooks.com/bill/alternatives/) ## Sources and changes Last changed 31 October 2026 **Sources on bill.com** (7) - https://www.bill.com/product/pricing, read 28 October 2026 - https://www.bill.com/product/ai, read 28 October 2026 - https://www.bill.com/integrations, read 28 October 2026 - https://www.bill.com/legal/terms-of-service, read 28 October 2026 - https://www.bill.com/product/mobile-app, read 28 October 2026 - https://www.bill.com/product/international-payments, read 28 October 2026 - https://www.bill.com/product/security, read 28 October 2026 ## Is this yours? Claim BILL: https://tickmarkbooks.com/claim/bill Report an error if a fact is wrong: hello@tickmarkbooks.com, subject "Report an error: BILL (bill)".