As of November 2026, BILL (the company that used to be called Bill.com) lists three self-serve accounts payable and receivable plans at $49 (Essentials), $65 (Team) and $89 (Corporate) per user per month, plus a custom-priced Enterprise plan. On top of the subscription, you pay per payment: $0.59 for an ACH payment, $1.99 for a mailed check and $19.99 for an international USD wire. I run Ecommerce Paradise, and software costs like this matter once a store is paying real supplier invoices every month.
Disclosure: some links below are affiliate links, which means I may earn a commission at no extra cost to you.
This guide covers every plan, what each one includes, the payment fees that quietly decide your real bill, how the QuickBooks and Xero sync works by plan, and what a small store should expect to pay. Every number comes from BILL’s own pages, and where a figure is not shown I say so instead of guessing. If you want to look at the live plans while you read, you can open BILL’s pricing page here. This is general information, not financial advice, terms change, and you should check the provider before you buy.
BILL Pricing at a Glance (November 2026)
| Plan | Price per user per month | What it adds | Who it fits |
|---|---|---|---|
| Essentials | $49 | Manual CSV import and export with your accounting software, standard approval policies, 6 standard user roles | A solo owner or tiny team paying a handful of vendors |
| Team | $65 | Automatic 2-way sync with QuickBooks Online and Xero, AI multi-line bill coding, custom user roles | A store that wants the books to update without CSV files |
| Corporate | $89 | Custom approval policies, approver-only discounts, procurement, single sign-on, multi-entity accounting | A team with approvals, purchase orders and more than one entity |
| Enterprise | Custom pricing | Sync with QuickBooks Enterprise, NetSuite, Sage Intacct and Microsoft Dynamics, plus synced purchase orders with 2-way and 3-way matching, dual control and premium phone support | Larger companies with an ERP |
| Spend & Expense | $0 | Corporate cards, budgets and expense management | Anyone who only needs cards and expense tracking |
Source: the plan names, prices and feature lists above come from the BILL pricing page, which showed US dollars when I loaded it. The page shows these as monthly prices per user and no annual price, so I cannot tell you whether a discount exists for paying yearly. The page I loaded mentions no user cap and no minimum number of users.
What BILL Actually Does: Accounts Payable vs Accounts Receivable
BILL sells two jobs under one subscription. Accounts payable (AP) is the money you owe: supplier invoices come in, the right person approves them, and BILL pays them. Accounts receivable (AR) is the money owed to you: you send invoices, remind customers, and collect by ACH or card. The pricing page says the AR features are included in all of the direct plans, so you do not buy AP and AR separately.
On the AP side, BILL’s accounts payable product page lists emailed or uploaded invoices read by OCR, AI coding of multi-line bills, approval routing, mobile approvals, duplicate flags and 2-way and 3-way matching against purchase orders and receipts. It lists ACH, virtual card, paper check and international wire as payment methods and says you can pay up to 2,000 bills in one batch. The page also names a vendor network of millions of vendors, which matters because vendors already on the network can be paid electronically without you chasing bank details.
The AR side, per the pricing page, covers custom invoices, flexible sending and tracking, automated payment reminders, ACH and card payments, and auto-charge. For a store that sells to other businesses or invoices wholesale buyers, that can replace a separate invoicing tool. For a store that only sells through a checkout page, AR is probably not why you would buy.
One caution on the numbers BILL prints. The AP page quotes survey figures such as 50 percent of AP time saved, from a 2021 survey of over 2,000 BILL customers. Those are BILL’s own marketing claims, not independent results, and I have not tested the product to confirm them.
What Each Plan Includes
Essentials at $49: Standard Approvals, Manual Sync
Essentials gives you the core workflow: bill entry, standard approval policies, six standard user roles and the payment methods. The catch is the accounting connection. On Essentials the pricing page shows QuickBooks Online and Xero as manual CSV import and export, not automatic sync, and it lists no AI bill coding. If you pay five vendors a month, exporting a file is fine. If you pay fifty, the manual step is the thing you will resent.
Team at $65: The Plan That Adds Automatic Sync
Team costs $16 more per user than Essentials, and the headline change is the automatic 2-way sync with QuickBooks Online, QuickBooks Pro and Premier, and Xero. It also adds AI multi-line bill coding and custom user roles, and the page lists cash flow forecasting for QuickBooks Online users. In my opinion this is the plan most stores that already live in QuickBooks or Xero should price first, because the sync is the reason to use BILL in the first place.
Corporate at $89: Approvals, Procurement and Multiple Entities
Corporate includes everything in Team and adds custom approval policies, discounts for approver-only users, procurement, single sign-on and multi-entity accounting. Procurement here means purchase requests, purchase orders, tolerance rules and 2-way matching. The pricing page lists procurement as included on Corporate and Enterprise, and as an add-on on Essentials and Team, but it shows no price for that add-on, so ask BILL before you count on it.
The approver-only discount is worth a note. If the person who signs off on invoices is not the person who enters them, you may not need a full seat for everyone, but the page does not state the discounted price, so confirm it before you budget.
Enterprise: Custom Pricing and ERP Sync
Enterprise adds sync with QuickBooks Enterprise, NetSuite, Sage Intacct and Microsoft Dynamics, synced purchase orders with 2-way and 3-way matching, dual control and premium phone support. The comparison table on the pricing page lists API access as included on every plan, Essentials too, so it is not a reason to move up. BILL does not print a price, so this is a sales conversation. Most small stores will never need it.
Spend and Expense at $0
The Spend and Expense plan is listed at $0 per user per month and includes corporate cards, budgets and expense management. The page states that its services are provided by Divvy Pay LLC and that credit lines of $1,000 to $5 million are available, but also says they are not guaranteed and depend on application approval. I am not going to speculate about who would be approved. If you are comparing card options, my Brex alternatives guide lays out other business card and banking choices.
BILL Payment Fees: The Part That Changes Your Real Cost
The subscription is only half of the cost. BILL charges per payment, and the amount depends on how you pay a vendor. These are the payor fees listed on the pricing page as of November 2026.
| Payment method | Fee listed by BILL |
|---|---|
| ACH (ePayment) | $0.59 |
| Check (BILL mails it) | $1.99 |
| Virtual card | Free |
| International FX wire or local transfer | Free, exchange rate applies |
| International USD wire | $19.99 USD, which may be passed to the receiver |
| Instant payment | 1.0%, minimum $9.99, maximum $100 |
| Pay Faster ACH | $11.99 |
| Pay Faster check | Overnight $24.99, two-day $19.99, three-day $14.99 |
| Pay by credit or debit card | 2.9% when paying vendors by ACH, check, virtual card or wire; Pay Faster Check adds its speed fee on top |
The timing rule on the page is simple: schedule by 10:00 am PT for same-day ACH and by 6:00 pm PT for next-day ACH. The Pay Faster ACH fee is listed separately at $11.99, so I would read the page for exactly which speed each option buys before choosing it.
Other Fees on the Page
The same page lists smaller charges that tend to show up only when something goes wrong or when you file tax forms. Voiding a check costs $25.00, and voiding a returned check costs $3.00. A failed ACH from the sender after the receiver has already been paid costs $50.00, and a re-debit after a failed funding costs $25.00.
For 1099 work, BILL lists $2.99 per 1099 for e-filing to the IRS, $1.99 per 1099 when filed through the Accountant Console, $1.49 per 1099 for direct state filing and $1.99 per 1099 for mail delivery to vendors. If you pay contractors, the IRS says Form 1099-NEC is used to report nonemployee compensation. The filing thresholds are in the IRS instructions, which that page links, and I did not quote them here, so read the current instructions or ask your accountant.
Fees Your Vendors May Pay
BILL also lists receiver fees, meaning charges to the party being paid. ACH is $0.59, credit or debit card is 2.9%, an international USD wire is $19.99, an instant transfer is 1.25% with a $1 minimum, and a mailed invoice is $1.99. The page shows regional notes for Canada and the UK as well. If a supplier is not already on the network, these are fees they may pass back to you in the price, so ask them how they want to be paid before you set up a vendor.
Integrations: QuickBooks, Xero and the Rest
BILL’s integrations page says AP and AR offer automatic 2-way sync with QuickBooks Online and Xero. The pricing page then adds a plan limit to that statement, which is the part people miss.
| Integration | Essentials | Team | Corporate | Enterprise |
|---|---|---|---|---|
| QuickBooks Online, Pro, Premier | Manual CSV | Automatic 2-way sync | Automatic 2-way sync | Automatic 2-way sync |
| Xero | Manual CSV | Automatic 2-way sync | Automatic 2-way sync | Automatic 2-way sync |
| QuickBooks Enterprise | Not included | Not included | Not included | Automatic 2-way sync |
| Oracle NetSuite | Not included | Not included | Not included | Automatic 2-way sync |
The pricing page also names Sage Intacct, Microsoft Dynamics, Acumatica and Rillet as Enterprise-only automatic syncs, and says manual CSV import and export works with any ERP outside the BILL network. The integrations page lists import and export connections for FreshBooks, Sage 50 and Sage 100 among others, and says Spend and Expense syncs automatically with QuickBooks Online and Xero without calling it two-way.
The practical point: if you use QuickBooks Online or Xero and want the books to update on their own, Team at $65 is the floor. Before you commit, compare what the accounting software itself costs, starting with my QuickBooks pricing guide.
Xero’s US plans page listed Early, Growing and Established at regular prices of $27, $59 and $97 a month when I loaded it, with a promotional first-three-months rate shown for new customers. My Xero pricing guide goes through those plans, including the limits on the smallest one.
Free Trial and Cancellation: What BILL Does Not Say
The pricing page says AP and AR are paid subscriptions with a free trial available in most cases. It does not state a trial length, and it does not say whether a credit card is required. You may see a 30-day trial quoted elsewhere, including in older write-ups. I could not confirm a number on the page I loaded, so treat any figure as unverified until the signup screen shows it.
The page also shows no annual contract language and does not describe a cancellation process or refund rule. Before you subscribe, find the cancellation terms in BILL’s agreement or ask support, write the renewal date in your calendar and confirm whether you can drop users mid-term. Those questions matter because the cost is per user.
What a Small Store Will Actually Pay: Worked Examples
These are examples, not quotes. They use the November 2026 prices above, exclude taxes, and assume a store paying vendors from a business account. The arithmetic is users times plan price, plus payment fees, and every assumption is stated so you can swap in your own volume.
| Scenario | Assumptions | Math | Per month | Per year |
|---|---|---|---|---|
| Solo owner, Essentials | 1 user, 40 ACH payments | $49 + (40 x $0.59 = $23.60) | $72.60 | $871.20 |
| Owner plus bookkeeper, Team | 2 users, 60 ACH, 5 mailed checks | $130 + $35.40 + $9.95 | $175.35 | $2,104.20 |
| Three-person team, Team | 3 users, 100 ACH, 10 checks | $195 + $59 + $19.90 | $273.90 | $3,286.80 |
| Five-person team, Corporate | 5 users, 200 ACH, 10 international USD wires | $445 + $118 + $199.90 | $762.90 | $9,154.80 |
Annual figures are the monthly total times twelve, since the pricing page shows no yearly rate. Two things stand out. First, the wires in the last row cost more than the 200 ACH payments combined, so an international USD wire is the fee to avoid if a vendor will accept a local transfer or FX wire instead. Second, the subscription is the larger part of the bill in the first three rows, which means the user count matters more than the per-payment fee for a small team.
How Paying by Card Changes the Math
Paying a vendor by card is where the fee scales with the invoice. As an example, suppose a $2,000 supplier invoice is paid by credit card through BILL. At 2.9% that is $58.00. The page lists 2.9% against the ACH, check, virtual card, international wire and Pay Faster Check rows, and it shows an added charge only on Pay Faster Check, where the $14.99 to $24.99 speed fee comes on top of the 2.9%. It does not say whether the $0.59 ACH fee is also charged on a card-funded payment, so confirm the total at checkout before you rely on $58.00.
Instant payment shows the opposite shape. A $2,000 invoice at 1.0% is $20.00, and a $15,000 invoice would be $150 by the formula, but the page caps the fee at $100. The $9.99 minimum applies to small invoices. A card payment is not always the wrong choice, since you may earn rewards or want the float, but price the fee against the invoice before you use it.
When the Subscription Is the Bigger Cost
It is easy to focus on $0.59 and miss that each user is $49 to $89 a month. A store with one person paying 20 vendors is paying $49 for software that does what a free bank bill-pay screen might partly do. In my opinion BILL starts making sense when several people touch bills, approvals matter, or you are tired of re-keying data. If it is you alone paying a few vendors a month, test the free options first. My Melio alternatives guide covers other bill pay tools for ecommerce.
Is BILL Worth It for an Ecommerce or Dropshipping Store?
It depends on what you are paying for. Many stores begin with a few supplier relationships and a card, and the work is mostly ads and software. As you grow, the payments get larger. A high-ticket order often means a supplier invoice in the hundreds or thousands of dollars, which is the world described in my explainer on what high-ticket dropshipping is. At those sizes, approval rules, an audit trail and a clean sync to your books stop being nice to have.
If you source from several vendors, the payment method matters more than the plan tier. My supplier guide covers how to find and vet them, and it is worth asking each one how they want to be paid before you set up their record. A supplier who takes ACH costs you $0.59. One who insists on a USD wire costs $19.99 each time.
BILL is also a business tool, so the foundation comes first. A registered entity, a business bank account and clean books make everything here easier, and my guide to business formation for high-ticket dropshipping walks through that setup. None of this is legal or tax advice.
Who Should Probably Skip It
Skip BILL for now if you have not picked a niche, do not have a supplier, or pay fewer than ten vendor bills a month. Software spend should follow revenue, not come before it. If you are still choosing what to sell, my high-ticket niches list is a better use of your week than a payables workflow.
Who It Fits
BILL fits a store that already has an accounting system, more than one person handling bills, and enough monthly payments that manual entry hurts. It also fits an owner who wants approvals separated from payment, so the person who enters an invoice is not the only person who can release money. For a deeper opinion on the product itself rather than only the price, read my BILL review.
How to Keep Your BILL Cost Down
- Count the users who really need to create or pay bills. Each seat is $49 to $89 a month, and the pricing page shows discounts only for approver-only users on Corporate and Enterprise.
- Ask vendors to take ACH at $0.59 or a virtual card at no fee, and avoid the $19.99 international USD wire when a local or FX transfer works.
- Use standard ACH timing with the 10:00 am PT and 6:00 pm PT cutoffs instead of the $11.99 Pay Faster ACH unless the payment truly cannot wait.
- Avoid paying large invoices by card unless the benefit is worth the 2.9% fee.
- Check for failed-payment and void-check fees, which are $50.00 and $25.00, by keeping bank balances funded and vendor details current.
BILL vs Doing It Inside Your Accounting Software
QuickBooks and Xero both let you enter bills and mark them paid, so BILL is not required to keep books. What BILL adds is the approval workflow, the vendor network, the payment execution and the sync. The question is whether that is worth $49 to $89 per user plus fees. If your payables are light, the accounting software alone may do, and my roundup of the best accounting software for small business compares the options on price and fit.
If you only need expense tracking and cards, BILL’s Spend and Expense plan at $0 per user is a separate decision from the AP and AR plans, and you could compare it against alternatives such as those in my Expensify alternatives guide. The advantage of a single vendor is one login and one set of reports. The disadvantage is that a card, a payables tool and an invoicing tool from one company can be hard to leave later.
My Verdict on BILL Pricing
BILL’s pricing is clear at the plan level and harder to predict at the payment level. The $49, $65 and $89 prices are easy to compare, and the fee table is generous about the cheap options, with virtual cards and FX transfers listed as free. The costs that surprise people are the per-user multiplication, the plan gate on automatic accounting sync, the 2.9% card fee and the $19.99 USD wire. The missing pieces are a published trial length, an annual price and the price of the procurement add-on.
My opinion: price Team first if you use QuickBooks Online or Xero, count your ACH volume and wires carefully, and use the trial to test one real month of vendor bills before you commit. If you want to look at the plans yourself, BILL’s current pricing page is here. As always, this is not financial advice, terms change, and you should check the provider.
Frequently Asked Questions
How much does BILL cost per month?
As of November 2026, BILL’s pricing page lists Essentials at $49, Team at $65 and Corporate at $89 per user per month, with Enterprise on custom pricing and Spend and Expense at $0. Payment fees such as $0.59 per ACH payment are charged on top, and the page shows no annual price.
Does BILL charge per payment?
Yes. The page lists $0.59 for ACH, $1.99 for a mailed check, 2.9% for paying by card, $19.99 for an international USD wire and 1.0% (minimum $9.99, maximum $100) for instant payment. Virtual card payments are listed as free.
Does BILL work with QuickBooks and Xero?
Yes, but the sync depends on the plan. Team, Corporate and Enterprise list automatic 2-way sync with QuickBooks Online and Xero, while Essentials lists manual CSV import and export. QuickBooks Enterprise and NetSuite sync are listed on Enterprise only.
Is there a BILL free trial?
The pricing page says a free trial is available in most cases for the AP and AR plans. It does not state the length or whether a card is required, so check the signup screen before you plan around it.
What is the difference between BILL AP and AR?
Accounts payable covers bills you owe, including capture, approval and payment to vendors. Accounts receivable covers invoices you send to customers, with reminders and ACH or card collection, and the pricing page says AR features are included in all direct plans.
Related Articles
If you are weighing payment and accounting tools for your store, these guides go deeper on the details.
- BILL Review 2026: The Best Accounts Payable Software for Ecommerce Businesses?
- QuickBooks Pricing 2026
- Xero Pricing 2026
- 7 Best Melio Alternatives for Ecommerce Bill Pay in 2026
- Best Accounting Software for Small Business in 2026: Top 10 Picks for Ecommerce
Trevor Fenner is an ecommerce entrepreneur and world traveler from Seattle, Washington, and the founder of Ecommerce Paradise, a platform focused on helping entrepreneurs build and scale profitable high-ticket ecommerce and dropshipping businesses. With over a decade of hands-on experience, Trevor specializes in high-ticket dropshipping strategy, niche and product selection, supplier recruiting and onboarding, Google & Bing Shopping ads, ecommerce SEO, and systems-driven automation and scaling. Through Ecommerce Paradise, he provides free education via in-depth guides like How to Start High-Ticket Dropshipping, advanced training through the High-Ticket Dropshipping Masterclass, and fully done-for-you turnkey ecommerce services for entrepreneurs who want a faster, more hands-off path to growth. Trevor is known for emphasizing sustainable, real-world ecommerce models over hype-driven tactics, helping store owners build scalable, sellable, and location-independent brands.
He maintains homes in Seattle and Bali, spends most of the year overseas, and usually returns to Seattle for about a month each summer.
