BILL (formerly Bill.com, NYSE: BILL) is a cloud-based accounting and financial operations software platform that automates the back office for small and mid-sized businesses and the accounting firms that serve them. It brings Accounts Payable, Accounts Receivable, and Spend & Expense (corporate cards, budgets and expense management, formerly Divvy) into one system, syncing two-way with QuickBooks, Xero, NetSuite, Sage Intacct and Microsoft Dynamics.
On the AP side, BILL captures bills from a central inbox, uses AI agents to code multi-line invoices and collect W-9s, routes approvals, and pays vendors by ACH, virtual card, check or international wire through its network of 8M+ members. AR lets you send custom and recurring invoices, automate reminders and get paid by ACH or card. BILL Spend & Expense is free software paired with the BILL Divvy Card: unlimited physical and virtual cards, budget-level spend controls, AI receipt matching and credit lines from $1,000 up to $5M, subject to approval. The company reports that 98 of the top 100 US accounting firms partner with BILL.
Forward or upload bills into a centralised inbox; BILL’s Invoice Coding Agent reads multi-line invoices, codes them to your chart of accounts, and routes them through standard or custom approval policies before payment. Unlimited document storage is included.
Create branded one-off or recurring invoices, track status, send automated payment reminders, and accept ACH and card payments with auto-charge and auto-pay options so you get paid up to 2x faster.
Unlimited physical and virtual BILL Divvy Cards tied to budgets, real-time transaction tracking, AI receipt capture and transaction coding, employee reimbursements and rewards — with $0 software or per-user fees.
Apply for a credit line from $1,000 to $5M through Spend & Expense, then allocate it across team budgets with proactive spend controls. Credit is subject to approval and not guaranteed.
Pay vendors by ACH ($0.59), virtual card (free), mailed check ($1.99), same-day or next-day Pay Faster ACH, instant payment, or international FX wires to 130+ countries with no wire fee on local-currency transfers.
Team and Corporate plans sync automatically with QuickBooks Online, Pro, Premier and Xero; Enterprise adds QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica and Rillet.
Create purchase requests and purchase orders, set tolerance rules, run 2-way (or 3-way on Enterprise) matching, and add unlimited purchase requesters for free. Included on Corporate and above, add-on on lower tiers.
Accounting firms manage every client entity from one console at wholesale pricing, with the option to resell AP/AR subscriptions and earn NASBA-certified CPE credits through BILL training.
BILL packs AP automation with AI invoice coding and W-9 collection, AR invoicing with automated reminders, a free Spend & Expense product with corporate cards and budgets, business credit lines, procurement with PO matching, cash-flow forecasting for QuickBooks Online users, 1099 e-filing, API access, and mobile apps for both AP/AR and Spend & Expense into one platform. Higher tiers add custom roles, custom approval policies, SSO, multi-entity accounting, dual control and ERP integrations for NetSuite, Sage Intacct and Microsoft Dynamics.
Independent BILL reviews and walkthroughs covering AP/AR setup, the Spend & Expense card, the AI transaction agent, pricing and alternatives.
BILL is built around the core financial-operations workflows that finance teams and accounting firms run every week.
BILL prices AP & AR per user per month, while Spend & Expense is free. Prices below are from bill.com/product/pricing (USD, direct customers). A free trial of AP/AR is available in most cases, and per-transaction fees (ACH $0.59, check $1.99, card 2.9%, international USD wire $19.99) apply on every plan.
AP or AR with manual CSV import/export to your accounting software, standard approval policies, 6 standard user roles, W-9 Agent, BILL network vendor payments and API access. Best for very small teams on a single workflow.
Everything in Essentials plus automatic 2-way sync with QuickBooks Online/Pro/Premier and Xero, the AI Invoice Coding Agent, custom user roles and cash-flow forecasting for QBO users. The sweet spot for most small businesses.
Adds custom approval policies, discounted approver-only seats, single sign-on, multi-entity/multi-location accounting and full Procurement (purchase requests, POs, tolerance rules, 2-way matching).
All Corporate features plus 2-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica and Rillet, 3-way PO matching, dual control and priority phone support.
Free software with unlimited physical and virtual BILL Divvy Cards, budgets, AI receipt matching, reimbursements, rewards and credit lines from $1,000 to $5M (subject to approval). You pay no subscription — BILL earns on card interchange.
The AP & AR Partner plan gives firms the Accountant Console with wholesale client pricing and 10–20% volume discounts; the Spend & Expense Partner plan is free for the firm and its clients.
BILL does not currently publish public coupon codes. The best available deals right now are:
We are an official BILL partner and will post any exclusive Ideal Online Business promo code here the moment one is issued — bookmark this page.
BILL AP/AR holds a 4.4/5 on G2 from more than 1,700 reviews, with reviewers consistently praising ease of setup, the QuickBooks Online sync and the hours saved on vendor payments. Capterra users rate it 4.1/5 across 560+ reviews; the recurring critiques are per-user cost, transaction fees and slow support on lower tiers. BILL Spend & Expense (formerly Divvy) is one of the best-rated spend-management tools on G2, with users highlighting the free pricing, budget controls and the mobile app. We have not independently verified current aggregate scores — check G2 and Capterra for the latest.
If BILL isn’t the right fit, these are the platforms it is most often compared with:
Browse more accounting software reviews or compare BILL with Xero for full bookkeeping.
Common questions before signing up for BILL.
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