Once you're managing more than a few vendor bills or customer invoices a month, doing accounts payable and receivable by hand starts costing real time — and creates real room for mistakes.
Automates the bills you pay and the invoices you send — without hiring an AP clerk.
Bill.com captures incoming vendor bills, routes them through an approval chain, and pays them by ACH, check, or wire — then syncs the whole thing into QuickBooks automatically. On the receivable side, it automates sending invoices and chasing payment, so it speeds up both directions of your cash flow, not just the outgoing one. It's priced per user plus a fee on every payment, so it earns its keep once you have real bill volume or more than one person touching approvals — not for a solo founder paying two vendors a month.
| Best for | Businesses paying more than a handful of vendor bills a month, or wanting to speed up collecting from customers |
|---|---|
| Starting price | Essentials ~$45/user/mo, Team ~$55/user/mo, Corporate ~$89/user/mo — plus a separate fee per payment (roughly $0.49–$0.59 ACH, ~$1.99 check, ~$9.99–$11.99 wire, ~2.9% card) |
| Free trial | Yes — a free trial is available, plus a no-cost Spend & Expense plan for teams that just need corporate cards and budgets |
| Setup time | A day or two to connect your bank and accounting software and invite approvers |
| Pairs well with | QuickBooks Online — bills and payments sync directly into your books |
Pricing checked August 2026 based on published rates — per-user and per-payment fees mean your real monthly cost depends on headcount and payment volume, not just the plan tier. Confirm current pricing before you buy.
If you're a solo founder paying two or three vendors a month, the per-user subscription plus per-payment fees can cost more than the time it saves — just paying directly from your bank or using QuickBooks' built-in bill pay may be enough for now. It's also worth doing the math before adding a long chain of approvers, since Corporate-tier per-user pricing adds up fast on a large team.
No — it pairs with it. Bill.com handles the bill-pay and invoicing workflow, then syncs the resulting transactions into QuickBooks so your books stay accurate without double entry.
On top of the per-user subscription, Bill.com charges per payment sent — roughly $0.49–$0.59 for ACH, about $1.99 for a mailed check, $9.99–$11.99 for an international wire, and around 2.9% for card payments. These add up separately from your plan cost, so factor in how you actually pay vendors.
Probably not yet. It starts earning its cost once you have real, recurring vendor bill volume, want to delegate approvals to someone else, or are spending real time each month chasing customer payments.
Yes — the accounts receivable side automates sending invoices, reminders, and accepting online payment from customers, so it covers both directions of cash flow, not just what you owe.