Bill.com

BILL (formerly Bill.com) is a financial operations platform that automates accounts payable and accounts receivable for small and midsize businesses and their accountants. On the payables side, it captures bills (via email, upload, or AI data extraction), routes them through customizable approval workflows, and pays vendors by ACH, check, card, or international wire — replacing manual data entry, paper checks, and chasing approvals. On the receivables side, it sends invoices and collects payments faster. The platform's value is control and time savings. Multi-level approval policies enforce who can approve what; two-way sync with QuickBooks, Xero, NetSuite, and Sage Intacct keeps the books accurate without double entry; and a large vendor network streamlines payments and reduces fraud risk. Purchase orders, tolerance rules, and two-way matching on higher tiers add procurement controls, while audit trails and role-based access support compliance. BILL also offers spend and expense management and corporate cards as part of a broader financial operations suite. BILL serves SMBs, mid-market finance teams, and the accounting firms that support them, with approver-only seats to keep costs down as approval chains grow. Pricing is per user per month on annual terms — Essentials around $45, Team around $55, and Corporate around $89 — plus per-payment fees (for example ACH around $0.49 and checks around $1.99). It competes with Ramp, Melio, Tipalti, Stampli, and Expensify, differentiating on AP/AR automation depth and accountant adoption.