We may earn a commission if you buy through links on this page. It never changes a score or a ranking. How we make money
Paid plans start at $49/mo. There's also a free plan.
BILL has a free Spend & Expense plan, but it is not a free accounts-payable or accounts-receivable tier. Paid AP & AR starts at $49 per user per month for Essentials, with Team at $65 and Corporate at $89. Annual prices and free-trial duration are not published. Budget separately for transaction charges: ACH, checks, cards, wires, and faster payments can add fees beyond the per-user subscription.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Spend & Expense | — | $0 | Teams managing company spend |
| Essentials | — | $49 | Businesses needing core AP and AR |
| Team | — | $65 | Teams needing synced AP and AR |
| Corporate | — | $89 | Businesses adding procurement and controls |
| Enterprise | — | Quote | Organizations needing advanced integrations |
Add-ons and overages
- Procurement add-on for Essentials and Team; price not published.
- ACH/ePayment: $0.59 per transaction.
- Mailed check: $1.99; pay-faster checks: $14.99–$24.99.
- Credit or debit card payments: 2.9%.
- International USD wire: $19.99; FX transfers are free, with exchange rate applied.
- Instant payment: 1% ($9.99 minimum, $100 maximum); receiver instant transfer: 1.25% ($1 minimum).
- Pay Faster ACH: $11.99.
- 1099 fees: e-filing $2.99 each, Accountant Console e-filing $1.99, state filing $1.49, vendor mail delivery $1.99.
- Other listed fees include voiding a check ($25), failed ACH after receiver payment ($50), and mailed invoices ($1.99).
What a team pays per month
| Plan | 1 seat | 5 seats | 10 seats | 25 seats |
|---|---|---|---|---|
| Essentials | $49 | $245 | $490 | $1,225 |
| Team | $65 | $325 | $650 | $1,625 |
| Corporate | $89 | $445 | $890 | $2,225 |
02What the plan grid doesn't tell you
Transaction charges
ACH/ePayment costs $0.59 per transaction; mailed checks are $1.99, and pay-faster checks cost $14.99–$24.99.
Card and instant fees
Credit or debit card payments cost 2.9%. Instant payments cost 1% ($9.99 minimum, $100 maximum); receiver instant transfers cost 1.25% ($1 minimum).
Faster ACH
Pay Faster ACH costs $11.99 per transaction. Procurement is an add-on for Essentials and Team, but its price is not published.
Annual pricing
Annual prices and free-trial duration are not published, so compare using the monthly per-user rates and ask BILL about term-specific pricing.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Teams managing company spend | Spend & Expense | Choose it for corporate cards, budgets and expense tracking; the free tier does not include the core AP & AR plans. |
| Businesses needing core AP and AR | Essentials | Starts at $49 per user monthly, with standard approval policies and ACH, virtual-card and credit-card payments. |
| Teams needing synced AP and AR | Team | At $65 per user monthly, it adds two-way QuickBooks and Xero sync and AI multi-line bill coding. |
04Is BILL worth the money?
BILL can be worth pricing out if you want AP, AR, spend controls and payment tools in one platform, but the free label needs context: Spend & Expense is for company spend, while core AP & AR starts at $49 per user monthly. The subscription is not the full bill. Per-transaction payment charges, optional procurement and unpublished annual pricing make total cost harder to compare. We would compare the paid tier plus fees, not just the free plan.
BILL pricing FAQ
Does BILL have a free plan?
BILL lists Spend & Expense at $0 per user per month, with corporate cards, budgets, expense tracking and credit lines. It is not a free AP & AR plan: paid accounts-payable and accounts-receivable plans start with Essentials at $49 per user per month.
How much do BILL's paid plans cost?
Essentials costs $49 per user per month, Team costs $65 and Corporate costs $89. Enterprise has custom pricing. The pricing information does not list annual rates, so these monthly prices are the published figures to compare.
Does BILL offer annual pricing or a free trial?
Annual prices and free-trial duration are not published on the vendor's site. Paid AP & AR plans are priced per user per month. Enterprise pricing is custom, so ask BILL for a quote if contract terms or trial access affect your decision.
What fees can BILL charge beyond the subscription?
Listed charges include $0.59 per ACH/ePayment transaction, 2.9% for credit or debit card payments, and $1.99 for a mailed check. Faster payment options, international wires and 1099 services also have listed fees; procurement pricing is not published.