BILL

Assessment

BILL is used by US small and midsize businesses and the accounting firms that run their books. It served 479,300 businesses at the end of June 2026, and its products cover accounts payable, accounts receivable, procurement, corporate cards, and expense management. Its paid plans run from $49 to $89 per user each month with published payment fees, which puts it in the middle of the market on price, and its closest competitors are Melio, Ramp, Tipalti, and Plooto.

René Lacerte founded the company in 2006 as CashView and still runs it as chief executive. It went public on the New York Stock Exchange in 2019 and bought Divvy and Invoice2go in 2021 and Finmark in 2022. In the fiscal year to June 2026 it reported revenue of $1,653.2M, up 13%, with core subscription and transaction revenue of $1,504.7M, up 16%. More than 9 million network members have sent or received an electronic payment through it.

It fits a business that pays and collects many invoices a month and wants approvals, payments, and accounting sync handled in one place. It is a weaker fit for a very small firm that pays a few bills, because per-user fees add up, and for a company with heavy cross-border needs, where specialist payout tools go further.

Rating by criterion

We score each of the eight criteria out of 100.

Sector criteria

Vendor criteria

Against its peers

These are the other companies in business banking and treasury, with their ratings.

User comments

We read BILL’s fiscal 2026 results and its public price list to see what buyers value, and set them against the main limit a buyer meets.

• Upside

  “BILL reports that its network keeps widening, with 9.2 million members sending or receiving electronic payments, up 11% in a year, which makes it easier to pay vendors who already use it.”

• Downside

  “Per-user plans and per-payment fees stack up, so a business with many approvers or many paper checks should model the full monthly cost before it commits.”

Where customer reviews couldn't be found, our analysts attempted to give a voice to buyer sentiment, drawing on real information from review sites, forums and product documentation.

Based on: BILL, fiscal 2026 results; BILL, pricing and plans.

Fact file

Competitive landscape

Accounts payable and spend platforms a US business would compare with BILL.

• BILL84
• Rho80
• Pleo79
• Melio79
• Plooto77
• Paystand74
• Spenda62
• RampNot reviewed
• TipaltiNot reviewed

Paystand competes with BILL on the receivables side, moving mid-market customers off checks and card fees onto bank-to-bank payments for a flat subscription where BILL charges per transaction on many payment types.

Comparisons

• Spenda vs BILL (Bill.com)
• BILL vs Melio
• Paystand vs BILL

Key leadership

• René Lacerte

René Lacerte founded BILL in 2006 and is its chief executive and board chair. He earlier ran the payroll company PayCycle, which Intuit bought.

How this review was created

This profile gives our own assessment of BILL to companies selecting a Business banking & treasury provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and BILL gave us no payment for the profile.

The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.

Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, public reviews and filings. Fact-checking took place on November 2, 2026.