Bill.com pricing for accounts receivable: plans, fees and what it costs to get paid

BILL publishes three direct plans: Essentials at 49 dollars per user per month, Team at 65 dollars and Corporate at 89 dollars, with a custom Enterprise tier above them. Accounts payable and accounts receivable are both included in every one of those plans. That subscription is the number every review quotes, and for most receivables teams it is the smaller half of the bill. The other half is transaction fees, and BILL charges them on the receiving side as well as the paying side. Get those two numbers in the same spreadsheet before you decide anything.

This matters because BILL is the only major accounts receivable platform that publishes a list price at all. Versapay, HighRadius, Billtrust, Quadient AR by YayPay, Invoiced and Gaviti all route you to a form. So BILL is the one vendor you can actually budget for without a sales call, which is a genuine advantage. It also means it is the one vendor whose true cost you can get wrong without ever noticing, because the subscription looks trivial next to a percentage fee on money you are already owed.

How much does Bill.com cost per month?

Here is the published pricing as of August 2026, taken directly from the BILL pricing page. Prices are per user per month.

Per-user pricing is the part to watch as you grow. A four-person finance team on Corporate is 356 dollars a month, or 4,272 dollars a year, before a single transaction fee. That is still cheap against the category. It is worth noting that most dedicated AR platforms do not price per seat at all, so a team that keeps adding approvers can find the comparison flips as headcount rises rather than as invoice volume rises.

What fees does Bill.com charge to receive a payment?

This is the number that almost no comparison article covers, because most of them are written for accounts payable buyers who only care what it costs to send money. BILL publishes a receiver fee alongside the payer fee. If you are using BILL for receivables, the receiver column is your column.

Read the two right-hand columns next to each other. ACH is effectively free and does not move with invoice size. Card is a percentage and moves with everything. On a 40,000 dollar invoice, one customer choosing to pay by card costs you 1,160 dollars, which is more than three months of a four-person Corporate subscription. Nothing about that is hidden or unusual, it is roughly standard card economics, but it belongs in your cost model and it usually is not there.

The practical exercise takes twenty minutes. Pull last quarter of collected invoices, split them by how the customer actually paid rather than how you hoped they would, and apply those rates. Most US B2B sellers find 80 to 95 percent of collected dollars arrive by ACH or check, which makes BILL extraordinarily cheap. Sellers with many small invoices, consumer-adjacent customers or a self-service payment page skew hard toward card, and those are the ones who get surprised.

Does Bill.com charge a fee to accept credit card payments?

Yes. The receiver pays 2.9 percent on a credit or debit card payment. There is no published flat-rate alternative and no published volume discount on that rate. If a customer pays a card-funded ACH, the payer is charged 2.9 percent instead, so the fee moves rather than disappears. The rate is in line with what most B2B payment processors charge, so this is not a reason to avoid BILL specifically. It is a reason to be deliberate about which payment methods you put in front of which customers.

Is Bill.com worth it for accounts receivable?

For a small business collecting mostly by ACH, yes, and it is hard to beat on price. For a team where chasing invoices is somebody real job, the answer depends on what BILL does not include. Its accounts receivable product page publishes invoicing with templates and automatic numbering, ACH and card acceptance, automated reminders, invoice status tracking, two-way sync of customers and invoices, and auto-charge with auto-pay. It claims customers get paid twice as fast, which is a vendor claim rather than an audited figure.

What is not on that page is the useful part. There is no published escalating dunning sequence where the message, channel and owner change as an invoice ages. There is no dispute or query workflow. There is no cash application software that matches an unexplained lump deposit back to the invoices it covers. There is no credit limit or risk scoring. And nothing places an outbound call. Those five gaps are precisely what the dedicated receivables platforms sell, which is why the honest comparison is not BILL against a cheaper BILL, it is BILL against a different category.

How does Bill.com pricing compare to other AR automation software?

Every other platform in this category quotes. What we can compare is buyer-reported data, which is directional rather than a rate card because it comes from one population of negotiated deals. Vendr reports a median of about 12,973 dollars a year for HighRadius, 17,062 dollars for Tesorio and 36,778 dollars for Versapay. HighRadius moved to outcome-based pricing in February 2026, with no implementation fee and no subscription until go-live. Quadient AR by YayPay publishes only a form and a revenue qualifying floor.

So the shape of the market is a large gap. BILL sits at roughly 600 to 4,300 dollars a year for a small team plus transaction fees, and the dedicated platforms start around ten to fifteen thousand and climb. There is very little in between, which is the actual reason so many growing companies stay on BILL longer than the product fits them. Our own model is a flat monthly fee with no per-seat charge and no percentage of what gets collected, which is deliberately built for that gap. We cover the full picture on AR automation pricing.

When does Bill.com stop being the cheapest option?

Watch for four triggers, and they tend to arrive in this order.

The first is card mix. Once a meaningful share of collected dollars comes in by card, 2.9 percent starts showing up in margin analysis as a line nobody planned. The second is headcount, because per-user pricing scales with approvers rather than with invoices, so a team that adds two controllers pays more without collecting anything faster. The third is chase time: at somewhere around 150 to 250 open invoices, one person quietly loses half a week to following up, and that salary cost is invisible in a software comparison. The fourth is cash application, which is the one that never gets better on its own. When 190,000 dollars lands as a single ACH covering 31 invoices with two early-payment discounts and one short pay, somebody exports the bank statement to a spreadsheet, opens the remittance PDF beside it, and works it out by hand.

Any one of those on its own is survivable. Two together usually mean the subscription saving has been eaten by labor you are not counting. That is the point to look at Bill.com competitors seriously rather than renewing by default.

Can you avoid Bill.com card fees?

Partly, and legally the options are narrower than people assume. You can make ACH the default and most visible payment option, which is the single most effective change and costs nothing. You can set terms that offer a small early-payment discount for ACH, which usually beats 2.9 percent. You can set a minimum invoice value above which card is not offered. Surcharging customers to recover the fee is regulated at both state and card network level in the US and needs real legal review, so treat it as a project rather than a setting.

The structural option is to move the payment page. If your AR platform accepts payment directly and prices ACH flat, the card question becomes a customer-experience decision instead of a percentage of revenue. That is also usually the moment teams reconsider whether one subscription should cover both halves of the ledger, since automating the payables side is a genuinely separate problem with its own software category and its own buying criteria.

Is Bill.com cheaper than hiring an AR clerk?

Dramatically, and that is not the right comparison. A part-time AR clerk in the US runs roughly 30,000 to 45,000 dollars a year fully loaded, against a few thousand for BILL. But BILL does not do what the clerk does. It sends the invoice and the reminder. The clerk decides which of 40 overdue accounts to work today, calls the ones that matter, hears that the invoice never reached the right approver, gets it resubmitted, and records that accounts payable promised Friday.

The real comparison is BILL plus a person against a platform that does the chasing itself. That is the choice most teams are actually making when they start looking at Bill.com alternatives, and it is why a straight subscription-against-subscription comparison so often points at the wrong answer. If you want the head-to-head against the mid-market portal option, we set it out on Bill.com vs Versapay. If your books are in QuickBooks, the shortlist narrows further, and accounts receivable software for QuickBooks covers which vendors publish a connector at all.

One last note on verification. Pricing pages change, and this one was checked in August 2026. Before you sign, open the BILL pricing page yourself, find the receiver column in the fee table, and confirm the ACH and card rates have not moved. Any vendor that will not show you that table in writing is telling you something.