July 9, 2026
We started building BILL AI agents with one promise: not to make your finance team’s work faster—but to make it disappear. This quarter, that promise got a lot more real.
Here’s what we've been shipping.
Agents keep getting smarter
W-9 Agent: the whole workflow is now autonomous
When we launched the W-9 Agent, it eliminated over 80% of the steps* involved in collecting and validating W-9s—automatically emailing vendors, following up, and validating TINs. Accounting firms like Hiline called it a year-end game changer: no more scrambling for missing forms, no more December fire drills.
We kept pushing.
The W-9 Agent is now on by default. No setup required—the moment a new vendor is added, the agent starts working. We’ve also added auto-approval: when the agent validates W-9 information with high confidence, it approves it automatically.
The full workflow—request, collect, validate, approve—is now autonomous. End to end.
"The difference is felt most at year-end when chaos and fire drills around W-9s are replaced by proactive, seamless resolution." — Eric Cohen, CPA, Head of Technology, Hiline
Transaction Agent: now available for every Spend & Expense customer
From the moment a card is swiped, the Transaction Agent captures receipts automatically via Gmail, Lyft, and other integrations. When a receipt is missing, it generates one. It then codes every transaction field using merchant data, your company’s coding history, and receipt details—and gets more accurate the more your team uses it.
By the time you look at a transaction, the work is already done. You stay in control: choose which fields to automate, override anything at any time, and see every AI action in a full audit trail. Included with BILL Spend & Expense at no additional cost. Enabled by default.
"Between the Gmail integration, auto-matching, and auto-coding, it's truly a one-stop shop. I have a screen recording of me submitting a receipt and it takes me seconds." - Krystal Thompson, Senior Software Solutions Advisor, Advisors for Change**
Invoice Coding Agent: the hours keep compounding
Since launching in February, the Invoice Coding Agent has been stacking time savings across our AP customer base—cutting multi-line invoice coding steps by up to 89%*** and slashing processing time nearly in half.****
At Ledgerly Consulting, AI-driven workflows reduced reconciliation time by 60% and freed capacity equivalent to more than half a full-time employee—now reinvested in strategy and client advisory.
Smart Response Agent: 8.5 hours a week. Reclaimed.
The average AP team spends 8.5 hours every week answering the same questions: payment status, outstanding bills, account reconciliation. At midsize companies, that climbs to 15.3 hours—nearly two full business days—on work that shouldn’t require a human.†
The Smart Response Agent automatically drafts responses to routine vendor inquiries. Now in closed beta with over 500 organizations, with improved vendor search and better response quality built in since the alpha. Some teams are reclaiming nearly three full days a month.
“BILL’s Smart Response Agent has transformed how we reconcile vendor statements across our 35 companies. What used to take hours of manual invoice matching now takes 30 minutes — the AI automatically reviews each invoice’s status and returns a detailed breakdown of what’s paid, what’s outstanding, and what’s missing. That’s capacity our team can redirect toward the work that actually moves the business forward.” - Kayte Moran, Director of Accounts Payable at Ignite Medical Resorts
The rest of the platform is moving too
We’re building BILL to cover the full arc of how finance actually works: setting guardrails before money moves, making spend seamless in the moment, and getting cash back into the business faster. Here’s how we delivered on that promise this quarter:
Travel that manages itself
Business travel is one of the last high-friction workflows in finance—employees book in one tool, receipts live somewhere else, and finance finds out about it at month-end. BILL Travel closes that loop.
You can now book in-policy flights and hotels without leaving BILL Spend & Expense—across 500+ airlines and 1.5M hotels. Charges hit BILL cards automatically, receipts attach from booking confirmations, and everything ties back to your budgets and reporting in real time. Travel workflows are cut by more than 85%, saving our customers an estimated 105,000+ hours every month. No booking fees. No inventory markups.
Control spend before it happens
Smart financial operations start upstream—before any money moves. This quarter, we made it easier to set guardrails and actually stick to them.
BILL Procurement now syncs purchase orders with QuickBooks Online bidirectionally. When an invoice arrives, BILL matches it to the authorized PO automatically—so you only pay for what was approved. No manual reconciliation. No paying for things that weren’t sanctioned. Eligible customers can try it free for two pay cycles.
We also redesigned how spend policies work in BILL Spend & Expense. Approvals, receipt rules, and spend limits now live in their own dedicated spaces instead of being bundled together. The result: faster to navigate, faster to update, and less likely to have the wrong rule apply in the wrong situation.
Get paid faster. Stay in sync.
Cash flow works in both directions, and we improved both this quarter. New Payment Links let you send a secure payment URL by email or text—customers pay via ACH or credit card without needing a new invoice. Paired with expanded AR API automation and real-time webhooks, it’s meaningfully easier to accelerate receivables.
And for high-growth teams using Rillet’s AI-native ERP: BILL and your general ledger can now stay in continuous sync—no manual exports, no month-end reconciliation scramble. It’s a step toward a zero-day close, and a sign of where the whole category is heading.
More control, fewer clicks
We've rebuilt core pages across the platform so the information you need and the action you need to take are in the same place. Grids now support sorting, filtering, and search—so you can find what you need and act on it faster.
More to come
At BILL, everything we build is in service of the same mission: giving the Fortune 5 Million - the small and midsize businesses that power our economy - the financial horsepower of a Fortune 500 company. Our Q4 updates are another step in that direction.
* Based on BILL's analysis of a typical 12-step W-9 collection process. Results may vary.
** Results as reported by Advisors for Change based on internal analysis of workflows across clients using the BILL Platform May 2026. Results are based on the experience of a specific customer and are not a guarantee of future performance. Actual results will vary. 2The BILL Divvy Card may be issued by one of Divvy Pay, LLC’s bank partners (bill.com/bank-partners). The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement.
***Based on BILL’s analysis of processing a medium complexity bill; performance may vary.
****Based on BILL’s analysis of the top 20% of common bills assuming consistent doc layouts and user behaviors; results will vary.
† BILL AP Automation Survey, April 2025 (n=397).
