BILL vs. Expensify for financial operations

Take control of your accounts payable, accounts receivable, spend, and expenses with BILL's financial operations platform.

See how BILL can streamline your finances.
TOP 50
Small Business Products
2025
TOP 50
Accounting & Finance Products
2025
BILL vs Expensify Hero featuring payment approval
Companies that choose BILL

Top reasons to choose BILL over Expensify

Full suite for financial automation

From AP/AR to spend & expense management to cash flow forecasting, BILL has a full suite of tools to streamline your financial operations.

Flexible AP/AR

Pay and get paid—your way. With BILL, you can send and create invoices, configure payment reminders, and so much more.

Free tools, transparent pricing

Live phone and chat support from real, helpful humans seven days a week, plus white-glove implementation at no additional cost.

Comparing BILL vs. Expensify

See how BILL streamlines your financial operations from top to bottom—so you can get things done and get back to growing your business.

Spend & expense1 Expensify
Pricing Free-to-use software for all. Cost ranges from $0 per user per month to $36 per user per month, depending on your plan and the way you choose to pay.
Merchant controls X
Payment services X
Credit lines Multiple options that optimize cash flow or cash back with limits that don't fluctuate daily.3 A company-wide limit that may fluctuate daily based on a variety of factors.
Physical1 & virtual cards for all
Real-time transaction tracking and reporting
Rewards
Budget management 2
Receipt capture and matching
Auto-categorization 2
Reimbursement 2
Advanced approval workflow 2
Expense policies 2
Automated HRIS syncs 2
Google Pay & Apple Pay support

1The BILL Divvy Card may be issued by one of Divvy Pay, LLC’s bank partners. The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement.

2Available to Expensify Collect of Control customers only.

3Credit lines are not guaranteed and will be determined upon application approval.

Accounts payable Expensify
Pricing Tiered subscriptions based on the features and the number of users you need. Included in paid plans.
Custom user roles X
Securely connect with +7M in-network vendors X
Pay with ACH, card, check, and/or virtual card Only ACH and card.
International payments X
Advanced approval policies X
Unlimited document storage X
W-9 management & native 1099 filing X
Centralized inbox
Invoice data capture
Accounts receivable Expensify
Accounts receivable solution Only standard invoice templates and ACH and credit card payments
Support Expensify
Live human phone support for all X
Live human chat support for all

Mobile app Expensify
AP & AR
Spend and expense

Integrations Expensify
Microsoft Dynamics 365 4 AP/AR only.
QuickBooks 2
Xero 2
Netsuite 2
Sage Intacct 2
API Integrations

2Available to Expensify Collect or Control customers only.

4Microsoft Dynamics 365 integrations are only available for AP & AR.

Customers are saving time and money with BILL

"BILL Accounts Payable does it all in one shot, using the same process for both domestic and international payments."

Melissa Harris
Director of Accounting Operations

“[With BILL Spend & Expense] you could control the amount of [employee] spending. You could look at the budgets and receipts at any time, on a real time basis.”

Amy Liu
Founder and CEO

"With BILL Accounts Payable, I can process hundreds of payments efficiently [the same day we receive them] . . . That helps us take advantage of early payment discounts and maintain strong ties with our vendors."

Michelle Ranck
Controller

"With BILL, we can provide detailed impact reports . . . that kind of granular data helps our corporate partners demonstrate the real-world impact of their giving."

Luke Mickelson
Founder

"BILL Spend & Expense not only gives insights into real-time spending, but can help gauge future trends when cash flow may not be high."

Bryan Kroten
VP of Marketing

Join the nearly half a million businesses that put their trust in BILL

*As of June 30, 2024
**Based on a survey of 127 BILL Spend and Expense users conducted by UserEvidence in March 2022.
7.1M
total network members pay or get paid with BILL.*
$10K+
average monthly savings.**
12 hrs
saved monthly (on average).**
$300B
in total payment volume (~1% of US GDP).*
*As of June 30, 2024
**Based on a survey of 127 BILL Spend and Expense usersconducted by UserEvidence in March 2022.
See BILL in action
Discover how easy it is to streamline your financial operations.
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Frequently asked questions

What payment methods does BILL support?

BILL supports ACH, card, virtual card, check (including options to pay faster), and international payments to 130+ countries.

Can I use BILL for international business payments?

Yes. BILL supports international payments to over 130 countries, allowing businesses to pay international vendors efficiently and securely. You can even make payments in local currencies without wire fees, get competitive exchange rates for over 100 different currencies, and avoid bank intermediary fees.

Does BILL offer live support?

Yes. BILL offers live chat and phone support with real, live humans for all its customers.

What measures does BILL take to keep our payments secure?

BILL implements strict security measures to ensure the safety of your payments, including annual SOC1 and SOC2 Type II audits, AML and OFAC programs, advanced security software, 256-bit encryption, TLS for data transfer, two-step verification, secure data center facilities, processing through a digital payment network, virtual card payments, and Positive Pay for checks. Collectively, these measures protect your payment data and guarantee secure transactions. For more information visit bill.com/product/security.

Will BILL support our internal approval workflow?

Yes. With BILL, you can set up internal approval preferences and workflows, so bills can be reviewed and approved only by designated approvers. You can also create custom approval policies to fit specific needs: for example, if the approval process involves multiple approvers, you can set notifications to remind them when their participation is required. You can also utilize the BILL mobile app to approve or deny bills wherever you work.

Does BILL offer mobile apps?

BILL offers a full-featured, 5-star rated mobile app where you can manage both your AP and AR processes from wherever you're working today. BILL also offers The BILL Spend & Expense App, allowing you to manage budgets, expenses, and more from the palm of your hand.

What accounting software does BILL integrate with?

BILL integrates with many top accounting and financial software platforms to enhance your financial operations capabilities, including QuickBooks, NetSuite, Sage Intacct, Microsoft 365, and Xero. Securely connect with +7M in-network vendors regardless of what accounting system you use.