BILL vs. Melio for financial operations

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

See how BILL can streamline your finances.
TOP 50
Small Business Products
2025
TOP 50
Accounting & Finance Products
2025
Business owners and finance professionals streamlining financial operations with BILL.
Companies that choose BILL

Top reasons to choose BILL over Melio

Seamless syncs

Get deeper integrations with QuickBooks Online and Xero—plus native supported direct sync with Sage Intacct, NetSuite, and Microsoft Dynamics 365 that Melio can't match.

More ways to pay

BILL offers payments via ACH, card, virtual card, and check—plus international payments to 130+ countries.

Flexible accounts receivable

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

Comparing BILL vs. Melio

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 Melio
Spend and expense management X

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.

Accounts payable Melio
Advanced approval workflows X
Custom user roles X
Unlimited document storage X
W-9 management & native 1099 filing X
International payments Available in 130+ countries and 100+ local currencies. Wire, Visa, Mastercard, Discover payments Available in 80 countries and 16 currencies. ACH, Mastercard or Visa payments only
Centralized inbox
Invoice data capture

Accounts receivable Melio
Advanced and customizable invoice creation X
Automated payment reminders X
Send recurring invoices X
Auto-charge & auto-pay X
Payment status tracking
Receive customer payments
Support Melio
Live human phone support for all X
Live human chat support for all

Mobile app Melio
AP & AR app AP only
Spend and expense app X

Integrations Melio
NetSuite X
Microsoft Dynamics 365 2 X
Sage Intacct X
QuickBooks
Xero
API integrations

2Microsoft Dynamics 365 integrations are only available for AP & AR.

Customers are saving time and money with BILL

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

Melissa Harris
Director of Accounting Operations

"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—at no extra charge for all users. Securely connect with +7M in-network vendors regardless of what accounting system you use.