Bill.com

bill.com
Financial Management
Few Days

Automate your financial operations end-to-end

How to Replace Bill.com

Overview

Bill.com is a cloud-based platform that automates accounts payable, accounts receivable, and payroll processes for small and mid-sized businesses. It streamlines invoice management, bill payment, and expense tracking to improve cash flow and reduce manual work.

Features

46 features across 17 categories

Accounting(2)

Bank ReconciliationAI

Automated matching of transactions with bank statements.

Department Allocation

Automatically allocate expenses to departments and cost centers.

Also in: Jobber, Melio, Lemonway

Accounts Payable(4)

Bill Management

Capture, organize, and pay bills from a centralized dashboard.

Email-to-Bill CaptureAI

Forward invoices via email and automatically capture bill details.

Recurring Bill Automation

Set up automatic payment schedules for recurring vendor bills.

Vendor Portal

Allow vendors to submit invoices directly through secure portal.

Also in: Xero, Ramp, Tipalti

Accounts Receivable(5)

Customer Portal

Enable customers to view invoices and make online payments.

Invoice AutomationAI

Automatically send payment reminders and manage collection workflows.

Invoice Management

Create, send, and track invoices with automated payment reminders.

Invoice Template Customization

Create branded invoice templates with company logo and colors.

Late Payment Tracking

Monitor overdue invoices and track payment history by customer.

Analytics(1)

Expense AnalyticsAIPremium

Visualize spending patterns by vendor, category, and department.

Also in: Hugging Face, Notion, Smartsheet

Cash Flow Management(3)

Early Payment DiscountsPremium

Track and capture vendor early payment discount opportunities.

Payment Scheduling

Schedule bill payments in advance to optimize cash flow.

Real-time Cash Flow Visibility

Dashboard showing upcoming bills and expected payments for cash forecasting.

Compliance(4)

1099 Management

Track vendor payments and generate 1099 forms automatically.

Audit Trail

Complete transaction history and user activity logs for compliance.

SOC 2 Compliance

Certified compliance with security, availability, and confidentiality standards.

Tax CompliancePremium

Automated tax form generation and filing support for payroll.

Also in: Insider CDP, Airtable, 1Password

Data Management(1)

Bulk Import

Import bills and vendor data in bulk using CSV or Excel files.

Also in: monday.com, Notion, Airtable

Document Management(1)

Document Storage

Securely store invoices, receipts, and supporting documents.

Expense Management(4)

Duplicate Bill DetectionAI

AI-powered system automatically identifies and flags duplicate bills.

Expense Policy EnforcementPremium

Set spending limits and policies with automated compliance checks.

Expense TrackingAI

Automatically capture and categorize business expenses from receipts.

Receipt ScanningAI

Capture receipts using mobile camera and automatic OCR technology.

Integration(2)

API AccessPremium

REST API for custom integrations and third-party application connections.

Webhook SupportPremium

Real-time event notifications for bill approvals and payment completions.

Organization(1)

Multi-entity ManagementPremium

Manage bills and invoices across multiple business entities and locations.

Payment Processing(4)

ACH Transfers

Make secure ACH payments directly to vendor bank accounts.

Check Printing

Print and mail checks directly through Bill.com platform.

Credit Card ProcessingPremium

Process payments via credit card with integrated merchant services.

Multi-currency SupportPremium

Process bills and payments in multiple currencies with live exchange rates.

Payroll(5)

Benefits AdministrationPremium

Manage health insurance, 401k, and other employee benefits.

Direct Deposit SetupPremium

Enable employees to set up direct deposit for salary payments.

Employee Self-Service PortalPremium

Employees can view pay stubs, tax documents, and update personal info.

Payroll ProcessingPremium

Process payroll, tax filings, and employee payments seamlessly.

Time Tracking IntegrationPremium

Sync time tracking data for accurate payroll processing.

Procurement(2)

Purchase Order ManagementPremium

Create, approve, and match POs to receipts and invoices.

Vendor Management

Centralized vendor database with contact info, tax IDs, and payment terms.

Reporting(1)

Custom Report BuilderPremium

Create custom financial reports with flexible filters and grouping.

Security(3)

Data Encryption

Bank-level encryption for data in transit and at rest.

Role-based Access Control

Set granular permissions for users based on departmental roles.

Two-Factor Authentication

Enhanced security with SMS or authenticator app verification.

Workflow Automation(3)

Approval Workflows

Customize multi-level approval hierarchies based on amount or vendor.

Batch Processing

Process multiple bills or payments simultaneously to save time.

Mobile Approval Workflow

Approve bills and invoices on-the-go with mobile app notifications.

Pricing

Starter

Free
  • Core bill and invoice management for small businesses

Plus

Popular
$99/mo
  • Enhanced workflows and payment options

Professional

$349/mo
  • Advanced automation and reporting

Premium

$999/mo
  • Full-suite with payroll and advanced features

Cost Calculator

Keep Paying Bill.com

Monthly$99/mo
Yearly$1.2k/yr
5-Year Total$5.9k

Build It Yourself

Est. Build Time~5 hrs
Hosting$20/mo
DifficultyEasy

Total Cost Comparison

1 YearSave $948
SaaS
$1.2k
DIY
$240
3 YearsSave $2.8k
SaaS
$3.6k
DIY
$720
5 YearsSave $4.7k
SaaS
$5.9k
DIY
$1.2k

DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 46 features at easy complexity.

Build vs Buy

Should you build a Bill.com alternative or buy the subscription? Estimate based on 46 features.

Buy Bill.com

Better Value
Monthly cost$990/mo
3-year total$35,640
Time to deployDays

Build Your Own

Development cost$36,000
Maintenance$540/mo
3-year total$55,440
Dev time~3 months

Buying Bill.com saves ~$19,800 over 3 years vs building.

Estimates based on 46 features and a BuildScore of 4/5. Actual costs vary.

Integrations

30 known integrations