BILL Spend & Expense pricing 2026: plans and costs
How AI answers describe BILL Spend & Expense pricing
BILL Spend & Expense — $0 per user with corporate cards, receipt matching, budgets, and expense controls; card approval may be required.
Compared to: Ramp · Expensify · Zoho
- Card-First / Interchange Revenue (Free Software): Many modern spend-management platforms (such as Ramp, BILL Spend & Expense/Divvy, and Brex) offer their core expense software entirely for free ($0/u s e r/m o ).
- Free / Card-Linked Platforms: Options like BILL Spend & Expense are free to use with $0 monthly or annual subscription fees when utilizing their integrated corporate cards.
Quick pricing summary
- Spend & Expense: $0 user/month
- Essentials (AP & AR): $49 user/month
- Team (AP & AR): $65 user/month
- Corporate (AP & AR): $89 user/month
- Enterprise (AP & AR): Custom (custom pricing)
- Worth noting: Spend & Expense is free ($0/user/month); AP & AR plans are separate paid per-user subscriptions with a free trial available in most cases (length not stated). Per-transaction fees apply regardless of plan. Spend & Expense column in matrix reflects AP/AR features not included.
Plans
Spend & Expense
$0 user/month
- Corporate cards
- Budgets
- Expense tracking
- Access to credit lines from $1,000-$5M (not guaranteed)
- No subscription or per-user software fees
Essentials (AP & AR)
$49 user/month
- Manual CSV import/export with accounting software
- Automate approval workflows
- Pay by ACH, virtual card, credit card, and more
- Automatic W-9 collection and verification
- 6 standard user roles
- Create custom invoices
- Automate payment reminders
- Auto-charge and auto-pay
Team (AP & AR)
$65 user/month
- Automatic 2-way sync with QuickBooks Online/Pro/Premier and Xero
- AI multi-line bill coding with Invoice Coding Agent
- Custom user roles
- Cash flow forecasting (QBO users)
- All Essentials features
Corporate (AP & AR)
$89 user/month
- Custom approval policies
- Discounts for approver-only users
- Procurement: purchase requests, purchase orders, tolerance rules, 2-way matching
- Single sign-on
- Multi-entity, multi-location accounting
- All Team features
Enterprise (AP & AR)
Custom custom pricing
- Automatic 2-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica, Rillet
- PO sync and 2- and 3-way matching
- Dual control
- Premium phone support
- All Corporate features
What you get on each plan
| Feature | Spend & Expense | Essentials (AP & AR) | Team (AP & AR) | Corporate (AP & AR) | Enterprise (AP & AR) |
|---|---|---|---|---|---|
| Automate approval workflows | — | ✓ | ✓ | ✓ | ✓ |
| AI multi-line bill coding (Invoice Coding Agent) | — | — | ✓ | ✓ | ✓ |
| Custom approval policies | — | — | — | ✓ | ✓ |
| Custom user roles | — | — | ✓ | ✓ | ✓ |
| Discounts for approver-only users | — | — | — | ✓ | ✓ |
| QuickBooks Online/Pro/Premier & Xero | — | Via manual CSV import/export | Automatic 2-way sync | Automatic 2-way sync | Automatic 2-way sync |
| NetSuite, Sage Intacct, Dynamics, QB Enterprise sync | — | — | — | — | Automatic 2-way sync |
| Procurement (POs, purchase requests, matching) | — | Via Procurement add-on | Via Procurement add-on | ✓ | ✓ |
| API access | — | ✓ | ✓ | ✓ | ✓ |
| Cash flow forecasting (QBO users) | — | — | ✓ | ✓ | ✓ |
| Single sign-on | — | — | — | ✓ | ✓ |
| Multi-entity, multi-location accounting | — | — | — | ✓ | ✓ |
| Dual control | — | — | — | — | ✓ |
| Premium phone support | — | — | — | — | ✓ |
Hidden costs & add-ons
| Cost driver | Price | When it applies |
|---|---|---|
| Procurement add-on | Not stated | Essentials, Team |
| ACH/ePayment | $0.59 per transaction | All plans |
| Check (mailed) | $1.99 per check | All plans |
| International USD Wire | $19.99 | All plans |
| Instant Payment | 1.0% ($9.99 min, $100 max) | All plans |
| Pay by card | 2.9% | All plans |
| 1099 E-filing to IRS | $2.99 per 1099 | All plans |
BILL Spend & Expense pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| BILL Spend & Expense | Free; paid from $49 per seat / mo | Yes | Per seat | — | |
| Ramp | Free; paid from $15 per seat / mo | Yes | Per seat | Startups and global enterprises alike; the free plan suits smaller teams that want to simplify finances. | Compare → |
| Expensify | — | — | — | Individuals organizing their own expenses, and businesses managing expenses for teams of any size | Compare → |
| Zoho | — | — | — | Businesses of all sizes, from startups to enterprises, wanting one suite for sales, support, finance and HR | Compare → |
| Brex | Free; paid from $12 per seat / mo | Yes | Per seat | Startups, mid-size companies and enterprises that want cards, expenses, bill pay and travel in one platform | Compare → |
List prices as published on www.bill.com:443/product/pricing. Totals are worked examples, not quotes.