# Compare Xero vs BILL Accounts Payable & Receivable 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Xero and BILL Accounts Payable & Receivable based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/120109-166559/Xero-vs-BILL --- # Xero vs BILL Accounts Payable & Receivable Features and Cost Comparison Last updated April 15th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: XeroBILL Accounts Payable & Receivable2/4 selected [Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.1 (562)](https://www.capterra.com/p/166559/BILL/reviews/) [## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) Starting Price $25.00/month Value-for-Money 4.2 Functionality 4.3 Ease of Use 4.4 Customer Service 4 Reviews Sentiment Based on [3,290 reviews](#user-reviews) Positive 2,891 Neutral 239 Negative 160 [## BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.1 (562)](https://www.capterra.com/p/166559/BILL/reviews/) Starting Price $49.00/month Value-for-Money 3.9 Functionality 4.1 Ease of Use 4.2 Customer Service 3.8 Reviews Sentiment Based on [562 reviews](#user-reviews) Positive 457 Neutral 40 Negative 65 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 15,172 reviews from billing and invoicing software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 84%Fit High performer Feature ratings Invoice Creation 4.6 Invoice Processing 4.6 Payment Processing 4.5 Credit Card Processing 5.0 Quotes/Estimates 4.5 67%Fit Missing features Feature ratings Invoice Creation 4.1 Invoice Processing 4.2 Payment Processing 4.3 Credit Card Processing 3.0 Quotes/Estimates NA User satisfaction User satisfaction 4.4 User reviews[3,290](https://www.capterra.com/p/120109/Xero/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.2 Customer support 4.0 User satisfaction 4.1 User reviews[562](https://www.capterra.com/p/166559/BILL/reviews/) Ease of use 4.2 Functionality 4.1 Value for money 3.9 Customer support 3.8 Price starts from Price starts from $25Flat Rate, Per Month - Free version - Free trial Price starts from $49Per User, Per Month - Free version - Free trial Best for Best for Xero is an accounting software that caters to small businesses across multiple sectors, such as agriculture, construction, education, healthcare, hospitality, and more. Best for BILL (NYSE: BILL) is a leader in financial automation software for small and midsize businesses. We are dedicated to automating the future of finance so businesses can thrive. ## User reviews Pros & cons NC Nikki C. permit technician > "What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) DT Danielle T. AP, AR, Payroll > "When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7107297) NC Nikki C. permit technician > "It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671) BN Bill N. Senior Financial Accountant > "Reporting and workflows aren’t very flexible like some other larger ERP systems, which can be frustrating especially as our company grew in size and required more advanced and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) VR Verified Reviewer Treasury Accountant > "The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) HL Hikmet L. Medical Assistance Specialist > "Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7100283) AF Amanda F. Licensed Real Estate Broker > "I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) AF Amanda F. Licensed Real Estate Broker > "However, some features allocated by Xero aren’t robust enough which forces me to integrate with external Apps, for instance inventory management tools." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232) NS Natalie S. Senior immigration Advisor > "Xero offers 30 days for trial where you're able to explore all features of this tool and you are able to learn how it's feature can be used for accounting." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7060176) VR Verified Reviewer Treasury Accountant > "I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) JL John L. CEO > "Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) DE Daryl E. Consultant > "Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) Craig H. General Manager > "I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038677) DE Daryl E. Consultant > "This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) AL Amber L. Discharge Planner > "Xero has a mobile application that allows me process patient payments during discharge in my organization as well as creating invoices automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7002100) Bryce M. Founder > "I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7091869) JL John L. CEO > "It takes times to understand and know if an accounting service provider is giving you what you need and the onboarding process did exactly this for me and my business. Once I..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) MH Martin H. Payroll Manager > "Sometimes I need to wait for a while before my authentication code comes through, delaying my login." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7102201) BN Bill N. Senior Financial Accountant > "Its wide range of integrations also allowed us to build a connected, scalable finance system with minimal effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604) MK Michal K. IT engineer > "The only disadvantage so far is that sometimes it is hard to find some reports, for example remittance advise" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7080651) JP John P. Transport Broker > "The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) Debbie M. Owner > "It does not offer good value for money compared with competitor products, and customer support is not available by telephone." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7072510) VR Verified Reviewer Treasury Accountant > "I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) RH Russ H. Director > "The reports seem a little bit more difficult to work out if you do not know the correct accountancy term but you can normally work it out without too much hassle." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6818770) VR Verified Reviewer Founder and Copywriter > "Invoicing is straightforward, I can easily reconcile all of my transactions and can run reports without having any finance knowledge." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7047418) EC Eric C. Engineering Manager > "Missing two features that our previous system could support - detailed export to .csv, and also we started to run into issues past 100 employees." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6748194) JL John L. CEO > "At the moment this is just me as a solo founder, I would love if Xero could also facilitate this transition for scaling businesses with a scale up or expansion onboarding..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) DE Daryl E. Consultant > "I dread having to make changes to quotes and invoices because bugs in the UI are so common." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) DM Dasha M. Consultant > "We are a small nonprofit without a formal accountant and were able to set up our business and run reports in ways that are simple but useful." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7134499) RG Rishi G. Software Engineer > "I do dislike how often I get logged out of Xero once I close the tab." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) JM Jesse M. Senior Accountant > "The bank reconciliation feature works well enough for our needs and saves a lot of time compared to our old system." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7125220) SF Stephanie F. Owner > "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6820368) VR Verified Reviewer Treasury Accountant > "Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361) JP John P. Transport Broker > "Bank feed links are sometimes broken automatically." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) EB Emma B. Financial Controller > "It has many different functions and capabilities which speed up reconciling and customisable reports." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084871) CB Chris B. Owner > "Not sure which demographic will be lazy enough to not do books the old way, but also not tech savvy enough to make a small stack solution, which would be more seamless than..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) RG Rishi G. Software Engineer > "The calendar helps me track who owes me money and I am just glad I can finally see the dates." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) Adrien J. CEO > "Bank integration does not work as advertised." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271) Samuel L. Mortgage Loan Officer > "It has helped us avoid discrepancies in financial reports and tax returns by correctly recording and categorizing all our transactions including repayments and interest." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) MM Melanie M. Treasurer > "The UI is a tiny bit clunky--most notably the "check writing/entering" functionality comes to mind. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6874464) MW Matt W. Founder and Director > "If fully utilised Xero is a very powerful business tool that can encapsulate everything financial - from integrated stock systems and product costing, to sales tracking and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6494302) NH Natalie H. Partner and co-founder > "It's a little annoying when you've missed putting in the due date and it doesn't allow you to proceed, sometimes for the small business we don't need the due date, just add to..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6346121) EH Erin H. Google Ads Specialist > "I like how I can reconcile transactions in Xero from my bank feeds and set up recurring bills -- so I do not have to stress / waste time searching through everything and..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6778974) JG Jacob G. Owner Franchisee > "The numbers of users triggering a different payment amount is not the best for a small business." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6832378) Rodrigo T. Director of Cyber Security > "Xero is an excellent tool that has allowed me to manage my department's expenses in a transparent and orderly way in simulation projects, prevention exercises and detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) CW Christine W. Accounts > "It is not easy to transfer data from one entity to another entity, even basic information has to enter these manually." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871687) JC Jesse C. Managing Director > "We love the ability to connect and reconcile our accounts, easily process payroll, sign up new staff and process credit card payments for better cashflow." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6306306) RG Rishi G. Software Engineer > "Then I have to sit through another annoying OTP code to get back into my account." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805) TVW Tim Van W. Senior Project Supervisor > "Xero has great budgeting and expenses control features that assist us in crafting budgets for our projects and monitoring the expenditure to ensure it remains within the bounds..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687) NH Nina H. Hr Manager > "It isn't easy to calculate holiday in the same way as HR software." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7111292) GN Grace N. Volunteer > "Xero automates over 78% of manual repetitive accounting tasks such as AP,AR and GL which saves time and improve productivity leading to high performance and ROI." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6580047) JB John B. Treasurer > "For example, Xero can not suggest an annual budget based on prior year spending." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6857537) Rodrigo T. Director of Cyber Security > "It allows me to manage my department's accounting in real time, giving me a clear and up-to-date visualization of expenses." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504) SN Samuel N. CEO > "I did have some issues getting set up and connecting bank accounts, which resulted in duplicates for one of my credit cards." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6301773) DS Dilak S. Senior Experience Designer > "Xero simplify accounting processes by automating workflow such as paying vendors, billing, invoicing and payments matching." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6505945) DM Daniel M. Owner > "Also, the learning curve can be a bit steep when diving into more complex accounting features." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6823952) JP John P. Transport Broker > "All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424) FS Faizan S. Payroll Manager > "It can be somewhat stagnant at times in terms of the lack of colour and user interface." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881268) CB Chris B. Owner > "The color of the logo is pleasing, the font on the website is very readable, design schemes show that this company paid visual design artist." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880) DE Daryl E. Consultant > "Advertising plastered on the UI making the book keeper's job harder than it could be." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616) TH Tamim H. maneger > "Comprehensive Reporting: The robust reporting tools provide detailed insights into financial performance, helping businesses make informed decisions and maintain healthy cash..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6306678) GL Gus L. CFO and Principal Engineer > "No way to generate travel expense report using labels" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831756) MC Matthew C. Director > "For us as a small manufacturing company that exports its products worldwide, Xero has proved to be an excellent fit with our needs." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7062551) LS Ladan S. ceo > "it took me an hour to figure out how to reach customer service, and I find that not having a live help is really a burden" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831802) Samuel L. Mortgage Loan Officer > "Xero provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for detailed..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) LR Lisa R. Office manager > "The reason I originally did not use Xero was because our bank does not connect with Xero. " [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7028182) MG Mike G. Project Manager > "You have the ability to create a quote, add your own notes and narrative, save templates, and convert quotes into invoices, all going directly to the customer and requesting..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041) Richey J. General Manager > "Some aspects of payroll aren't equipped for specialist HR requirements." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881639) Samuel L. Mortgage Loan Officer > "It provided us with realtime updates of our financial aspects which help inform our clients and accurately process all their transactions." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033) AB Abhishek B. Executive- Sales and Procurement > "Sometimes there are delays with customer service support which slightly hampers the experience of smooth workflow in case of techncial issues." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6452605) JL John L. CEO > "Xero onboarding and low cost entry point for start-ups and first time users give the perfect opportunity to validate the value of this platform." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067) GL Gus L. CFO and Principal Engineer > "Not integrated with invoicing systems like ipp.gov" [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831756) PM Preeti M. AVP > "There are so many search options and shortcut methods like cash coding and uploading bulk journals and credit notes in CSV are available, which make the life of accountant..." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6460055) TE Timothy E. Owner > "They say that they can convert your old Quickbooks file to xero but after starting the process they turn around and say they couldn't do it." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6433289) VR Verified Reviewer Account and content marketing manager > "Reoccurring invoices and the simplicity of the program were essential factors to enhance our monthly invoice procedure and Xero delivered." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6335146) SP Shelley P. Manager > "I keep sending POs that say DRAFT because the APPROVE button is at the bottom." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6841704) TS Tom S. Director > "Being able to manage payroll, invoices, banking feeds and tax from one platform is nice." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6856926) KL Kyle L. President > "Also, their prices keep increasing substantially and they don't care if you've been there for many years they will still increase it on you which is why I left." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6829883) SP Shelley P. Manager > "The import and export feature works nicely too if you are setting up a new account or moving data from one file to another." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6841704) WJ Will J. Director > "Good initially, but I had a lot of issues with square integration and the cost got too high in the end." [See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871639) [View Reviews](https://www.capterra.com/p/120109/Xero/reviews/) TQ Tawanda Q. Director of Finance > "What I like most about the Accounts Payable and Receivable is the way it simplifies and refines the processing of vendors payments and the..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6822405) MR Matt R. CFO > "If you have a high volume of bills, sometimes the payment processing can be annoying for a single vendor if you're selecting multiple bills..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7142340) PK Patricia K. VP, Finance and Operations > "Given the time savings alone the small price we pay for processing is a great value and is far less than the cost of time, check stock and..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7118830) CF Claire F. Lead of Supply Chain > "I dislike that there isn't a way to view PDFs without having to click into a particular invoice. If you could do that, to search for a..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7074450) SJ Sherin J. Senior accounting specialist > "I am using BILL for AP bill processing and payment, ACH and Wire payment methods are simplifying my work and i can track everything under one..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6739507) OD Olga D. Pharmacist > "I didn't like how it displayed too many columns on reports, which made it difficult to see if you need to take screenshots." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7094212) KK Kimberly K. CEO and Founder > "Streamlined billing dramatically, ability to set up profiles for clients to make invoice submission a click of the button, with a lot of..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6630135) VR Verified Reviewer Finance Admin > "You have to manually receive payments because Bill.com does not receive updates from QB. Bill.com reuses invoice numbers which causes lots of..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7001978) PN Petal N. CEO > "Accounting and Bookkeeping, Banking and Transactions, Email Communication, easy to use, Value for Money, can't ever remember needing to..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7049781) VR Verified Reviewer Accounting Clerk > "We do not understand how or why this happened, and the best way to fix it would be to work with our account manager to terminate some..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7073703) PK Patricia K. VP, Finance and Operations > "Bank transactions have been significantly reduced making reconciliations a breeze. " [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7118830) VR Verified Reviewer Accounting Clerk > "For example, there was a BILL-side issue that prevented some features (multiple colleagues had the same issue on different computers)." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7073703) MM Melissa M. Office manager > "I love that I have access to be able to stop use on any funds if employee is no longer working for us or the ability to check all limits at..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6796772) SB Syretha B. Firm Administrator > "For some reason the tech team hasn't been able to figure out why I don't get notified every time a bill has been approved for payment." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7051810) CF Claire F. Lead of Supply Chain > "I also like that you can view bills by vendor." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7074450) DC Daia C. Owner > "The customer support was very unhelpful, as well as unresponsive in assisting me with information for understanding why my account was closed..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7013838) NG Natalie G. Senior Marketing Manager > "I like that it automatically will (sometimes correctly) recognize and categorize different budget categories. Both the desktop and mobile..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6455973) SM Sean M. Owner > "Being charged nearly the entire payment amount for their own system issue is unacceptable." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7050498) PK Patricia K. VP, Finance and Operations > "Vendors manage their own accounts, which is amazing in and of itself. " [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7118830) NJ Natasha J. Photography > "The app charged me a fee for instant transfer that I never agreed to, and the option to turn it off was broken." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6862175) VR Verified Reviewer Accounts Supervisor > "It also helped in maintenance of cash flow and timely payment of bills" [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6881621) CB Char B. Account director > "It sometimes doesn’t let you know how many approvals it’s waiting on in this delayed payment sometimes because of it" [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6860703) KC Kristen C. CEO > "BILL allows me to easily create, send, manage invoices." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6647530) VR Verified Reviewer Finance Admin > "You cannot bundle services in your invoice." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7001978) PM Philip M. Branch Manager > "I like how I can get my reimbursement in full without any commissions or cuts on my end." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7041309) VR Verified Reviewer Finance Admin > "I cannot fathom that a company that has offered this service for more than 5 years has not worked harder at making it a better experience for..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7001978) CS Catheryn S. Cheer mom > "This is a secure, user friendly and fast way to send and receive funds." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7089527) NJ Natasha J. Photography > "The app was difficult to use, customer service was unhelpful, and overall it caused more stress than it solved." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6862175) WS Warren S. Senior Analyst > "Really great product that was implemented for a client and used for almost 2 years by us (supporting the client with finance and operations..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4801532) ED Edgars D. Accounting Manager > "No way to import a payment list - have to enter lot of information manually." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6721974) KC Katherine C. Chief Operations and Finance Officer > "Bill is easy to use and the functionality of including different people to review and approve bills is high." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6838182) NJ Natasha J. Photography > "I didn’t choose this app —my company used it to pay me. But if I had a choice, I’d avoid it completely." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6862175) Ravi B. CEO > "This product is great for companies that need to pay large swaths of invoices, keep track of them, and cut time spent in quickbooks doing..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5020517) VR Verified Reviewer Accounts Manager > "Being an accountant I face a lot of difficulty when I have to ask him about the code he receives on his phone." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6462824) WS Warren S. Senior Analyst > "International PaymentsLow feesMultiple users with various roles that can be configured any which way you likeApproval and payer process..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4801532) SM Sean M. Owner > "Terrible support policies." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7050498) PV Pavan V. Accounting Specialist > "I would recommend BILL to anyone who are looking to simplify their AP and AR process and even if you are looking BILL as a payment method to..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5059146) WS Warren S. Senior Analyst > "Some countries are not listed/approved for payments and we had to settle for wire transfers from our banking account to achieve this so there..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4801532) CK Courtney K. Registered Dietitian > "I like the timeliness of the invoices and it comes right to my app on my phone." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6654980) VR Verified Reviewer Owner and Designer > "I have received multiple phone calls from Bill asking me for more information about my business, and I have declined, as I have no desire to..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4970197) KA Kristina A. Vice President > "Mostly ver smooth and efficient way to process high volumes of payments and insure accuracy in the payment amounts, payee etc." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5059247) Adam G. Chief Information Technology > "Something I don't like is that customer service is very slow to answer, when you need immediate attention this can be critical, since it..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4977466) Paulette B. Project Manager > "The software has been instrumental in automating financial operations at my company and has had a profound effect on the effectiveness and..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4839501) SJ Sherin J. Senior accounting specialist > "International payments are more time consuming" [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6739507) Tiffany M. Administrator > "They also matched our current cash-back rewards program!" [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7008774) WL Whitney L. Owner > "All the options available are kind of pricey." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6481878) DP Dylan P. Lab Operations Associate > "Bill has made it simple to file for reimbursement for personal expenses during work trips." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6564162) BF Bernat F. CEO > "Their product is full of bugs." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6550131) Paulette B. Project Manager > "We particularly appreciate the centralized accounting for both payables and receivables and the flexibility to modify approval methods." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4839501) KJ Kirk J. Estimator > "It was inefficient and many employees would forget." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6567848) JC Jason C. Controller > "I also like the ability for the software to learn from invoices and apply that learning to coding future invoices." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5094567) VC Victor C. Manager > "Took me at least one hour to get into the problem." [See full review](https://www.capterra.com/p/166559/BILL/#SoftwareAdvice___6757133) AH Alton H. owner > "I like that my business has the options of either paying by ach or credit card. " [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6503288) Melanie A. Lead Trainer and Consultant > "While my experience is limited as an end-user, there have been a few times where my payment requests were not received or were duplicated." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4916535) PM Philip M. Branch Manager > "This makes using Bill easy for me and gives me a reason to continue using it." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7041309) CL Claudia L. Reviewer > "Bill.com lacks the ability to create custom reports and customize the look and feel of invoices and other documents." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4390374) DP Dylan P. Lab Operations Associate > "Bill makes it easy to file for reimbursement and track personal expenses." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6564162) PV Pavan V. Accounting Specialist > "Invoice creation templates are most common and we can't see any design there." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5059146) Melanie A. Lead Trainer and Consultant > "I don’t use to process payments but as an accounts receivable option, it works great for me and allows me to get paid even faster." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4916535) SD Samuel D. Principal > "The Accounts Receivable side of Bill is decent, but it is somewhat glitchy, expecially in the integration with QuickBooks and we also have..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4410140) Tiffany M. Administrator > "It is easy to build and auto codes to the right expense account and class." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___7008774) VR Verified Reviewer Manager > "The pricing that is user based and not account based which makes it quite expensive if more than one person has to use it" [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6032506) KT Krystal T. Software Solutions Associate > "Having implemented BILL for over 20 clients, I truly believe it the software's ability to help company's manage their finances in the best of..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5058765) JW Jacquie W. Project Manager > "Our other product, Xero, has ZERO customer service. If I had to decide between these two products mentioned here, I would definitely pick..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6022999) AT Andrea T. Controller > "It's very easy to use, and eliminates paper checks and manual processing of wires and ACH payments. " [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6344079) JK Joshua K. Director, Finance and Operations > "We work with some international vendors and contractors in regions where Bill.com either isn't supported or is only able to send funds in a..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4314016) Melanie A. Lead Trainer and Consultant > "Entering invoices is a simple process and I like that you are able to view and track your payment requests once submitted." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4916535) KT Krystal T. Software Solutions Associate > "This could cause issues in reporting when integrating with QBO." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5058765) NG Natalie G. Senior Marketing Manager > "Bill.com makes expense tracking and submitting extremely easy." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6455973) EB Emma B. Accounting Manager > "We could not do Credit card as the reconciliation can be messy." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5004223) JS Jennifer S. Outreach Director > "Overall, I really am happy that we moved to bill for our payments." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6836304) LL Laura L. Advisory Manager > "It does get a bit expensive for smaller businesses that need multiple users." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5058716) KT Krystal T. Software Solutions Associate > "Now with their continued integration of the Spend & Expense platform, it is becoming a one-stop-shop for your business financial needs." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5058765) TH Thaier H. CEO > "I am extremely disappointed with Bill.com’s service." [See full review](https://www.capterra.com/p/166559/BILL/#SoftwareAdvice___6572028) KT Krystal T. Software Solutions Associate > "The workflows and automations help make business more efficient and I get to spend more time focusing on the future of the company's I help." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___5058765) EK Elam K. owner > "aweful service reps." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6720247) TH Thaier H. CEO > "The live agent was polite and tried to be helpful despite the frustrating verification process." [See full review](https://www.capterra.com/p/166559/BILL/#SoftwareAdvice___6572028) KV Kim V. COO > "If a vendor enters something incorrectly when setting up their account or if they need an address changed, we aren't able to do it for them." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___3841488) ED Edgars D. Accounting Manager > "I like the vendor and customer management." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___6721974) Kavindu Githsara K. System Specialist > "A potential downside of using Bill.com is that it may require a bit of time and effort to set up the software and customize it to fit our..." [See full review](https://www.capterra.com/p/166559/BILL/#Capterra___4511878) [View Reviews](https://www.capterra.com/p/166559/BILL/reviews/) ## User interface 4.40 (3,290) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) 4.14 (562) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit Accounting Integration 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Xero 33/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/120109/Xero/#features) BILL Accounts Payable & Receivable Top features 40/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/166559/BILL/#features) ### Recognition Xero is recognized as a top-rated tool in 4 Capterra Shortlist reports BILL Accounts Payable & Receivable is recognized as a top-rated tool in 3 Capterra Shortlist reports ### Deployment & support Xero Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos BILL Accounts Payable & Receivable Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Xero - By Xero - Located in New Zealand - Founded in 2006 BILL Accounts Payable & Receivable - By BILL - Located in United States - Founded in 2006 ## Popular Comparisons [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $25/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/120109-190778/Xero-vs-QuickBooks-Online) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.14 (562)](https://www.capterra.com/p/166559/BILL/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $49/month Price $38/month 4.1 Features 4.3 4.2 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/166559-190778/BILL-vs-QuickBooks-Online) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,637)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $25/month Price $2210/year 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-174984/Xero-vs-QuickBooks-Enterprise) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.14 (562)](https://www.capterra.com/p/166559/BILL/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,396)](https://www.capterra.com/p/207944/PayPal/reviews/) $49/month Price $0.29 4.1 Features 4.6 4.2 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/166559-207944/BILL-vs-PayPal) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,035)](https://www.capterra.com/p/135757/NetSuite/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/120109-135757/Xero-vs-NetSuite) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.14 (562)](https://www.capterra.com/p/166559/BILL/reviews/) vs [Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/) $49/month Price €0.01/month 4.1 Features 4.6 4.2 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/166559-268623/BILL-vs-Abby) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,558)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $25/month Price $1922/year 4.3 Features 4.3 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/120109-212058/Xero-vs-QuickBooks-Desktop-Pro) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.14 (562)](https://www.capterra.com/p/166559/BILL/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,637)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $49/month Price $2210/year 4.1 Features 4.4 4.2 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/166559-174984/BILL-vs-QuickBooks-Enterprise) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.29 (684)](https://www.capterra.com/p/76/Intacct/reviews/) $25/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.14 (562)](https://www.capterra.com/p/166559/BILL/reviews/) vs [Bookipi](https://www.capterra.com/p/195165/Bookipi/)[4.76 (176)](https://www.capterra.com/p/195165/Bookipi/reviews/) $49/month Price $0/month 4.1 Features 4.6 4.2 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/166559-195165/BILL-vs-Bookipi) [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,041)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) $25/month Price $235/month 4.3 Features 4.4 4.4 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-189398/Xero-vs-QuickBooks-Online) [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[4.14 (562)](https://www.capterra.com/p/166559/BILL/reviews/) vs [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) $49/month Price $19/month 4.1 Features 4.2 4.2 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/166559-178021/BILL-vs-Wave-Apps)