BILL vs Gumroad: Pricing Comparison (2026)
BILL starts at $49/mo. Gumroad starts at Free. Gumroad is $49/mo cheaper on the entry tier than BILL.
SMB accounts-payable + accounts-receivable automation platform (formerly Bill.com), IPO'd 2019 at $27B peak valuation. Positioned as the alternative to processing invoices manually or hacking QuickBooks Online for AP/AR workflows. Distinctive for 2-way sync with all major accounting platforms (QuickBooks, Xero, Sage Intacct, NetSuite) and BILL Divvy spend-management combined suite. Priced $49-$89/user/mo across Essentials/Team/Corporate published tiers plus Enterprise. Also charges per-transaction fees on top of subscription (ACH $0.59, checks $1.99, wire $19.99, international 1%). Popular with 5-100-person businesses running full AP/AR workflows.
Merchant-of-record platform for creators selling digital products (courses, ebooks, memberships). Positioned as the alternative to Stripe + Teachable + Podia for solo creators who want one tool to sell + deliver + handle tax. Distinctive for its 10% flat fee (no monthly subscription) that appeals to sellers just starting out. Founded by ex-Pinterest designer Sahil Lavingia (bootstrapped, transparently profitable). Popular with course creators, indie writers, and design assets sellers.
All plans compared
| # | Plan | BILL monthly | BILL annual | Gumroad monthly | Gumroad annual |
|---|---|---|---|---|---|
| 1 | Essentials / Direct sales | 49 | 49 | 10% + $0.50 per sale | — |
| 2 | Team / Marketplace discovery | 65 | 65 | 30% flat per sale | — |
| 3 | Corporate | 89 | 89 | — | — |
| 4 | Enterprise | custom | custom | — | — |
What each is best for
SMB accounts-payable + accounts-receivable automation platform (formerly Bill.com), IPO'd 2019 at $27B peak valuation. Positioned as the alternative to processing invoices manually or hacking QuickBooks Online for AP/AR workflows. Distinctive for 2-way sync with all major accounting platforms (QuickBooks, Xero, Sage Intacct, NetSuite) and BILL Divvy spend-management combined suite. Priced $49-$89/user/mo across Essentials/Team/Corporate published tiers plus Enterprise. Also charges per-transaction fees on top of subscription (ACH $0.59, checks $1.99, wire $19.99, international 1%). Popular with 5-100-person businesses running full AP/AR workflows.
Merchant-of-record platform for creators selling digital products (courses, ebooks, memberships). Positioned as the alternative to Stripe + Teachable + Podia for solo creators who want one tool to sell + deliver + handle tax. Distinctive for its 10% flat fee (no monthly subscription) that appeals to sellers just starting out. Founded by ex-Pinterest designer Sahil Lavingia (bootstrapped, transparently profitable). Popular with course creators, indie writers, and design assets sellers.
At a glance
| BILL | Gumroad | |
|---|---|---|
| Free plan | — | Yes |
| Entry price | $49/mo | Free |
| Enterprise available | Yes | — |
| Pricing model | — | Per Usage |
| Last verified | August 12, 2026 | July 29, 2026 |
| Full pricing | View full pricing | View full pricing |
Pricing last verified August 12, 2026. Tracked daily.