BILL vs PayPal: Pricing Comparison (2026)
BILL starts at $49/mo. PayPal starts at Free. PayPal 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.
The consumer + business payments network with 400M+ active accounts globally. Positioned as the trusted-name alternative to Stripe for merchants selling to buyers who want the PayPal 'Buy Now' checkout familiarity. Distinctive for its 20+ year buyer/seller protection reputation and cross-border reach (200+ markets, 100+ currencies). Priced as pure transaction fees (no monthly subscription for Standard/Checkout); PayPal Advanced at $30/mo unlocks virtual terminal + customization. Owns Braintree (developer-focused payments) and Venmo (consumer P2P) — sold as separate products. Publicly traded (NASDAQ: PYPL). Global market share behind Stripe on developer-first SaaS but ahead in mainstream e-commerce brand recognition.
All plans compared
| # | Plan | BILL monthly | BILL annual | PayPal monthly | PayPal annual |
|---|---|---|---|---|---|
| 1 | Essentials / PayPal Standard | 49 | 49 | 0 | 0 |
| 2 | Team / PayPal Checkout | 65 | 65 | 0 | 0 |
| 3 | Corporate / PayPal Advanced (Pro) | 89 | 89 | 30 | 30 |
| 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.
The consumer + business payments network with 400M+ active accounts globally. Positioned as the trusted-name alternative to Stripe for merchants selling to buyers who want the PayPal 'Buy Now' checkout familiarity. Distinctive for its 20+ year buyer/seller protection reputation and cross-border reach (200+ markets, 100+ currencies). Priced as pure transaction fees (no monthly subscription for Standard/Checkout); PayPal Advanced at $30/mo unlocks virtual terminal + customization. Owns Braintree (developer-focused payments) and Venmo (consumer P2P) — sold as separate products. Publicly traded (NASDAQ: PYPL). Global market share behind Stripe on developer-first SaaS but ahead in mainstream e-commerce brand recognition.
At a glance
| BILL | PayPal | |
|---|---|---|
| Free plan | — | Yes |
| Entry price | $49/mo | Free |
| Enterprise available | Yes | Yes |
| Pricing model | — | — |
| Last verified | August 12, 2026 | August 12, 2026 |
| Full pricing | View full pricing | View full pricing |
Pricing last verified August 12, 2026. Tracked daily.