BILL vs Stripe: Pricing Comparison (2026)
BILL starts at $49/mo. Stripe starts at Free. Stripe 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 payments infrastructure standard, private, valued $95B (2024). Positioned as the alternative to legacy payment processors (First Data, Worldpay) for developer-friendly integration. Distinctive for its API design that commoditized payment complexity and its expansion into billing (Stripe Billing), tax, and financial infrastructure. Priced 2.9% + 30¢ per US card transaction — the tax on every SaaS subscription in the world. IPO watched but never happens.
All plans compared
| # | Plan | BILL monthly | BILL annual | Stripe monthly | Stripe annual |
|---|---|---|---|---|---|
| 1 | Essentials / Standard | 49 | 49 | 2.9% + 30¢ per transaction | — |
| 2 | Team / Custom | 65 | 65 | custom | — |
| 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.
The payments infrastructure standard, private, valued $95B (2024). Positioned as the alternative to legacy payment processors (First Data, Worldpay) for developer-friendly integration. Distinctive for its API design that commoditized payment complexity and its expansion into billing (Stripe Billing), tax, and financial infrastructure. Priced 2.9% + 30¢ per US card transaction — the tax on every SaaS subscription in the world. IPO watched but never happens.
At a glance
| BILL | Stripe | |
|---|---|---|
| Free plan | — | Yes |
| Entry price | $49/mo | Free |
| Enterprise available | Yes | Yes |
| Pricing model | — | Per Usage |
| Last verified | August 12, 2026 | August 10, 2026 |
| Full pricing | View full pricing | View full pricing |
Pricing last verified August 12, 2026. Tracked daily.