Short answerBILL charges $49, $65 or $89 per user a month, plus transaction fees for methods such as bank-funded ACH ($0.59) and mailed checks ($1.99). A 3-person office on Team pays $195 a month before a single payment goes out.
Every user is a paid user on Essentials and Team, so the subscription grows with headcount; payments add on top. An office manager on Essentials who pays 20 subcontractors a month by ACH pays $49 + 20 x $0.59 = $60.80 a month, or $729.60 a year. The subscription is the floor of the bill, not the total.
Best forWhere it works well
A contractor with a bookkeeper or office manager who pays many subcontractors and suppliers every month and wants approvals, a paper trail and accounting sync. At $0.59 an ACH against a $1.99 check, the per-payment fee falls as you move vendors off checks.
May not fitWho should look elsewhere
An owner who pays a handful of bills a month: at $49 a user the fixed cost can outweigh what it saves. A shop that mainly needs to get paid by customers should compare the payment fees in contractor payment software fees first.
PlansScroll across to see every column.
BILL plans, price per user per month and who each is for| Plan | Per user, per month | What the page says |
|---|
| Essentials | $49 | Manual accounting integration via CSV import/export; standard approval policies |
|---|
| Team | $65 | Automatic two-way accounting sync and custom user roles |
|---|
| Corporate | $89 | Adds approver-only users at a lower cost (price not published); marked "Most Popular" |
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| Enterprise | Custom | Dual control, single sign-on and NetSuite, Intacct and Dynamics connections |
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As shown on bill.com/product/pricing on Oct 31, 2026. Annual prices, seat caps, the price of approver-only users and the free-trial length are not published on the page. Essentials accounting integration and payment-fee exceptions rechecked Nov 1, 2026; CSV is an integration method, not a restriction on receivables features. BILL's own FAQ says the overall cost depends on your plan, number of users and payment volume.
Cost by team sizeSubscription at 1, 3, 5, 10 and 15 users
Scroll across to see every column.
BILL subscription cost by number of users per month, before payment fees| Users | Essentials ($49) | Team ($65) | Corporate ($89) |
|---|
| 1 | $49 | $65 | $89 |
|---|
| 3 | $147 | $195 | $267 |
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| 5 | $245 | $325 | $445 |
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| 10 | $490 | $650 | $890 |
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| 15 | $735 | $975 | $1,335 |
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Worthd arithmetic: users x the per-user price, per month, before tax and before payment fees. Every user is counted at the full seat price; Corporate's lower-cost approver-only users would reduce its figures, but BILL does not publish that price.
Per paymentWhat each payment costs
Scroll across to see every column.
BILL per-payment fees| Payment | Fee |
|---|
| Vendor ACH (ePayment), funded from a bank account or BILL balance | $0.59 |
|---|
| Mailed check, funded from a bank account or BILL balance | $1.99 |
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| Virtual card, funded from a bank account or BILL balance | Free |
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| Instant payment | 1% ($9.99 minimum, $100 maximum) |
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| Pay Faster ACH | $11.99 (same day if scheduled by 10 AM PT, next day by 6 PM PT, business days) |
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| Pay Faster check | $24.99 overnight, $19.99 two-day, $14.99 three-day |
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| International USD wire | $19.99 (can be passed to the receiver) |
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| Paying by credit or debit card | 2.9% when paying by credit or debit card |
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| Getting paid: ACH / card / instant transfer | $0.59 / 2.9% / 1.25% ($1 minimum) |
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| Getting paid: mailed invoice | $1.99 |
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As shown on bill.com/product/pricing, Oct 31, 2026. Other fees on the page: void a check $25; void a returned check $3; failed ACH after the receiver was paid $50; re-debit after a failed funding $25; 1099 e-file $2.99 per form ($1.99 through the Accountant Console), state filing $1.49, mailed copy $1.99.
Getting paidA $5,000 invoice: ACH $0.59, card $145
When a customer pays you through BILL, a $5,000 invoice costs $0.59 by ACH and $145 by credit or debit card (2.9%). An instant transfer to your bank at 1.25% would be $62.50. For comparison, Jobber charges 1% on a bank payment, which is $50 on the same invoice. The same $5,000 on a card is about 246 times the ACH transaction fee. Subscription and other account charges are additional.
Worthd arithmetic from the published rates, before tax. Jobber rate from Jobber pricing, checked Oct 12, 2026.
Leave outBILL also lists a Spend & Expense plan at $0 for cards and expense management, with a credit line the page says is not guaranteed. This profile covers payables and receivables only.
Contract and cancellationAuto-renews, cancel any time, no prorated refund
- Renewal: the subscription "will automatically renew each billing cycle."
- How to cancel: at any time, from the account or the support portal. Cancellation takes effect on the last day of the current billing cycle, and can be deferred while payments are pending.
- Refunds: "You will not be eligible for a prorated refund of any portion of the subscription fee." Service fees are non-refundable except at BILL's sole discretion.
- Price changes: BILL will give advanced notice of any material increase in fees; the notice period is not published. Material changes to the agreement get 30 days' notice.
- Suspension: BILL may suspend or end an account for non-payment or inactivity.
- Free trial: the page says a free trial is available "in most cases"; its length and whether a card is needed are not published.
From bill.com/legal/terms-of-service (effective Feb 10, 2025), read as extracted text on Oct 31, 2026; BILL's help-center cancellation article could not be loaded. See also exit terms for field service software. Use only your confirmed renewal date and notice requirement in the cancel-by date finder; leave unknown terms unknown.
Price watchLast checked Oct 31, 2026: no change
List prices and fees match what Worthd recorded on Oct 17 and Oct 29. See the price tracker for every vendor we watch.
Go deeperBILL on Worthd
SourcesOfficial information we checked
Vendor prices are US list prices and can change; the checkout controls. Report a correction.
