The four best Bill.com alternatives for growing businesses

Formerly known as Bill.com, BILL is a comprehensive financial automation software solution for startups, freelancers, and small businesses. BILL offers solutions to manage financial workflows like accounts payable, accounts receivable, and spend management. 

Although it is a powerful payment solution, BILL is geared toward the needs of small and medium businesses. As your business grows and your payment needs evolve, you may need a more flexible and scalable platform. Here are four great BILL alternatives for you to consider.

Stampli: industry-leading accounts payable capability

Stampli is an accounts payable automation solution that streamlines and optimizes AP workflows. It uses artificial intelligence and machine learning to automate accounts payable processes and learn a company’s unique patterns to simplify tasks like GL coding, approval workflows, and invoice verification. An industry leader in accounts payable automation, Stampli has received numerous awards, including:

• Named in G2’s Best Accounting and Finance Products for 2025
• 14x leader in the G2 Grid for Accounts Payable
• Comparably Best CEOs of 2022, Best Company for Diversity, Best Company Outlook, Best Leadership Team, Best Company for Woman, and Best Company Culture
• Winner of Best Accounts Payable Platform Integrations for FinTech Breakthrough Awards 2024

Stampli combines innovation, expertise, and a proven track record to provide the leading accounts payable solution as an alternative to BILL.

Key features

• Real-time invoice capture, data entry, coding, and 3-way matching to streamline invoice processing and eliminate errors and fraud
• Centralized communications allow greater collaboration across the organization and simplify accounts payable audits
• Payment automation and payment cards with Stampli Direct Pay and Stampli Card
• Seamless vendor onboarding with Stampli Advanced Vendor Management
• Real-time AP data transparency and analytics with Stampli Insights financial dashboard

Control and transparency over employee spending with Stampli Expenses

Advantages

• Launch in days, not months, with a fully-supported implementation that lets you keep existing processes and systems.
• Pre-built seamless integration with over 70 ERPs and accounting platforms allows automatic data synchronization with minimal IT investment.
• Scalable and flexible to handle multi-location, currency, and subsidiary accounts payable scenarios.
• Easy-to-use, intuitive AP automation interface that supports multiple approval levels and includes a self-service vendor portal.

Pricing

Stampli offers flexible monthly and annual plans with custom pricing that include unlimited users, entities, and vendors.

What Stampli customers are saying

Customers value how Stampli sets itself apart from BILL and other platforms with its AI capabilities, especially its AI, Billy” says one reviewer on G2. “After the initial AP invoice scan, Billy will auto fill in the invoice data! Not only does it auto fill in generic invoicing data like amount and bill date, but it will also generate the vendor name, subsidiary, approvers, and even a GL account — directly from your ERP Data.”

Bottom line

Stampli is ideal for small, medium, or enterprise companies looking to make their procure-to-pay processes faster, more efficient, and safer. By combining AP communications, credit cards, vendor management, expenses, and payments in one place, Stampli gives Accounts Payable full control and visibility over company spending.

Invoiced: expanded accounts receivable functionality

Invoiced is an accounts receivable and payable platform that automates all aspects of accounts receivable, including billing, collections, payments, reporting, and forecasting. With thousands of customers across the globe and almost $50 billion in payments processed, Invoiced is a pioneer in AR automation. 

Key Features

• Automated customer invoicing and collections reduce manual processing and get companies paid faster
• Supports payment methods like direct debit, Automatic Clearing House (ACH), SEPA, Bacs, credit card, and virtual card
• Real-time payment reporting and analytics of the invoice-to-cash lifecycle, collections forecasting, and multi-entity reporting
• Automatically sync customer invoices, payments, and customer data directly with ERP, CRM, and accounting platforms

Advantages

• Puts customer invoicing, payments, and cash application on autopilot, saving money, reducing processing time, and improving accuracy and reporting.
• Scalable and supports international and multi-entity business structures and can accept payments in multiple currencies through various payment gateways.
• Open API allows flexible integrations and sandbox access for user and developmental testing to fit business needs.

Pricing

Invoiced charges 1% of invoices processed for their Advanced A/R solution. Pricing for the Enterprise A/R solution is by quote.

What Invoiced customers are saying

Customers like Invoiced’s comprehensive accounts receivable automation features. “All in one!” exclaimed one reviewer. “I love the ease of the program. Everything I need to invoice our customers and get reports is easy to access. If I’m away from the office I can easily pull invoices up from my phone.”

Other customers praised Invoiced for their excellent customer service. “Their customer support is also exemplary. They are quick and knowledgeable,” said one G2 review.

Bottom Line

Invoiced is a good all-in-one accounts receivable automation solution for growing small and medium businesses that need the advanced AR functionality, flexibility, and excellent customer support that BILL doesn’t offer.

Spendesk: automated business spend management

Spendesk is a spend management platform that helps businesses get visibility into and control over company spend. It offers a 7-in-1 solution that covers corporate cards, expense reimbursements, budgets, approvals, reporting, compliance, and pre-accounting. Spendesk is designed to make every employee accountable for the company’s financial health. 

Key features

• Provide teams with budgets and pay expenses with virtual cards, physical cards, invoices, reimbursements, digital invoices, or cash.
• Set spending limits, manage budgets, and track, report, and reconcile expenses in real-time.
• Define teams, cost centers, spending rules, and approvers, and control processes such as approvals, payments, and reconciliations from a central tool.
• Create rules to automatically map payments to expense accounts to simplify validation at the end of the month.

Advantages

• Integrate and automatically synchronize transactions and receipts with ERPs and accounting systems
• Scalable and flexible to support business growth
• Replace multiple accounting and spend management tools and processes with a single solution
• Mobile app to capture and submit receipts in real-time, with instant reimbursements

Pricing

Spendesk pricing is subscription-based, with costs depending on the selected feature bundle and number of active users.

What Spendesk customers are saying

Spendesk users appreciate the platform’s simplicity and excellent customer service. “Easy implementation and customer service is fast and efficient,” reported one customer. “I like that it simplifies the completion of expense reports and makes it easier to schedule business travel in one place. Easy to upload receipts and very convenient…It allows me to keep track of all the expenses I have as well as keep track of working hours in each activity and determine the amount invested in each. Extremely efficient and easy to understand.”

Bottom line

Spendesk is useful for small and medium-sized businesses that want a scalable solution that provides greater control and visibility over complex spending needs than BILL offers.

Quickbooks Online: Flexible and scalable accounting software

Quickbooks Online (QBO) is a family of powerful SaaS financial management and accounting solutions designed for small and medium businesses. Quickbooks offers four cloud-based solutions (Simple Start, Essentials, Plus, Advanced) for different company needs. A scalable and flexible accounting platform, QBO offers a powerful suite of tools such as bookkeeping, analytics, invoicing and payments, receipt capture, expense management, visual cash flow, payroll, and mileage and time tracking.

Key features*

• Real-time income and expense tracking, management, and analytics
• Mobile receipt capture and submission, and automatic mileage tracking
• Invoice, inventory, and vendor payment management
• Accept and process customer payments via credit card or bank transfers
• Automated payroll processing and management

Advantages*

• Multi-currency and multi-location support for payment processing
• Scalability and rich feature set that supports business growth and changing accounting and financial needs
• Free onboarding support for fast and efficient implementation

* Features not available in all Quickbooks solutions

Pricing

Quickbooks Online pricing is monthly, ranging from $30/month for Simple Start to $200/month for Quickbooks Online Advanced. The Payroll option ranges from $45 – $100/month, with an additional per-employee fee.

What QuickBooks Online customers are saying

QBO is a tried-and-true solution that has helped countless small and medium businesses manage their accounting. One Capterra reviewer sums up their experience succinctly in this review: “My overall experience with QuickBooks Online has been positive. It has helped me streamline my financial management processes and stay organized with my business finances. The software’s user-friendly interface, comprehensive features, and real-time data accessibility have been valuable in tracking income and expenses, generating reports, and maintaining financial stability.

While there were some drawbacks such as the cost and learning curve for advanced features, the benefits outweighed the challenges, making QuickBooks Online a valuable tool for managing my business finances efficiently.”

Bottom line

Although it’s not a direct BILL competitor, Quickbooks offers a comprehensive and powerful suite of accounting and finance tools that make it a powerful alternative to BILL’s services. It’s a good solution for growing small and medium-sized businesses that want the capabilities of an ERP but don’t need a full ERP solution. 

Other Bill.com competitors

There are many other BILL competitors covering business payments, accounts payable, accounts receivable, and financial reporting. Here are a few to consider:

SAP Concur

Enterprise accounts payable automation and expenses management platform developed by SAP.

Melio

Free accounts payable solution for small and medium-sized businesses.

Freshbooks

Simplified SaaS accounting platform for small and medium-sized businesses that offers invoice management and payments functionality.

Square Invoices

Feature-rich B2B accounts receivable automation platform from the point of sale provider Square.

PayPal

One of the earliest online payment gateways. PayPal facilitates global vendor and customer payments.

Don’t just manage spend: Control it with Stampli

Stampli’s industry-leading payments and expense management solutions let your business get on top of vendor payments and employee expenses. Here’s how Stampli can help your business:

Stampli Direct Pay 

Stampli Direct Pay gives your business total supplier payment flexibility and control so you can optimize your vendor relationships. Easily access payment details and documents for seamless payment approvals, batch process ACH payments with individual transaction reconciliations in your bank statement, and automatically print and mail physical checks from your bank account. 

Stampli Card

Stampli Card goes beyond corporate credit cards to provide higher visibility and management over expenses. View Stampli Card purchases in real-time, with instant access to transactions, sync purchases to your ERP, and limit purchases and spending limits by cardholder, type of expense, vendor, and more. All card data is accessible and manageable in real-time to give total control over spend.

Stampli Expenses

Control employee spend and eliminate manual payment and expense processes with an automated and seamless expense management solution. Ensure compliance by configuring expense policies for employees, purchases, and approvals, process expenses instantly instead of waiting for month-end, and eliminate manual tasks such as gathering receipts and spreadsheets.

See firsthand how Stampli has transformed AP for one business. Watch their video review to learn about the specific benefits they’ve experienced and why they consider Stampli a leading solution.

Learn how Stampli can make payment and expense management painless for your business. Set up a free demo today.