BILL Pricing 2026: Plans and the Per-Transaction Trap
BILL charges $49-89/user/mo, and that is before what it bills separately for ACH transfers and mailed checks. The pricing has changed multiple times. Here is the current structure and what you actually pay.
Bottom line
BILL is the most-used AP platform for SMBs but the per-user plus per-transaction pricing adds up fast. Model your annual cost before committing.
Current BILL pricing tiers
BILL.com
Ramp
BrexBILL (formerly BILL.com) runs three per-seat pricing tiers: Essentials at $49/month, Team at $65/month, with Corporate topping the list at $89/month. Those numbers do not include what BILL charges separately for ACH transfers and mailed checks.
Essentials covers basic AP and AR workflows. Team adds approval workflows and user permissions. Corporate adds custom workflows, advanced reporting, and API access. Most mid-size companies land on Team.
BILL has changed its pricing structure multiple times in the past three years. The current prices reflect a 2024 restructuring. If you see older articles citing different numbers, the current BILL pricing page is the source of truth.
What gets billed on top of the seat price
Beyond the monthly seat price, BILL charges extra for certain payment types: ACH transfers, mailed checks, and cross-border wires each carry their own fee. None of it is bundled into the subscription.
For a company processing 200 payments a month on Team ($65/user), even a $1 fee per ACH transfer adds roughly $200 to the monthly bill. At scale, those fees add up to a meaningful share of the total BILL cost.
BILL does offer flat-rate transaction pricing for higher-volume accounts. If you process a lot of payments, negotiate the per-transaction rate during your sales conversation. The published rates are not fixed for mid-to-large accounts.
BILL Spend: the corporate card product
BILL also offers BILL Spend (formerly Divvy), a corporate card and spend management product that is separate from the AP platform. BILL Spend has its own pricing structure and is more directly comparable to Ramp or Brex than to the core BILL AP product.
Companies sometimes confuse the two. BILL for AP handles vendor invoice approval and payment. BILL Spend handles corporate card expense management. They integrate with each other but are separate products.
If you want expense management (corporate cards, receipt capture, reimbursements), BILL Spend is the relevant product. If you want invoice approval and vendor payment workflows, core BILL is the product. Make sure you are evaluating the right product for your needs.
For the full feature breakdown beyond pricing, see our BILL review.
Frequently asked questions
What do BILL's pricing tiers actually cost? BILL's Essentials plan starts at $49 per user per month, Team costs $65 per user per month, and Corporate is $89 per user per month. Larger, multi-entity organizations move to custom Enterprise pricing [BILL pricing page, 2026].
Are there transaction fees on top of the monthly subscription? Yes. Regardless of plan, BILL charges per-transaction fees: ACH payments cost $0.59, mailed checks $1.99, international USD wires $19.99, and credit card acceptance carries a 2.9% fee (BILL pricing page, checked 2026-10-11).
Does everyone on the account get billed at the full per-user rate? On Corporate and Enterprise plans, BILL distinguishes between full-feature users and lower-cost approver-only seats, so companies can add approvers to a workflow without paying the full per-user rate for people who only approve [BILL pricing page, 2026].
What does a small business actually pay per month all-in? For a deployment of 3 to 10 users with moderate transaction volume, the base subscription typically runs $150 to $650 per month on Essentials or Team, with transaction fees adding another $100 to $400 per month [industry cost breakdowns, 2026].
What is included at Essentials versus higher tiers? Essentials covers core bill pay and basic invoicing workflows. Team and Corporate add multi-level approval workflows, more user roles, deeper accounting sync, and approver-seat pricing, with Enterprise adding custom multi-entity support [BILL pricing page, 2026]. Once you're paying enough vendors that BILL's per-user fees start adding up, it's worth checking our Tipalti pricing breakdown to see where the flat-fee model starts winning, or our BILL vs Tipalti comparison for the fuller picture on which one fits your vendor mix.
Is bill pay better than ACH? They are not competing options. ACH is the payment rail; a bill pay tool like BILL is what initiates a payment over that rail, alongside checks, wires, and cards. BILL's own ACH transfers cost $0.59 each on top of the per-user subscription, so the real comparison is BILL versus a lighter option like Melio for handling ACH payments, not BILL versus ACH itself.
What is the best free bill app? Melio's Go plan has no monthly fee and includes 5 free ACH payments a month, with each one after that at $0.50, which makes it the cheapest option for light bill-paying volume. BILL itself has no free tier; its Essentials plan starts at $49 per user per month.