{
 "schema_version": "1.0",
 "id": "bill-com",
 "name": "Bill.com",
 "research_status": "researched",
 "vendor_domain": "bill.com",
 "category": "Financial Operations",
 "task": "Paying bills & getting paid",
 "summary": "Accounts-payable and receivable automation for finance teams with real approval chains.",
 "best_for": "growing companies with real accounts-payable volume and approval chains that want to automate bill pay and sync to accounting",
 "skip_if": "you pay only a few bills a month — your accounting software or a free tool like Melio's base plan covers it without per-seat fees",
 "honest_knock": "Per-user pricing plus per-transaction fees means the real cost depends on team size and payment volume — it's built for finance teams with genuine AP workflows and is overkill if you pay a handful of bills a month.",
 "pricing": {
  "status": "public",
  "entry_price": "$49",
  "entry_price_terms": "per user per month",
  "from_price_usd_month": 49.0,
  "plans": [
   {
    "name": "Essentials",
    "price": "$49 per user per month",
    "includes": "Accounts-payable and receivable plan"
   },
   {
    "name": "Team",
    "price": "$65 per user per month",
    "includes": "Accounts-payable and receivable plan"
   },
   {
    "name": "Corporate",
    "price": "$89 per user per month",
    "includes": "Accounts-payable and receivable plan"
   },
   {
    "name": "Enterprise",
    "price": "no published price",
    "includes": "Accounts-payable and receivable plan, quote-only"
   },
   {
    "name": "Spend and Expense",
    "price": "$0 per user per month",
    "includes": "Credit lines $1,000-$5M, not guaranteed, set on approval"
   },
   {
    "name": "BILL AP & AR Partner",
    "price": "$49 a month",
    "includes": "Accountant subscription"
   },
   {
    "name": "Accountant Console",
    "price": "$49 a month",
    "includes": "Accountant subscription"
   }
  ],
  "plans_source": "summarised from pricing.notes; every plan name and amount appears verbatim in those notes",
  "notes": "(re-verified 2026-09-15 on their own pricing page) Accounts-payable and receivable plans priced per user: Essentials $49, Team $65 and Corporate $89 per user per month, plus a quote-only Enterprise - the same four cards as on 15 August 2026. The separate Spend and Expense product is $0 per user per month and carries credit lines the page advertises as $1,000-$5M, not guaranteed and set on approval. Transaction fees stack on top of the seat, and are where the real cost hides. ACH or ePayment is $0.59, a mailed check $1.99, an international USD wire $19.99, and an international FX wire or a virtual card is free - free of a stated fee, that is, because the same row says the exchange rate applies and BILL only discloses that rate at the time of the transaction. Instant payment is 1.0% with a $9.99 minimum and a $100 maximum, and Pay Faster ACH $11.99. Expedited checks are $24.99 overnight, $19.99 two-day and $14.99 three-day. Paying by card costs 2.9%, and the receiver pays 2.9% on credit or debit card payments; a receiver taking an instant transfer pays 1% to 1.49% with a $1 minimum. A second fee block, easy to miss under the payment table, prices the paperwork and the mistakes: 1099 e-filing to the IRS is $2.99 per form ($1.99 through an accountant console), state filing $1.49 and mailing a 1099 to the vendor $1.99, while voiding a check is $25, a returned check $3, a re-debit after failed funding $25 and an ACH that fails after the receiver has been paid $50. The accountant side is priced separately again: a BILL AP & AR Partner subscription at $49 a month, an Accountant Console the FAQ also prices at $49 a month, and a 10-20% client subscription discount that scales with how many clients you onboard.",
  "verified_at": "2026-09-15",
  "source_url": null
 },
 "free_plan": false,
 "free_plan_evidence": null,
 "cost_traps": [
  {
   "id": "per_seat",
   "label": "Per-seat pricing",
   "evidence": "(re-verified 2026-09-15 on their own pricing page) Accounts-payable and receivable plans priced per user: Essentials $49, Team $65 and Corporate $89 per user per month, plus a quote-only Enterprise - the same four cards as on 15 August 2026.",
   "verified_at": "2026-09-15",
   "source_url": null
  },
  {
   "id": "usage_metered",
   "label": "Usage-metered",
   "evidence": "A second fee block, easy to miss under the payment table, prices the paperwork and the mistakes: 1099 e-filing to the IRS is $2.99 per form ($1.99 through an accountant console), state filing $1.49 and mailing a 1099 to the vendor $1.99, while voiding a check is $25, a returned check $3, a re-debit after failed funding $25 and an ACH that fails after the receiver has been paid $50.",
   "verified_at": "2026-09-15",
   "source_url": null
  },
  {
   "id": "addons_extra",
   "label": "Key features are paid add-ons",
   "evidence": "The accountant side is priced separately again: a BILL AP & AR Partner subscription at $49 a month, an Accountant Console the FAQ also prices at $49 a month, and a 10-20% client subscription discount that scales with how many clients you onboard.",
   "verified_at": "2026-09-15",
   "source_url": null
  }
 ],
 "compare_with": {
  "name": "Melio",
  "why": "the free-to-start AP alternative for smaller volumes"
 },
 "links": {
  "record": "https://aibuildermarketplace.com/api/v1/products/bill-com.json",
  "review": "https://officesoftwaremarketplace.com/bill-com-review.html",
  "marketplace": "https://aibuildermarketplace.com/marketplace/bill-com/",
  "vendor_site": "https://bill.com"
 },
 "purchase": {
  "seller": "the vendor",
  "how": "AIBuilder Marketplace does not sell this software. Sign up, start a trial or buy on the vendor's site.",
  "handoff_url": "https://referral.bill.com/d69gftudjro5",
  "affiliate": true,
  "disclosure": "Where purchase.affiliate is true, purchase.handoff_url is an affiliate link: AIBuilder Marketplace may earn a commission at no extra cost to the buyer. Commission never changes what a record says, and products are not ranked by commission. Where it is false the link is the vendor's plain site."
 },
 "provenance": {
  "research": "hand-researched dossier, read on the vendor's own pages",
  "researched_since": "2026-07",
  "method": "https://aibuildermarketplace.com/how-we-review/",
  "license": "CC BY 4.0. Credit 'AIBuilder Marketplace' with a link to https://aibuildermarketplace.com/atlas/.",
  "note": "A rebuild is not a new measurement: pricing.verified_at is the date that matters."
 },
 "cost": {
  "status": "available",
  "engine": "https://aibuildermarketplace.com/agents/#cost",
  "rules": {
   "currency": "USD",
   "unit": "user",
   "axis": "users",
   "rules_verified_at": "2026-09-15",
   "plans": [
    {
     "id": "essentials",
     "name": "Essentials",
     "model": "per_unit",
     "price_month": 49,
     "billing": "unspecified",
     "evidence": "Essentials $49, Team $65 and Corporate $89 per user per month"
    },
    {
     "id": "team",
     "name": "Team",
     "model": "per_unit",
     "price_month": 65,
     "billing": "unspecified",
     "evidence": "Essentials $49, Team $65 and Corporate $89 per user per month"
    },
    {
     "id": "corporate",
     "name": "Corporate",
     "model": "per_unit",
     "price_month": 89,
     "billing": "unspecified",
     "evidence": "Essentials $49, Team $65 and Corporate $89 per user per month"
    },
    {
     "id": "enterprise",
     "name": "Enterprise",
     "model": "quote",
     "evidence": "plus a quote-only Enterprise"
    }
   ],
   "usage": [
    {
     "id": "ach_payments",
     "label": "ACH or ePayment",
     "unit": "payment",
     "price": 0.59,
     "evidence": "ACH or ePayment is $0.59"
    },
    {
     "id": "mailed_checks",
     "label": "Mailed check",
     "unit": "check",
     "price": 1.99,
     "evidence": "a mailed check $1.99"
    },
    {
     "id": "intl_usd_wires",
     "label": "International USD wire",
     "unit": "wire",
     "price": 19.99,
     "evidence": "an international USD wire $19.99"
    }
   ],
   "not_computable": [
    "FX wires and virtual cards carry an exchange-rate margin disclosed only at the time of the transaction."
   ]
  },
  "growth": {
   "annual": {
    "product_id": "bill-com",
    "currency": "USD",
    "axis": "users",
    "unit": "user",
    "billing": "annual",
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    ],
    "switch_points": [],
    "conflicts": [],
    "unknowns": [
     "FX wires and virtual cards carry an exchange-rate margin disclosed only at the time of the transaction."
    ]
   },
   "monthly": {
    "product_id": "bill-com",
    "currency": "USD",
    "axis": "users",
    "unit": "user",
    "billing": "monthly",
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      },
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     },
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      "cheapest_plan": "essentials",
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     },
     {
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      "cheapest_plan": "essentials",
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      "total_month": 2450.0,
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       "amount": 2450.0,
       "every": "month"
      },
      "ranges": [],
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       "essentials": 2450.0,
       "team": 3250.0,
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     },
     {
      "units": 100,
      "cheapest_plan": "essentials",
      "cheapest_plan_name": "Essentials",
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       "amount": 4900.0,
       "every": "month"
      },
      "ranges": [],
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       "essentials": 4900.0,
       "team": 6500.0,
       "corporate": 8900.0,
       "enterprise": "quote"
      }
     }
    ],
    "switch_points": [],
    "conflicts": [],
    "unknowns": [
     "FX wires and virtual cards carry an exchange-rate margin disclosed only at the time of the transaction."
    ]
   }
  }
 },
 "unknowns": [
  "Contract terms (cancellation, data export, data location, minimum seats) are not researched as separate fields; pricing.notes mentions them only where the vendor's pricing page does.",
  "Not tested hands-on by us: what the product does comes from the vendor's pages and our reading of them."
 ],
 "task_evidence": null,
 "open_questions": [
  {
   "question_id": "bill-com:cancellation_terms",
   "key": "cancellation_terms",
   "question": "Can a customer cancel at any time, and what happens to an annual plan that is cancelled mid-term?",
   "status": "open"
  },
  {
   "question_id": "bill-com:data_export",
   "key": "data_export",
   "question": "Which data can a customer export, in which formats, on which plans?",
   "status": "open"
  },
  {
   "question_id": "bill-com:data_location",
   "key": "data_location",
   "question": "Where is customer data stored, and can a customer choose the region?",
   "status": "open"
  },
  {
   "question_id": "bill-com:pricing_gap_1",
   "key": "pricing_gap_1",
   "question": "Our price check could not put a number on this part of the cost: FX wires and virtual cards carry an exchange-rate margin disclosed only at the time of the transaction. Can you publish the price or the rule?",
   "status": "open"
  }
 ],
 "vendor_answers": [],
 "agent_channels": {
  "vendor_mcp": null,
  "agent_checkout": {
   "status": "not_found",
   "detail": "No explicit support for purchases by AI agents on the vendor's own pages.",
   "checked_at": "2026-10-07",
   "method": "homepage, /pricing and the pricing page we cite, read as plain HTML (no JavaScript) and searched for explicit support of purchases by AI agents: Agentic Commerce Protocol, Instant Checkout, Agent Payments Protocol, buy in ChatGPT, agentic checkout"
  }
 }
}