Business Payments Public Company BILL

BILL

AI-Powered Financial Operations Platform for Smart Businesses

Available in 7 countries Last verified: Apr 2026
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Founded
2006
Users
500K+ businesses, 8.3M+ network members
Total Funding
$326M
Employees
2,300+

🏢 Company Overview

Headquarters
San Jose, USA
Funding Stage
Public Company
Total Funding
$326M
Users
500K+ businesses, 8.3M+ network members
Pricing
freemium
Rating
★ 4.9
AML Compliant GDPR PCI DSS E-Money License Payment License No direct FDIC insurance; BILL Divvy Card issued by Cross River Bank, Member FDIC

ℹ️ About BILL

About BILL BILL is an AI-powered financial operations platform that automates accounts payable, accounts receivable, spend management, and expense tracking for over 500,000 small and midsize businesses across the United States.

The platform unifies bill creation, approval workflows, vendor payments, invoicing, corporate cards, and credit lines from $1,000 to $5M into one cloud-native ecosystem integrated with QuickBooks, Xero, NetSuite, and Sage Intacct.

Using intelligent automation and a secure digital payment network of 8.3 million members, BILL processes approximately $345 billion in annual payment volume—roughly 1% of U.S. GDP—while reducing AP processing time by 50% and accelerating receivables collection by 2x.

Businesses gain centralized cash flow visibility with real-time transaction tracking, automated receipt matching, custom approval policies, and multi-entity accounting capabilities for complex organizational structures.

Finance teams manage payments via web dashboard or mobile app, while AI agents handle invoice coding and W-9 verification to eliminate manual data entry and reduce errors.

BILL's SOC 2 Type II compliance, PCI Level 1 certification, and in-house payment processing without third-party issuers make it a trusted financial operations backbone for growth-oriented SMBs and accounting firms nationwide.

⚡ Key Features

AI-powered multi-line invoice coding agent
Automated approval workflows with custom policies
International payments across 130+ countries
Corporate credit lines from $1K-$5M
Two-way sync with major accounting software
Automated W-9 collection and vendor verification

💪 Strengths & Weaknesses

4 Pros 3 Cons
💪
Strengths
What it does well
Massive 8.3M payment network
Free spend and expense tier
Deep accounting software integrations
In-house payment processing control
⚠️
Weaknesses
Areas to improve
Per-user pricing adds up
U.S.-centric platform availability
Complex onboarding for enterprises

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🌍 Available In

7 countries
United States Canada United Kingdom Australia Germany France India
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