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Cut costs, eliminate manual work, and gain full visibility into your payables process.
BILL is a popular AP automation solution designed to help organizations streamline invoice processing and optimize supplier payments. The system easily digitizes manual tasks for small and medium-sized businesses (SMBs), improving visibility, accuracy, and efficiency.
However, as a business expands, it can encounter limitations with BILL, including scalability, rigid controls, and managing global payables. These gaps hinder financial oversight, introduce errors, and slow down workflows. As your AP demands grow, the need for stronger, enterprise-ready solutions increases.
This article explores the best BILL alternatives (including top features, serviceable market, strengths, pricing, and customer rating) to help you choose the prime fit for your business.
5 Signs You’ve Outgrown BILL or Any SMB AP Tool
1. Struggling to Pay Global Suppliers
Although BILL can pay via global wire transfers, it is limited compared to systems like Tipalti, which allows payments in 120 local currencies in over 200 countries and territories.
2. Overwhelmed by Payment Volume
Attempting to process 100+ payments at once will expose BILL’s disadvantages compared to systems purpose-built to manage thousands in bulk.
3. Demanding Deeper Financial Controls
BILL has a limited accounts payable workflow that lacks the granular access permissions and data auditability that growing companies demand for deeper financial controls.
4. Increasing Number of Reconciliation Headaches
Data sync issues between BILL (or other AP platforms) and banks can lead to problems with reconciliation, complicating the closing of your books.
5. Limited Options for Payment Methods
SMB tools like BILL can become inadequate when companies must support diverse global payment methods, especially in high-volume transactions with rigorous controls.
What to Look for in a Scalable AP Solution
Here are some key features to look for in a scalable AP solution:
- End-to-end AP automation
- Global compliance
- Multi-entity support
- AI-powered invoice capture and PO matching
- Self-service supplier onboarding
- In-depth ERP integrations
- Reporting and analytics
- Configurable approvals
- Comprehensive security
Prioritizing these features can help you avoid the pitfalls of legacy AP tools and choose a more formidable system designed for high-volume, multi-national workflows.
For a deeper dive into must-have AP capabilities and common pitfalls to avoid, explore our AP Survival Guide.
Top BILL Competitors to Consider in 2025
- Tipalti: Best for Scalable, Global AP Automation
- Stampli: Best for Smart Invoice Management
- Concur: Best for AP Integration with Travel Expenses
- Airbase: Best for AP with Spend Control Needs
- Melio: Best for Simple AP Needs
Comparison: BILL Alternatives
| Feature | BILL | Tipalti | Stampli | Concur | Airbase | Melio |
|---|---|---|---|---|---|---|
| Invoice Automation | Simple invoice capture and approvals. | End-to-end AP with OCR invoice capture using AI Smart Scan and auto-routing. | Invoice collaboration with manual routing. | Invoice capture ties to travel and expenses. | Optimized invoice processing with integrated spend. | AI-powered OCR. |
| PO Matching | Two-way. | Line-level two- and three-way with discrepancy flagging. | Basic matching. (no three-way) | Line-level two-way and three-way. | Three-way matching. | Supported through third-party. |
| Reconciliation | ERP sync with manual steps. | Automated, real-time ERP sync and status tracking. | Partial sync with some manual tasks. | Syncs well with SAP. | Strong ERP sync. | Manual. |
| Intelligent Data Capture | OCR with manual data entry. | AI-powered OCR with machine learning for continuous improvement. | AI-enhanced data capture with some manual validation. | Supports OCR with a focus on travel and expense receipts. | Smart data capture for invoices and receipts. | AI-powered OCR. |
| Approval Workflows | Custom role-based rules (also by amount) | Multi-level configurable by staff role, data, and thresholds. | Role-based workflows and UI collaboration. | Policy-driven approvals (mainly for T&E). | Configured by amount, role, and entity. | Customizable by amount and user. |
| Tax Compliance | Tax form collection for W-9, W-8, and basic 1099 support. | Global compliance and tax form collection for W-9, W-8, 1099, 1042-S, and VAT with 3K+ rules. | Limited tax form management. | Calculate and report VAT and GST. | Automates W-9 collection and validation. | Collects W-9s and integrates with Tax1099 for e-filing. |
| Approver Access | Free via email with no login required. | Free via email with no login required. | Free access for approvers. | Free for internal approvers. | Free for approvers and budget holders. | Free approver access.. |
| Global Payments | Wire transfers to 137 countries in 106 currencies. | 200 countries in 120 currencies. | 100+ countries (requires integration with Stampli Direct Pay). | Only manages through a third party. | 200+ countries in 145 currencies. | 80+ countries in 16 currencies. |
| Custom Fields | Supported for select workflows. | Supported. | Supports some customization. | Minimal. | Supported. | Not supported. |
| ERP Integrations | Top integrations include NetSuite, QuickBooks, and Xero. | Native integrations with top brands like NetSuite, Intacct, QuickBooks, and over 50 additional ERP and accounting systems. | Common ERPs like QuickBooks and NetSuite. | Strong focus on the SAP ecosystem. | Top include QuickBooks and NetSuite. | Top integrations include QuickBooks and Xero. |
| Fee Splitting | Not available. | Supported across departments and entities. | Not available. | Not available. | Not available. | Not available. |
| Scalability | Assists with moderate invoice volume. | Built for growth and high-volume AP. | Mid-sized businesses managing small AP growth. | Larger enterprises with minimal need for AP. | Mid-size companies that are looking to grow. | Micro, small businesses, and SMBs. |
| Financial Controls | Basic approval workflows and audit logs. | Enterprise-grade with role permissions, compliance, and thorough audit logs. | Focuses on approval control and oversight. | Moderate controls with hyper focus on travel and expenses. | Highly customizable around spend workflows. | Minimal. |
| Best For | SMBs looking for basic AP automation tools. | Global, high-growth companies looking to expand with measured control. | Finance teams seeking stronger collaboration and visibility. | Companies with large travel and expense programs. | Mid-size companies looking to consolidate spend and AP. | Micro businesses, contractors, and global freelancers. |
1. Tipalti: Built for High-Growth AP Teams
Tipalti modernizes AP operations and is designed to scale as you scale. The end-to-end solution functions seamlessly in a unified cloud platform with AI Smart Scan invoice processing technology, auto-routing for approvals, built-in tax compliance, in-depth ERP integrations, and more. Tipalti is an industry-leading solution that delivers a white-label experience worldwide.
Top Features
- KPMG approved, built-in tax engine, and self-service partner onboarding
- Mass Payments effectiveness and fraudulent payment risk reduction
- End-to-end automation with mass payables, tax compliance, PO matching, and FX tools
Servicable Market
Tipalti is a great solution for any business looking to make the mass payments process faster, safer, and more efficient through automation. Whether your business is a startup or large enterprise, it’s a solution that fits all sizes and industries.
Strengths
- AI Smart Scan and auto-coding for faster invoice processing
- Global, performance-based platform for marketplaces, networks, and communities
- Reduces payment error rates by 66% using 26,000 AI-driven payment validation rules
Pricing
The AP Starter Plan for Tipalti is $99/month and includes features like AI Smart Scan invoice processing, a self-service supplier portal, W9/W8 collection and TIN validation, bill approval rules builder, domestic multi-entity infrastructure, card and expense tools, and integrations with leading ERPs.
There are also Premium and Elite pricing plans that offer advanced features with a custom quote, as well as three Mass Payments plans.
Customer Rating
G2: 4.5/5
Capterra: 4.6/5
What Our Customers Say
66% fewer payment errors. 25% faster close. 80% less AP workload.
Tipalti vs. Bill.com: Side-by-Side Comparison
 |  | |
|---|---|---|
| *Limited functionality | ||
| Invoice Management | AI-based OCR, predictive GL coding and approval routing, advanced PO matching, best-in-class approval emails, e-invoicing support | Header-level OCR, manual GL coding, approvers extra $ |
| PO Matching | Two and three-way with automated reconciliation.
| Two and three-way PO match with third-party integration only. |
| Reconciliation and Reporting | Fully managed in-house API and file-based integrations with leading ERPs, instant reconciliation
| QuickBooks and Xero focus. An enterprise plan is needed for NetSuite, Intacct, or MSFT Dynamics integration. File-based for other ERPs
|
| Tax and Regulatory Compliance | KPMG approved digital tax engine, TIN validations, prep reports, withholdings, and eFiling
| Manually collect W-9s and upload them for scan and capture of data. No W-8 support. No TIN validations
|
| Global Remittance | Pay to 200+ countries and territories in 120+ currencies via 50+ methods. Globally licensed, Bluechip bank partners, fraud protection | BILL pays to 130+ countries in over 100 currencies.
|
| FX Solutions | Self-service onboarding, payment validations, proactive status comms, supplier choice, and visibility. 26K+ rules validate payments, screen against OFAC/SDN lists | Supplier network and not a customer-owned supplier relationship experience |
| Supplier Management | Support for custom fields | No support for custom fields
|
| Touchless Invoice Processing | Header and line-level OCR with AI/ML, managed services, and 2/way PO matching.
| Header-level OCR. No PO matching or ML.
|
| Bill Approval | Via email with no login or fee, with role-based workflows.
| Requires login and additional $45/month per approver. No emails.
|
| Pay Fee Splitting | Split fees between payer and payee.
| Not supported. The payer must pay all fees. |
| Multi-Entity Support | Manages payables for multiple subsidiaries with shared or separate workflows and automatic currency/entity mapping. | Limited support. No real-time reconciliation or consolidation. |
| Scalability | Works for high-volume, global companies managing a multitude of payments each month. | Works for small businesses where scaling requires workarounds or switching platforms. |
| ERP Integrations | NetSuite, Intacct, Sage, QuickBooks, MS Dynamics, and 50 more ERPs, with instant reconciliation. | Integrates with QuickBooks and Xero, but an enterprise plan is required for NetSuite or Dynamics. Sync via CSV/file for most ERPs. |
Customer Stories
Don’t just take our word for it, see what our customers are saying
AP Automation 
United States, Global 
Business services
100 – 1000
Mass Payments 
AdTech
Music royalties
Software and technology
MarketplacesExperience the Full Power of End-to-End AP Automation with Tipalti
How Other BILL Competitors Stack Up
2. Stampli
Founded in 2015, Stampli is an AP automation solution designed to streamline approvals and improve invoice collaboration. The brand serves over 1,700 businesses across $100B+ yearly invoices and is a leader in the G2 Grid for AP Automation software.
Top Features
- Invoice collaboration tools with role-based workflows and UI collaboration
- “Billy the Bot” AI assistant for coding, approvals, audit trials, and communication
- Integrations with popular ERPs like QuickBooks and NetSuite
Servicable Market
Mid-sized companies looking to improve invoice collaboration without replacing legacy workflows.
Strengths
- Robust invoice approvals with a focus on transparency
- Works well with existing ERPs (like NetSuite, Sage Intacct, and QuickBooks)
- AI-powered invoice management to streamline invoice coding
Pricing
All Stampli pricing is quote-based, and you will need to contact sales.
Customer Rating
G2: 4.6/5
Capterra: 4.8/5
3. Concur
Acquired by SAP in 2014, Concur is a global leader in integrated travel and expense management, focusing on AP. The Washington-based brand serves over 48,000 customers worldwide across 150+ countries and regions.
Top Features
- Travel and expense management with mobile receipt capture
- Mileage tracking and compliance enforcement
- Focus on the SAP ecosystem and ERP integrations
Servicable Market
SMBs and enterprises with complex travel and expense needs that have limited AP functionality.
Strengths
- Advanced travel and expense tools with remote capabilities
- Multi-currency support and tax/VAT compliance
- Rich data synchronization for reporting and analytics
Pricing
Pricing is a custom quote based on modules and business needs.
Customer Rating
G2: 4.0/5
Capterra: 4.3/5
4. Airbase
The San Francisco-based business was launched in 2017 and offers a unified spend management system that effortlessly combines your AP with expense management and corporate cards. The brand serves thousands of customers across 100+ countries.
Top Features
- Unified spend management with customizable workflows
- AP tools with real-time reporting, approval, and multi-entity support
- Global payments to 200+ countries in 145 currencies
Servicable Market
Mid-market organizations that want to consolidate AP, expense, and cards.
Strengths
- Strong controls over non-payroll spend
- Modern UI with real-time visibility
- Native integrations with QuickBooks, NetSuite, and Xero
Pricing
Standard, Premium, and Enterprise plans are all quote-based.
Customer Rating
G2: 4.7/5
Capterra: 4.8/5
5. Melio
Founded in 2018, Melio is an NYC-based user-friendly AP platform that’s free to use. The brand targets smaller businesses and freelancers and is designed to easily manage payments via ACH, card, and checks. The company recently raised $150 million to expand its B2B payments.
Top Features
- Simple UI with advanced invoice scheduling
- Collects W-9s and integrates with Tax1099 for e-filing
- Pays to 80+ countries in 16 different currencies
Servicable Market
Small companies, freelancers, microbusinesses, and contractors.
Strengths
- Ease of use with a short learning curve
- No subscription required, and it offers a free plan
- Same-day transfers and fast processing
Pricing
The “Go” plan is free, the “Core” plan is $25/month, the “Boost” plan is $55/month, the “Unlimited” plan is $80/month, and the “Platinum” plan is quote-based. There is also a 90% discount for the first three months.
Customer Rating
G2: 4.5/5
Capterra: 4.2/5
Why Tipalti Is the #1 Alternative
| Feature | Tipalti Value |
|---|---|
| Global AP | Pays to 200+ countries, in 120 currencies, using 50+ methods. |
| Multi-Entity | Offers total transparency and visibility with a complete separation of workflows. |
| Tax Compliance | Global tax compliance with 62-country validation capabilities and over 3,000 rules. |
| ERP Integration | In-depth ERP integrations with leading platforms such as NetSuite, Intacct, SAP, and more than 50 other ERP and accounting systems. |
| Controls and Security | High-level security features with SOC 2, OFAC, AML, and detailed audit trails. |
| PO Matching and Automation | Advanced purchase order matching using AI tools like Smart Scan and auto-routing. |
Trusted by Finance Leaders. Backed by Industry Awards.
Final Thoughts: Why Growing Companies Choose Tipalti Over BILL
As a business scales, its accounts payable will quickly outgrow entry-level tools. While BILL may work great for now, it could lead to bottlenecks in the future. Tipalti is a purpose-built platform that supports modern AP departments that manage global operations.
Why choose Tipalti?
Scales When You Scale
A business can easily manage thousands of transactions across multiple entities and borders in over 200 countries.
Global Influence
Not only is the system available in several languages, but you can also make payments to 196 countries in 120 currencies, using 50+ payment methods.
Touchless Invoice Processing
Tipalti’s AI Smart Scan and auto-routing tools ensure the system captures every header and line-level detail of an invoice, with two and three-way PO matching for end-to-end automation.
Built-in Compliance
The platform is a KPMG-certified tax engine with tools for W8/W9 collection, OFAC screening, and 3,000+ payment validation rules.
Instant Reconciliation
Tipalti offers fully synced ERP integrations, which reduce manual costs and help teams close the books 25%+ faster.
White-Label Supplier Portal
Vendors can enter their own data with a self-service supplier portal that reduces queries for your AP team. They can also onboard, choose a preferred payment method, and check on payment status.
No Limits
Unlike BILL, Tipalti has no restrictions on payment amounts or transaction volumes.
Ready to Switch from BILL? Scale Smarter with Tipalti
See how Tipalti helps finance leaders eliminate manual payables, increase global reach, and confidently scale.
