BILL Spend & Expense

The pricing strategy for BILL Spend & Expense is uniquely disruptive in the fintech space. The core platform, which includes the expense management software, mobile app, and physical/virtual corporate cards, is provided at no subscription cost to the business. BILL earns its revenue from interchange fees paid by merchants when the corporate cards are used, effectively making the software 'free' for the end customer. However, for businesses that wish to leverage the broader BILL Financial Operations Platform for full accounts payable (AP) and accounts receivable (AR) automation, tiered monthly subscriptions apply, typically ranging from $49 to $89 per user per month. There are also per-transaction fees for specific services such as international wires, physical check payments, and instant transfers. This tiered approach allows businesses to start with zero overhead for spend management and gradually layer on paid automation features as their financial complexity increases.