Comparison · Updated November 2, 2026
Paystand vs BILL (US B2B receivables)
Paystand
B-
Paystand is a California B2B payments and accounts-receivable company, founded in 2013 by Jeremy Almond and Scott Campbell, built on a premise that inverts how this industry normally charges: you pay a flat monthly subscription rather than a percentage of every transaction. Its own bank-to-bank network carries payments between businesses at no transaction fee, while card and ACH acceptance are resold at what it describes as pre-negotiated wholesale rates, and the software sits on top automating invoicing, collections and reconciliation against ERP systems like NetSuite. It bought the spend-management company Teampay in April 2024, which took it into accounts payable as well, and it says the combined network now touches more than a million businesses with over $20bn in payment volume processed. In April 2026 it launched USDb, a stablecoin backed one-to-one by dollar reserves and issued on two Bitcoin layers — a genuine strategic bet, and the thing most likely to decide whether a given finance team sees Paystand as forward-looking or as a risk it does not need.
BILL (Bill.com)
B
BILL, still widely known as Bill.com, is the largest US accounts-payable and accounts-receivable payments platform for small and mid-sized businesses: 479,300 businesses, $98 billion of payment volume in the quarter to June 2026 and $1.65 billion of annual revenue, run from San Jose by founder René Lacerte since 2006 and listed on the NYSE since 2019. It charges per user — $49, $65 or $89 a month on the Essentials, Team and Corporate plans, custom for Enterprise — plus per-payment fees that it publishes in full: 59¢ per ACH, $1.99 per mailed cheque, free virtual-card and foreign-currency wires, 2.9% to pay or be paid by card, and 1% (minimum $9.99, maximum $100) to send money instantly. Its Spend & Expense card product, the former Divvy, is free. Licensed as a money transmitter in all 50 states, it is a serious, regulated piece of infrastructure; it is also a subscription business with a complicated fee table, uneven support and a stream of complaints about payments held in transit.
VS
Overview
We compare the two for a US business collecting payments from other businesses, which is accounts receivable (AR). We used each company's own pricing pages, help centre and terms of service as read on 2 November 2026. BILL is compared on its direct AP & AR plans. Every one of those plans, including the $49 Essentials plan, now bundles accounts payable (AP) with receivables, so there is no AR-only BILL price to set against Paystand's. Paystand is compared on its AR and payments product. Paystand is a Scotts Valley, California company co-founded in 2013 by Jeremy Almond, who is still chief executive. It is private and venture-backed, bought the spend-management company Teampay in April 2024 and the payout platform Bitwage in November 2025. BILL is a San Jose company founded by René Lacerte in 2006 and listed on the NYSE since 2019. The two charge in opposite ways. BILL publishes its fee table: $49, $65 or $89 per user a month, plus 2.9% for each card payment you receive and 59¢ for each ACH payment. Paystand publishes no subscription price and no base card or ACH rate. Its pitch is a flat subscription, with no transaction fee on payments made over its own network. Its pricing page calls this a flat monthly rate, while its homepage describes a flat annual platform fee set by the products, payment volume, integrations and workflows you need. Its terms do set out how card pricing works: a contracted base rate, plus surcharges for rewards, premium and commercial cards. Paystand's help centre gives default payout times of two business days for card payments and six for ACH, in an article last updated in April 2024. We could not load BILL's help-centre pages on receivables timing, so we could not confirm its figures. On the evidence available, BILL is the one you can price and buy today. Paystand is the one to get quoted if large invoices and card fees are your main cost.
Key Takeaways
- ✓It depends on what you can price. BILL publishes its fee table: $49–$89 per user a month, 2.9% per card payment received and 59¢ per ACH. Paystand publishes no subscription price, card rate or ACH rate.
- ✓BILL's AR is sold with AP. Every direct BILL plan, from the $49 Essentials plan up, includes both, so you pay per user for AP workflow whether you need it or not. Paystand sells AR and payments on a flat subscription, which its homepage says is priced on products, payment volume, integrations and workflows rather than per user.
- ✓Paystand charges no transaction fee on payments over its own network. Card payments are priced at a contracted base rate plus surcharges of 35 basis points and above for rewards, premium and commercial cards. It also charges $35 for every dispute or chargeback, whether you win or lose.
- ✓For ERP users, Paystand offers native NetSuite, Sage Intacct, Dynamics 365 and Acumatica integrations. BILL syncs with those systems only on its custom-priced Enterprise plan. On Essentials it uses CSV files for QuickBooks and Xero, and two-way sync starts on Team.
- ✓BILL's live chat runs seven days a week and its BBB grade is A+. Paystand's support is ticket-based. The only hours it states, weekdays 9am to 5pm Eastern, come from a help article last updated in January 2024. Its BBB grade is B- because of one unanswered complaint.
Paystand
Paystand fits a mid-market business with large invoices and an ERP such as NetSuite or Sage Intacct, where card fees on big invoices are the main cost and moving payers onto bank payments would remove them. Before signing, get the subscription price, the contracted card base rate, the contract term and the payout schedule in writing. None of them is published.
BILL (Bill.com)
BILL fits a small or mid-sized business that wants AP and AR in one system, on published prices. You pay per user and 2.9% or 59¢ per payment received. QuickBooks or Xero sync starts on the $65 Team plan, while NetSuite and Sage Intacct sync needs the Enterprise plan.
The Verdict
It Depends on Your Needs
Why?
These are two different ways to buy receivables software, and only one of them can be priced in advance. BILL publishes its fee table: a per-user subscription that always bundles AP with AR, 2.9% on cards received and 59¢ per ACH. It has seven-day chat support, an A+ BBB grade and money-transmitter licensing. Its weak points are per-seat costs that add up for a team, ERP sync above QuickBooks and Xero only on Enterprise, and a long BBB complaint record led by billing issues. Paystand charges a flat subscription with no transaction fee on its own network, and offers native integrations with NetSuite, Sage and Dynamics. But it publishes no subscription price, no base card or ACH rate and no contract length. Choose BILL if you want AP and AR together at a price you can check today. Ask Paystand for a written quote if you are a mid-market ERP user whose biggest cost is card fees on large invoices, and compare that quote against BILL's published table.
Feature by feature
Detailed Comparison
Filter Options
Receivables pricing (US, November 2026)
| Feature | Paystand | BILL (Bill.com) |
|---|---|---|
| Software subscription | Not disclosed | $49, $65 or $89 per user a month; Enterprise custom |
| Paystand gives no figure. Its pricing page describes a flat monthly rate rather than per-transaction pricing and offers a custom ROI analysis. Its homepage instead describes an annual subscription based on the products, payment volume, integrations and workflows you need, with a flat annual platform fee for receivables customers. BILL's direct plans are Essentials $49, Team $65 and Corporate $89 per user a month, and Enterprise is custom. Every one includes both AP and AR: invoicing, reminders, auto-charge and collection by ACH and card. Spend & Expense is a separate $0 product. | ||
| Card payments you receive | Not disclosed | 2.9% |
| Paystand's terms and help centre say card fees are charged at a contracted base rate for qualified cards (including card present, e-commerce basic and regulated debit). A 35 basis-point assessment is added for tier 2 cards, such as rewards and unregulated debit, and further 75 basis-point assessments for premium and high-tier commercial cards. A 95 basis-point assessment applies when its convenience-fee recovery feature is used, and international cards cost extra. The base rate is not published. BILL charges the receiver a flat 2.9% per card payment. | ||
| ACH payments you receive | Not disclosed | 59¢ each |
| Paystand's terms say payments inside its own network carry no transaction fee. That covers account to account, Teampay cards, bitcoin, USDb and pre-tokenised bank to bank. A first-time bank authorisation may carry a one-time activation charge. ACH fees are 'subject to assessments' for risk and settlement timing, and bank-to-bank fees are set in your contract. BILL charges the receiver 59¢ per ACH or ePayment. | ||
| Card dispute or chargeback fee | $35 per dispute, win or lose | Not disclosed |
| Paystand's help-centre articles on card disputes (updated August 2026) and ACH chargebacks say a $35 fee is charged for every dispute or chargeback, whatever the outcome. Its separate fee for a non-processable cheque is also $35. BILL's terms say a non-refundable fee applies to every card payment dispute and that the original card fee is not refunded. Neither its terms nor its pricing page gives an amount for a separate dispute fee. | ||
Software subscription
Paystand
Not disclosed
BILL (Bill.com)
$49, $65 or $89 per user a month; Enterprise custom
Paystand gives no figure. Its pricing page describes a flat monthly rate rather than per-transaction pricing and offers a custom ROI analysis. Its homepage instead describes an annual subscription based on the products, payment volume, integrations and workflows you need, with a flat annual platform fee for receivables customers. BILL's direct plans are Essentials $49, Team $65 and Corporate $89 per user a month, and Enterprise is custom. Every one includes both AP and AR: invoicing, reminders, auto-charge and collection by ACH and card. Spend & Expense is a separate $0 product.
Card payments you receive
Paystand
Not disclosed
BILL (Bill.com)
2.9%
Paystand's terms and help centre say card fees are charged at a contracted base rate for qualified cards (including card present, e-commerce basic and regulated debit). A 35 basis-point assessment is added for tier 2 cards, such as rewards and unregulated debit, and further 75 basis-point assessments for premium and high-tier commercial cards. A 95 basis-point assessment applies when its convenience-fee recovery feature is used, and international cards cost extra. The base rate is not published. BILL charges the receiver a flat 2.9% per card payment.
ACH payments you receive
Paystand
Not disclosed
BILL (Bill.com)
59¢ each
Paystand's terms say payments inside its own network carry no transaction fee. That covers account to account, Teampay cards, bitcoin, USDb and pre-tokenised bank to bank. A first-time bank authorisation may carry a one-time activation charge. ACH fees are 'subject to assessments' for risk and settlement timing, and bank-to-bank fees are set in your contract. BILL charges the receiver 59¢ per ACH or ePayment.
Card dispute or chargeback fee
Paystand
$35 per dispute, win or lose
BILL (Bill.com)
Not disclosed
Paystand's help-centre articles on card disputes (updated August 2026) and ACH chargebacks say a $35 fee is charged for every dispute or chargeback, whatever the outcome. Its separate fee for a non-processable cheque is also $35. BILL's terms say a non-refundable fee applies to every card payment dispute and that the original card fee is not refunded. Neither its terms nor its pricing page gives an amount for a separate dispute fee.
Best For Your Business
Recommendations based on your business type
Small business with one or two finance users on QuickBooks or Xero
Recommended
BILL (Bill.com)
BILL's Team plan at $65 per user a month adds two-way QuickBooks and Xero sync, and every receivables fee is published. Paystand lists Xero for AR but publishes no price, so a small team cannot check whether a flat subscription beats per-payment fees.
Mid-market company on NetSuite or Sage Intacct collecting large invoices
Recommended
Paystand
Paystand's native ERP integrations and fee-free network are built for this case. BILL only syncs with NetSuite or Sage Intacct on its custom-priced Enterprise plan. Get Paystand's subscription, card base rate, contract term and payout schedule in writing, and get an Enterprise quote from BILL to compare.
Business that wants to pay suppliers and collect from customers in one tool
Recommended
BILL (Bill.com)
Every BILL plan bundles AP and AR, with published disbursement fees such as 59¢ ACH and $1.99 mailed cheques. Paystand added AP and spend management through Teampay, but its pricing for any of it is not published.
Business whose customers already pay mostly by ACH
Both. With little card volume to displace, Paystand's main saving is small, and BILL's 59¢ per ACH is already low. The decision comes down to subscription cost for your number of users, which only Paystand's quote can settle.
Paystand: Best for 1 use case
BILL (Bill.com): Best for 2 use cases
Frequently Asked Questions
Common questions about this comparison
It cannot be checked from published figures. BILL charges $49, $65 or $89 per user a month, plus 2.9% per card payment and 59¢ per ACH payment you receive. Paystand charges a flat subscription with no transaction fee on its own network, but publishes neither the subscription price nor its base card and ACH rates. Paystand is more likely to come out cheaper when you collect large invoices by card and can move those payers onto bank payments. To know for sure, get a written quote and model it against your own last twelve months of payments.
As of November 2026, BILL charges the receiver 59¢ per ACH or ePayment, 2.9% per credit or debit card payment, 1.25% (minimum $1) for an instant transfer and $1.99 per mailed invoice. That is on top of the per-user subscription. Every direct plan, including Essentials at $49 per user a month, includes receivables features.
No. Its pricing page describes a flat monthly rate and zero transaction fees on the Paystand network, and offers a custom ROI analysis instead of prices. Its homepage describes the subscription as annual, priced on the products, payment volume, integrations and workflows you need. Its terms do describe the card pricing structure: a contracted base rate plus surcharges of 35 basis points and above for rewards, premium and commercial cards. Its help centre lists a $35 fee for every dispute or chargeback.
Both do, on different terms. Paystand offers a native NetSuite integration, along with Sage Intacct, Sage 100, 300 and X3, Microsoft Dynamics 365 and Acumatica. BILL syncs with NetSuite, Sage Intacct, Dynamics, Acumatica and QuickBooks Enterprise only on its Enterprise plan, which is custom-priced.
Paystand's help centre gives default times of two business days for card payments, four for bank-to-bank and six for ACH, in an article last updated in April 2024, and says your agreement can change them. We could not load BILL's help-centre articles on receivables timing. Its ACH page says customer payments land 'within a day or two', but the same page's FAQ says a standard ACH payment typically takes four business days to arrive. Ask either company to put your payout schedule in writing.
BILL's subscription renews each billing cycle and can be cancelled at any time, effective at the end of the cycle, and its terms contain no termination fee. Paystand signs individual contracts. Its homepage describes an annual subscription, but it does not publish the contract length. Its terms let it raise prices by up to 7% a year after the contract term ends.
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