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About

BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.

About

Gusto is an all-in-one payroll, HR, and benefits platform designed to simplify workforce management for small and medium-sized businesses. It allows companies to run payroll quickly with just a few clicks while automatically handling tax filings and compliance requirements. The platform helps identify tax credits and savings opportunities, making it easier for businesses to reduce costs. Gusto also offers employee benefits management, including health insurance and financial benefits, at no additional administrative cost. Its hiring and onboarding tools streamline the process of attracting and integrating new employees. Businesses can track time, manage talent, and access valuable insights from a centralized system. Gusto is built to save time, with many users reporting significant reductions in payroll and compliance workload. Overall, it provides a comprehensive solution for managing employees efficiently and compliantly.

Platforms Supported

Windows Not Supported
Mac Not Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Supported
iPad Supported
Android Supported
Chromebook Not Supported

Platforms Supported

Windows Not Supported
Mac Not Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Not Supported
iPad Not Supported
Android Not Supported
Chromebook Not Supported

Audience

Organizations interested in a powerful solution to way to create and pay bills, send invoices, and get paid

Audience

Gusto is ideal for small business owners, startups, and solopreneurs looking to streamline payroll, HR, and employee benefits management in one platform

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Not Supported

API

Offers API Supported

API

Offers API Supported

Screenshots and Videos

Screenshots and Videos

Pricing

$45 per user per month
AP: Starts at $45/user/month
Spend & Expense: $0/user/month
Free Version Not Supported
Free Trial Supported

Pricing

$49/month
Free Version Not Supported
Free Trial Supported

Reviews/Ratings

Overall 4.4 / 5
ease 4.6 / 5
features 4.6 / 5
design 4.4 / 5
support 5.0 / 5

Reviews/Ratings

Overall 5.0 / 5
ease 4.8 / 5
features 4.8 / 5
design 4.8 / 5
support 5.0 / 5

Pros & Cons from Real Users

Pros

  • This is a great way to pay all our bills in one place from multiple sources. It is intuitive to use . You can set up two or three way approvals with this system to streamline your approval system.
  • I like how easy it is to add new invoices to be paid. Once the invoices are in the system it automatically matches them to vendors. This can help quicken the data entry process. It also allows us to maintain internal controls by allowing a remote worker to make the payments and separate the work. Being able to pay vendors via electronic fund transfers is great and the process to request the vendor set it up is easy on our end.
  • We are a small non-profit without a dedicated administration or accounting team, and bill.com has been a great way to easily pay invoices, even to international donors. Customer support has been prompt when we've had questions or need assistance.
  • I like that Bill.com connects to QuickBooks and is user-friendly for people who don't have extensive experience in accounting. The features are intuitive, and tech support is available via chat when I need it.
  • - The image processing feature works excellently, as soon as a new bill is uploaded, it is converted into digital text and saved. Makes it easy to save and forget bills.

Cons

  • They don't send out true remittances, only notifications. It would be nice if they notification included the invoice numbers being paid and all credits taken. Integration with Quickbooks Online is a little clunky and needs some work.
  • Sometimes I have to help vendors set up the electronic funds transfer information. It can be confusing on their end sometimes.
  • The paid service can be a bit pricey, but I have not found a cheaper alternative that allows for online approvals.
  • From an A/R perspective, it is cumbersome for customers to connect and pay their bills using the platform. If they made it possible to pay via credit card or bank transfer instead of going through so many steps to sign up, my customers would be happier to use bill.com to pay their bills.
  • - I would appreciate some data analytics on my past usage and some suggestions about how I can reduce the spending on some things.

Pros & Cons from Real Users

Pros

  • Simplifies payroll processing remarkably which is a huge time saver. Offers benefits management, time tracking, compliance help.
  • As a business owner, I used to dread having to do payroll for my employees. But Gusto makes it super easy. Once your employee has entered in the system and you have stated how they are getting paid i.e. hourly or salary, it's super easy to do payroll. I have been able to do payroll while on an airplane, during dinner and by the beach on my iPhone! I simply enter the total hours worked and it's done. It literally takes me seconds!
  • Very easy to use, and has many features. The app and website are both streamlined and intuitive to use.
  • I use Gusto as my payroll solution for my bookkeeping business. They have the best prices for the services provided. Their platform is easy to use and navigate, they offer benefits and HR solutions in addition to payroll, and they've automated new employee onboarding which means less work for me!
  • Gusto is an incredible product. Everything is easy to find. It's intuitive. Every bit of information I need is at my fingertips. Their support is responsive and kind. And there's even a cute little (seasonally decorated!) animated pig that trots across your screen while it loads!

Cons

  • It is a bit pricey, especially for small businesses or startups.
  • There are no cons. They provide in one platform within Gusto- worker's compensation services, health insurance (you don't have to look for plans) they help you narrow the best options for where you live, and offer 401K plan and so much more! Everything you need is all in one place and one log in!
  • No complaints so far! I don't have to use it very often, but when I do it's always very easy to accomplish the tasks I want.
  • I can't think of anything I don't like about Gusto. They are so easy to use and the customer service is responsive and helpful as well.
  • I would love to see Gusto expand benefits offerings to more states. Their service is so incredible that we would like to use them for more, but they don't offer benefits in our state.

Training

Documentation Supported
Webinars Supported
Live Online Supported
In Person Supported

Training

Documentation Supported
Webinars Supported
Live Online Supported
In Person Not Supported

Company Information

BILL
Founded: 2006
United States
www.bill.com

Company Information

Gusto
Founded: 2011
United States
gusto.com

Alternatives

Alternatives

Categories

Accounts Payable Supported

BILL's Accounts Payable solution transforms the tedious invoice-to-payment journey into a streamlined digital experience. Say goodbye to paper chaos and manual errors. With BILL AP, you can: - Capture invoices instantly through email, scanning, or direct upload - Automate approval workflows that adapt to your business rules - Pay vendors their way with multiple payment methods - Sync seamlessly with your accounting software - Access anywhere with mobile-friendly cloud technology Stop drowning in paperwork and reclaim hours each week. BILL AP doesn't just process payments—it elevates your entire financial operation with visibility, control, and efficiency that paper-based systems simply can't match. For businesses ready to modernize their AP process, BILL delivers the perfect balance of powerful automation and intuitive design that makes paying bills the easiest part of your day.

BILL's Accounts Receivable solution turns the frustrating chase for payments into a smooth, predictable cash flow engine. With BILL AR, you can: - Send professional invoices instantly that make payment easy for customers - Track payment status in real-time with clear visibility into what's paid, pending, and overdue - Accept payments virtually any way your customers want to pay - Automate reminders that politely keep customers on track without awkward conversations - Reconcile transactions automatically with your accounting system Stop wondering when you'll get paid and start planning with confidence. BILL AR shortens your cash conversion cycle, reduces days sales outstanding (DSO), and transforms accounts receivable from a bottleneck into a business accelerator. For growth-focused businesses, BILL AR delivers the digital efficiency, payment flexibility, and financial clarity that turns receivables into reliable revenue—letting you focus on your business, not your billing.

AI Finance Supported
AP Automation Supported

BILL's Accounts Payable solution transforms the tedious invoice-to-payment journey into a streamlined digital experience. Say goodbye to paper chaos and manual errors. With BILL AP, you can: - Capture invoices instantly through email, scanning, or direct upload - Automate approval workflows that adapt to your business rules - Pay vendors their way with multiple payment methods - Sync seamlessly with your accounting software - Access anywhere with mobile-friendly cloud technology Stop drowning in paperwork and reclaim hours each week. BILL AP doesn't just process payments—it elevates your entire financial operation with visibility, control, and efficiency that paper-based systems simply can't match. For businesses ready to modernize their AP process, BILL delivers the perfect balance of powerful automation and intuitive design that makes paying bills the easiest part of your day.

AR Automation Supported

BILL's Accounts Receivable solution turns the frustrating chase for payments into a smooth, predictable cash flow engine. With BILL AR, you can: - Send professional invoices instantly that make payment easy for customers - Track payment status in real-time with clear visibility into what's paid, pending, and overdue - Accept payments virtually any way your customers want to pay - Automate reminders that politely keep customers on track without awkward conversations - Reconcile transactions automatically with your accounting system Stop wondering when you'll get paid and start planning with confidence. BILL AR shortens your cash conversion cycle, reduces days sales outstanding (DSO), and transforms accounts receivable from a bottleneck into a business accelerator. For growth-focused businesses, BILL AR delivers the digital efficiency, payment flexibility, and financial clarity that turns receivables into reliable revenue—letting you focus on your business, not your billing.

B2B Payment Supported
Budgeting Supported
Contractor Payment Supported
Expense Report Supported

BILL Spend & Expense transforms the headache of expense management into a painless digital process. Say farewell to lost receipts, delayed approvals, and manual reconciliation. With BILL Expenses, you can: - Capture receipts on the go with quick mobile snaps that digitize instantly - Create and submit expense reports in minutes, not hours - Set approval workflows that respect your company policies - Process reimbursements quickly so your team isn't left waiting - Gain real-time visibility into spending patterns and budget impacts Stop chasing paper trails and spreadsheet nightmares. Eliminate the friction between spending and accounting, giving employees, managers, and finance teams exactly what they need—simplicity, speed, and accuracy. For businesses tired of expense management chaos, BILL Spend & Expense delivers the digital transformation that turns one of your most tedious financial processes into one of your most transparent and efficient.

Finance Supported
Invoice Generators Supported
Payment Processing Supported
Recurring Billing Supported
Spend Management Supported

BILL Spend & Expense transforms the headache of expense management into a painless digital process. Say farewell to lost receipts, delayed approvals, and manual reconciliation. With BILL Expenses, you can: - Capture receipts on the go with quick mobile snaps that digitize instantly - Create and submit expense reports in minutes, not hours - Set approval workflows that respect your company policies - Process reimbursements quickly so your team isn't left waiting - Gain real-time visibility into spending patterns and budget impacts Stop chasing paper trails and spreadsheet nightmares. Eliminate the friction between spending and accounting, giving employees, managers, and finance teams exactly what they need—simplicity, speed, and accuracy. For businesses tired of expense management chaos, BILL Spend & Expense delivers the digital transformation that turns one of your most tedious financial processes into one of your most transparent and efficient.

BILL Spend & Expense transforms the headache of expense management into a painless digital process. Say farewell to lost receipts, delayed approvals, and manual reconciliation. With BILL Expenses, you can: - Capture receipts on the go with quick mobile snaps that digitize instantly - Create and submit expense reports in minutes, not hours - Set approval workflows that respect your company policies - Process reimbursements quickly so your team isn't left waiting - Gain real-time visibility into spending patterns and budget impacts Stop chasing paper trails and spreadsheet nightmares. Eliminate the friction between spending and accounting, giving employees, managers, and finance teams exactly what they need—simplicity, speed, and accuracy. For businesses tired of expense management chaos, BILL Spend & Expense delivers the digital transformation that turns one of your most tedious financial processes into one of your most transparent and efficient.

BILL transforms business spending with digital payment technology that's secure, controlled, and efficient. - Generate unique cards instantly for specific vendors or purchases - Set precise spending limits and controls - Enhance security by eliminating shared card numbers - Automate reconciliation with your accounting system - Track expenses in real-time - Earn cashback on eligible purchases Stop managing physical cards and manual processes. BILL puts control in your hands while streamlining your purchase-to-reconciliation workflow—turning everyday business spending into a strategic advantage for your bottom line.

Categories

Contractor Payment Supported
Global Payroll Supported
Human Resources Supported
Payroll Supported
Time & Attendance Supported
Time Tracking Supported

Accounts Payable Features

Approval Process Control Supported
Bank Reconciliation Supported
Cash Management Supported
Check Writing Supported
Duplicate Payment Alert Supported
Fraud Detection Supported
General Ledger Entry Supported
Vendor Management Supported

Accounts Receivable Features

ACH Payment Processing Supported
Billing & Invoicing Supported
Check Processing Supported
Collections Management Supported
Online Payment Processing Supported
Overpayment Processing Supported
Partial Payments Supported
Receivables Ledger Supported
Recurring Billing Supported

Billing and Invoicing Features

Billing Portal Supported
Contact Database Supported
Contingency Billing Supported
Customer Portal Supported
Customizable Invoices Supported
Dunning Management Supported
Hourly Billing Not Supported
Invoice History Supported
Mobile Payments Supported
Multi-Currency Not Supported
Online Invoicing Supported
Online Payments Supported
Payment Processing Supported
Project Billing Supported
Recurring/Subscription Billing Supported
Service Ticket Billing Supported
Tax Calculator Supported

Budgeting Features

"What If" Scenarios Not Supported
Asset Planning Not Supported
Balance Sheet Not Supported
Capital Asset Planning Not Supported
Cash Management Not Supported
Consolidation / Roll-Up Not Supported
Forecasting Not Supported
General Ledger Not Supported
Income Statements Not Supported
Multi-Company Supported
Multi-Department / Project Not Supported
Profit / Loss Statement Not Supported
Project Budgeting Not Supported
Run Rate Tracking Not Supported
Version Control Not Supported

Expense Report Features

Approval Process Control Supported
Invoice Management Supported
Multi-Currency Not Supported
Receipt Management Supported
Reimbursement Management Supported
Spend Control Supported
Time Tracking Not Supported
Workflow Management Not Supported

Payment Processing Features

ACH Check Transactions Supported
Bitcoin Compatible Supported
Debit Card Support Supported
Gift Card Management Not Supported
Mobile Payments Supported
Online Payments Supported
POS Transactions Not Supported
Receipt Printing Supported
Recurring Billing Supported
Signature Capture Supported

Recurring Billing Features

Customer Portal Not Supported
Deferred Billing Not Supported
Discount Management Not Supported
Dunning Management Not Supported
Invoice History Supported
Multi-Currency Not Supported
Multi-Period Recurring Billing Not Supported
Payment Processing Supported
Recurring Donations Not Supported
Subscription Billing Not Supported

Spend Management Features

Approval Workflow Supported
Budgeting / Forecasting Supported
Expense Tracking Supported
Multi-Currency Not Supported
Prepaid Cards Not Supported
Procurement Management Not Supported
Receipt Management Supported
Spend Analysis Supported
Spend Control Supported
Supplier Management Not Supported

Benefits Administration Features

Claims Management Not Supported
COBRA Administration Supported
Deduction Management Supported
Disability Insurance Administration Supported
Employee Benefits Administration Supported
Flexible Spending Accounts Not Supported
FMLA Administration Not Supported
For Brokers Not Supported
For Employers Supported
FSA Administration Supported
Health Insurance Administration Supported
HIPAA Compliant Supported
Life Insurance Administration Supported
Online Benefits Enrollment Supported
Premium Billing Not Supported
Provider Management Not Supported
Retiree Administration Not Supported
Retirement Plan Management Supported

Human Resources Features

360 Degree Feedback Not Supported
Applicant Tracking Not Supported
Attendance Management Supported
Benefits Management Supported
Career Development Planning Supported
Compensation Management Not Supported
Compliance Management Supported
Employee Database Supported
Employee Lifecycle Management Supported
Onboarding Supported
Payroll Management Supported
Performance Management Not Supported
Recruiting Management Not Supported
Self Service Portal Supported
Succession Planning Supported
Time & Attendance Management Supported
Time Off Management Supported
Timesheets Supported
Training Management Supported

Payroll Features

401(k) Tracking Supported
Attendance Management Not Supported
Benefits Management Supported
Check Printing Supported
Compensation Management Not Supported
Deductions Management Supported
Direct Deposit Supported
Multi-Country Not Supported
Multi-State Supported
Reporting/Analytics Supported
Self Service Portal Supported
Tax Compliance Not Supported
Vacation / Leave Tracking Supported
W-2 and 1099 Preparation Supported
Wage Garnishment Supported

Time Tracking Features

Automatic Time Capture Not Supported
Billable & Non-Billable Hours Supported
Billing & Invoicing Not Supported
Employee Database Not Supported
Expense Tracking Supported
Mobile Time Tracking Not Supported
Multiple Billing Rates Not Supported
Offline Time Tracking Supported
Online Time Tracking Supported
Overtime Calculation Not Supported
Time per Project Reporting Not Supported
Timesheet Management Supported
Vacation / Leave Tracking Supported

Integrations

DualEntry Supported
Everest Supported
FreshBooks Supported
Motileo Supported
QuickBooks Online Supported
Xero Supported
Bright Funds Not Supported
Buddy Punch Not Supported
Cratoflow Not Supported
Firstbase Not Supported
HubiFi Not Supported
Nango Not Supported
NextBee Not Supported
Ravio Not Supported
Relay Not Supported
Sage 50 Supported
Schedaddle Not Supported
Seed.hr Not Supported
SocialCrowd Not Supported
TimeDock Not Supported

Integrations

DualEntry Supported
Everest Supported
FreshBooks Supported
Motileo Supported
QuickBooks Online Supported
Xero Supported
Bright Funds Supported
Buddy Punch Supported
Cratoflow Supported
Firstbase Supported
HubiFi Supported
Nango Supported
NextBee Supported
Ravio Supported
Relay Supported
Sage 50 Not Supported
Schedaddle Supported
Seed.hr Supported
SocialCrowd Supported
TimeDock Supported
Claim BILL and update features and information
Claim BILL and update features and information
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Claim Gusto and update features and information