# BILL (Bill.com) vs Tipalti **URL:** https://payablesbrief.com/compare/bill-com-vs-tipalti/ **Published:** 2026-10-10 **Modified:** 2026-10-11 **Author:** Payables Brief desk > BILL vs Tipalti on seat fees, payment fees, cost per invoice and NetSuite, Sage Intacct, SAP and Xero fit. --- Comparison # BILL (Bill.com) vs Tipalti BILL vs Tipalti compared on seat pricing, payment fees, cost per invoice, paying suppliers abroad and ERP fit for NetSuite, Sage Intacct, SAP and Xero. [Payables Brief desk](https://payablesbrief.com/about/) Updated 11 October 2026 First published 10 October 2026 ![](/img/hero/compare-bill-com-vs-tipalti-1200.webp) In brief - BILL works out to $1.70 per invoice at 1,000 invoices a month and $1.64 at 5,000 and 25,000. Tipalti gives no dollar amount for its transaction fees, so its full cost per invoice is a quote. - BILL charges $49 to $89 a user a month. Tipalti starts at $99 a month for unlimited users. - BILL prices every payment method: $0.59 per ACH, $1.99 per check, $19.99 per international USD wire and 2.9 percent to pay by card. - NetSuite, Sage Intacct and Dynamics 365 need BILL's custom Enterprise plan. Tipalti lists all three, plus SAP Business One, as native integrations. - BILL syncs Xero from its Team plan, and Tipalti lists Xero as an integration. **BILL (Bill.com) and Tipalti side by side** | | [BILL (Bill.com)](https://payablesbrief.com/cost/bill-com/) | [Tipalti](https://payablesbrief.com/cost/tipalti/) | | --- | --- | --- | | Pricing | Full list price | Base fee only | | Pricing model | Per-user monthly plans, plus a listed fee for each payment sent | Monthly platform fee with unlimited users, plus per-invoice and per-payment transaction fees with no dollar figure listed | | Monthly cost at 1,000 invoices | $1,698 ($1.70 per invoice) [bill.com/product/pricing](https://www.bill.com/product/pricing) | Base fee only, $99 a month [tipalti.com/pricing](https://tipalti.com/pricing/) | | Monthly cost at 5,000 invoices | $8,196 ($1.64 per invoice) [bill.com/product/pricing](https://www.bill.com/product/pricing) | Base fee only, $99 a month [tipalti.com/pricing](https://tipalti.com/pricing/) | | Monthly cost at 25,000 invoices | $40,980 ($1.64 per invoice) [bill.com/product/pricing](https://www.bill.com/product/pricing) | Base fee only, $99 a month [tipalti.com/pricing](https://tipalti.com/pricing/) | | NetSuite | Some plans: Enterprise plan only | Integrates: NetSuite | | Sage Intacct | Some plans: Enterprise plan only | Integrates: Sage Intacct | | Dynamics 365 | Some plans: Enterprise plan only | Integrates: Dynamics 365 Business Central | | QuickBooks | Some plans: Automatic sync on Team, Corporate and Enterprise; CSV import and export on Essentials | Integrates: QuickBooks | | Xero | Some plans: Automatic sync on Team, Corporate and Enterprise; CSV import and export on Essentials | Integrates: Xero | | SAP | No credit | Integrates: SAP Business One | | Who it is for | Small and midsize businesses on Essentials, Team and Corporate; multi-entity finance teams on Enterprise | Mid-market and enterprise finance teams; there is no free tier | | G2 rating | 4.4/5 from 1,812 reviews [g2.com/products/bill-ap-ar/reviews](https://www.g2.com/products/bill-ap-ar/reviews) | 4.5/5 from 424 reviews [g2.com/products/tipalti/reviews](https://www.g2.com/products/tipalti/reviews) | Monthly cost at the volume, user and payment mix set in the [pricing assumptions](https://payablesbrief.com/methodology/#assumptions). Implementation fees, connector fees with no list price and negotiated discounts are not included. Prices as of 4 October 2026. ## Cost per invoice BILL’s cost is seats plus payment fees. At [5,000 invoices a month](https://payablesbrief.com/volume/5000-invoices-a-month/) with four AP users on Essentials, that is $196 in seats and $8,000 in payment fees, $8,196 in total or $1.64 per invoice. At 25,000 invoices the seats rise to $980 and the payment fees to $40,000, and the cost per invoice stays at $1.64. The line items are on the [BILL cost record](https://payablesbrief.com/cost/bill-com/). Tipalti’s $99 a month covers the platform. Per-invoice and per-payment fees come on top, set by payment count, legal entities, enabled modules and the payment methods and currencies used, with no dollar amounts given. The [Tipalti cost record](https://payablesbrief.com/cost/tipalti/) shows the $99 base fee at every volume, with transaction fees on top. ## Seats and approvers Seat cost is where the two models differ most. BILL charges $49 a user a month on Essentials, $65 on Team and $89 on Corporate. Twenty users on Corporate cost $1,780 a month before any payment is sent, though approver-only users are billed at a lower rate on Corporate and Enterprise. Tipalti includes unlimited users at every price and charges nothing per approver, so adding a department head to an approval chain costs nothing extra. ## Payment fees BILL lists a fee for every method: $0.59 per ACH payment, $1.99 per mailed check, $19.99 per international wire in US dollars, and no fee for a virtual card or a foreign-currency wire, where BILL’s exchange rate applies. Instant payments cost 1 percent, between $9.99 and $100, and paying a bill by credit or debit card costs 2.9 percent. Tipalti’s fees vary by payment method and destination and come with the quote. It pays in more than 200 countries and territories over local rails, holds balances in multiple currencies and validates supplier tax IDs in 62 countries. Bills paid with the Tipalti Card earn cash back. ## ERP fit BILL keeps [NetSuite](https://payablesbrief.com/erp/netsuite/), [Sage Intacct](https://payablesbrief.com/erp/sage-intacct/) and [Dynamics 365](https://payablesbrief.com/erp/dynamics-365/) on its custom Enterprise plan. Tipalti lists native, two-way integrations with all three, and with SAP Business One, which is not among the ERPs BILL names. Tipalti notes that custom or API integrations can cost extra. For smaller ledgers, BILL syncs [QuickBooks](https://payablesbrief.com/erp/quickbooks/) and [Xero](https://payablesbrief.com/erp/xero/) automatically from its Team plan and leaves Essentials with CSV import and export. Tipalti integrates with QuickBooks and Xero. ## Which one fits BILL fits a team with a handful of AP users, on QuickBooks or Xero, that wants every payment fee priced up front; the [cost per invoice calculator](https://payablesbrief.com/calculator/) runs other payment mixes. Tipalti fits a team with many approvers, suppliers in several countries, or SAP Business One, where unlimited users beat seat pricing. Its transaction fees need a quote before the two can be set side by side in dollars. Ramp, the other vendor here with a full fee schedule, is compared with both: [Ramp vs BILL](https://payablesbrief.com/compare/ramp-vs-bill-com/) and [Ramp vs Tipalti](https://payablesbrief.com/compare/ramp-vs-tipalti/). The wider field is in the [BILL alternatives](https://payablesbrief.com/best/bill-com-alternatives/) and [Tipalti alternatives](https://payablesbrief.com/best/tipalti-alternatives/) rankings. ## Frequently asked questions - Is BILL or Tipalti cheaper? BILL's cost can be worked out in advance: $1.70 per invoice at 1,000 invoices a month and $1.64 at 5,000 and 25,000, mostly payment fees. Tipalti starts at $99 a month and sets its per-invoice and per-payment fees by quote, so a like-for-like figure needs a Tipalti quote. - Does BILL charge per user? Yes. BILL's plans run from $49 a user a month on Essentials to $89 on Corporate, with custom pricing on Enterprise. Approver-only users cost less than standard users on Corporate and Enterprise. Tipalti charges no per-user or per-approver fee. - Which one works with SAP? Tipalti lists a native, two-way integration with SAP Business One. SAP is not among the ERPs BILL names.