BILL vs. Brex for financial operations

Take control of your accounts payable, accounts receivable, spend, and expenses with BILL's financial operations platform.

See how BILL can streamline your finances.
TOP 50
Small Business Products
2025
TOP 50
Accounting & Finance Products
2025
BILL vs Brex Hero featuring the BILL Divvy Card
Companies that choose BILL

Top reasons to choose BILL over Brex

Free spend management

BILL offers free spend & expense management tools, complete with budgeting controls and real-time reporting.

Accounts payable on the go

Review, approve, and pay no matter where your business takes you with BILL's 5-star rated mobile app.

Flexible accounts receivable

Pay and get paid—your way. With BILL Accounts Receivable, you can send and create invoices, configure payment reminders, and so much more.

Comparing BILL vs. Brex

See how BILL streamlines your financial operations from top to bottom—so you can get things done and get back to growing your business.

Spend & expense1 Brex
Pricing Free-to-use software for all. Must upgrade all users to Brex Premium or Brex Enterprise to unlock all features, starting at $12/user/month.
Payment services X
Credit lines Multiple options that optimize cash flow or cash back with limits that don't fluctuate daily.2 Business limits are reassessed daily and fluctuate as connected bank account balance fluctuates.
Physical1 & virtual cards for all
Budget management Available to Brex Premium or Enterprise customers only.
Real-time transaction tracking and reporting
Receipt capture and matching
Auto-categorization
Merchant controls
Reimbursement
Rewards
Advanced approval workflow
Expense policies
Automated HRIS syncs Available to Brex Premium or Enterprise customers only.
Google Pay & Apple Pay support

1The BILL Divvy Card may be issued by one of Divvy Pay, LLC’s bank partners. The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement.

2Credit lines are not guaranteed and will be determined upon application approval.

Accounts payable Brex
Pricing Tiered subscriptions based on the features and the number of users you need. Included in all plans.
Advanced approval workflows X
Custom user roles X
Pay using your own credit card (Visa, Discover, Amex, Mastercard) X
W-9 management & native 1099 filing X
International payments Available in +130 countries and +100 local currencies. Wire, Visa, Mastercard, & Discover payments. Must fund payment via Brex business account to send payments to many countries. Limited countries available when funded with an external bank account.
Centralized inbox
Invoice data capture
Unlimited document storage
Accounts receivable Brex
Auto-charge & auto-pay X
Invoice financing X
Recurring invoices X
Automated reminders X
ACH and credit card payments ACH and wire payment only. Can only be deposited into a Brex Business Account.
Customized invoice templates
Mobile app Brex
AP & AR X
Spend and expense

Integrations Brex
Microsoft Dynamics 365 3 X
Xero
Netsuite
Sage Intacct
QuickBooks
API Integrations

3Microsoft Dynamics 365 integrations are only available for AP & AR.

Customers are saving time and money with BILL

“Chasing people down, finding and verifying receipts, that had to be 20 or 30 hours a month easily. We were already using BILL AP, so we added BILL Spend & Expense. It has saved my group a lot of hours.”

Jason Davis
Controller

"BILL Accounts Payable does it all in one shot, using the same process for both domestic and international payments."

Melissa Harris
Director of Accounting Operations

“[With BILL Spend & Expense] you could control the amount of [employee] spending. You could look at the budgets and receipts at any time, on a real time basis.”

Amy Liu
Founder and CEO

"BILL Spend & Expense not only gives insights into real-time spending, but can help gauge future trends when cash flow may not be high."

Bryan Kroten
VP of Marketing

Join the nearly half a million businesses that put their trust in BILL

*As of June 30, 2024
**Based on a survey of 127 BILL Spend and Expense users conducted by UserEvidence in March 2022.
7.1M
total network members pay or get paid with BILL.*
$10K+
average monthly savings.**
12 hrs
saved monthly (on average).**
$300B
in total payment volume (~1% of US GDP).*
*As of June 30, 2024
**Based on a survey of 127 BILL Spend and Expense usersconducted by UserEvidence in March 2022.
See BILL in action
Discover how easy it is to streamline your financial operations.
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Frequently asked questions

What payment methods does BILL support?

BILL supports ACH, card, virtual card, check (including options to pay faster), and international payments to 130+ countries.

Does BILL offer account receivable automation?

Yes. BILL offers an automation platform for AR that helps businesses streamline how they create, send, and manage invoices, so they can get paid faster.

Can I use BILL for international business payments?

Yes. BILL supports international payments to over 130 countries, allowing businesses to pay international vendors efficiently and securely. You can even make payments in local currencies without wire fees, get competitive exchange rates for over 100 different currencies, and avoid bank intermediary fees.

Does BILL offer live support?

Yes. BILL offers live chat and phone support with real, live humans for all its customers.

What measures does BILL take to keep our payments secure?

BILL implements strict security measures to ensure the safety of your payments, including annual SOC1 and SOC2 Type II audits, AML and OFAC programs, advanced security software, 256-bit encryption, TLS for data transfer, two-step verification, secure data center facilities, processing through a digital payment network, virtual card payments, and Positive Pay for checks. Collectively, these measures protect your payment data and guarantee secure transactions. For more information visit bill.com/product/security.

Will BILL support our internal approval workflow?

Yes. With BILL, you can set up internal approval preferences and workflows, so bills can be reviewed and approved only by designated approvers. You can also create custom approval policies to fit specific needs: for example, if the approval process involves multiple approvers, you can set notifications to remind them when their participation is required. You can also utilize the BILL mobile app to approve or deny bills wherever you work.

Does BILL offer mobile apps?

BILL offers a full-featured, 5-star rated mobile app where you can manage both your AP and AR processes from wherever you're working today. BILL also offers The BILL Spend & Expense App, allowing you to manage budgets, expenses, and more from the palm of your hand.

What accounting software does BILL integrate with?

BILL integrates with many top accounting and financial software platforms to enhance your financial operations capabilities, including QuickBooks, NetSuite, Sage Intacct, Microsoft 365, and Xero. Securely connect with +7M in-network vendors regardless of what accounting system you use.