BILL vs Tipalti

BILL and Tipalti both automate supplier payments, but they charge for different things. BILL sells seats: Essentials, Team and Corporate are priced per user per month, with approvers counted in the bill. Tipalti sells a platform with unlimited users, starting at $99 a month for accounts payable and $249 for mass payments, then adds transaction fees on top. Both list a United States entity, so neither is a European option, and the choice comes down to how many people approve versus how many suppliers you pay.

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Both are reviewed in full in our accounts payable automation ranking: BILL and Tipalti.

1. 01

   Seats versus unlimited users

   BILL prices its AP and AR plans per user per month, billed monthly: Essentials at $49, Team at $65 and Corporate at $89, with the currency shown only as a dollar sign. Tipalti lists unlimited users on both Accounts Payable and Mass Payments. A company with eight approvers pays for eight seats at BILL, while Tipalti's entry price does not move with headcount. That favours Tipalti when many people touch invoices.

   Edge: Tipalti

2. 02

   What you pay before the first invoice

   Tipalti Accounts Payable starts at $99 a month and Mass Payments at $249 a month, plus transaction fees per invoice and payment and fees for add-on modules. BILL shows a per-user fee and, separately, payment fees such as $0.59 per ACH payment and $1.99 per mailed check. Neither page gives a single all-in monthly figure, so a buyer must model volume. BILL is the easier of the two to calculate from the page.

   Edge: BILL

3. 03

   Paying across borders

   BILL says it supports international payments to vendors outside the U.S. in 130+ countries and lists $19.99 for an international USD wire. The pages are written for US businesses, so the buyer's own entity must be checked. Tipalti's own description centres on supplier onboarding, tax form collection, sanctions screening and payments in many currencies. For payouts to many countries, the fact pack points to Tipalti as the purpose-built option.

   Edge: Tipalti

4. 04

   Where the larger ERP sync sits

   BILL's Team plan includes automatic two-way sync with QuickBooks Online and Xero plus AI multi-line bill coding. Syncing with NetSuite, Sage Intacct and Microsoft Dynamics, along with multi-entity accounting and dual control, needs the Enterprise plan, which has custom pricing. The Tipalti pages we read do not name accounting integrations. For a QuickBooks or Xero shop, BILL's published tiers are clearer.

   Edge: BILL

5. 05

   Approvals and procurement depth

   BILL Corporate adds custom approval policies and procurement, meaning purchase requests, purchase orders and two-way matching, with discounts for approver-only users. Tipalti's approval workflow is described as simpler than suites such as Medius or Stampli, and its Expenses, Procurement and Treasury modules are add-ons priced by custom quote. If invoice approval routing is the main job, BILL puts more of it into published tiers.

   Edge: BILL

6. 06

   Trial, free tier and entity

   BILL's AP and AR plan has a free trial in most cases, with no length or terms stated, and its pricing page names BILL Operations, LLC, Bill.com LLC and Divvy Pay LLC without a headquarters. Tipalti says it has no free tier, mentions no free trial, and lists Tipalti, Inc. in Foster City, California, United States. BILL is friendlier for a test run, while Tipalti is more explicit about where it sits.

   Depends on the buyer

Does Tipalti charge per user the way BILL does?

No, the Tipalti pricing page lists unlimited users on both Accounts Payable and Mass Payments. The charge comes from the monthly platform fee and from transaction fees per invoice and payment. Add-on module fees are separate.

Which of the two lets you test before buying?

BILL says its AP and AR plan has a free trial in most cases, though no length or terms are given. Tipalti states it offers no free tier and mentions no free trial. Both lists are based on the pricing pages only.

Can either one handle payments to suppliers abroad?

BILL says it supports international payments to vendors outside the U.S. in 130+ countries, with a listed $19.99 fee for an international USD wire.

Tipalti pays in many currencies and adds tax form collection and sanctions screening. For high-volume cross-border payouts Tipalti is the more specialised of the two.

• BILL pricing page: per-user plan prices, Team sync with QuickBooks Online and Xero, Corporate procurement, Enterprise ERP sync, trial wording and entity names.
• Tipalti pricing page: entry prices for Accounts Payable and Mass Payments, unlimited users, no free tier, custom-quote modules and the Foster City address.