Softwr

Accounting · head to head

Adyen vs Bill.com

Adyen logo

Adyen

Accounting

The payments platform built for growth

From
$0.13/per-transaction
Rated
-
Full reviewWebsite
Bill.com logo

Bill.com

Accounting

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Bill.com has a free tier, so it costs nothing to try first.
  • Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Bill.com limited customization of approval workflows and user permissions for complex business needs
  • They diverge on capability: Adyen covers Risk management, Bill.com covers AP automation.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Bill.com actually diverge.

Attributes where Adyen and Bill.com differ
AttributeAdyenBill.com
Starting price$0.13/per-transactionFree
Pricing modelusage-basedUnknown
Free tierNoYes
PlatformsWeb, Api, PosWeb

Identical on both: user rating (Not yet rated), category (Accounting), founded (2006).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Adyen

  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • PCI DSS Level 1
  • SOC 2
  • Api support

Only in Bill.com

  • AP automation
  • AR automation
  • Approval workflows
  • Document management
  • Vendor management
  • Cash flow insights
  • Mobile approvals
  • QuickBooks

Both cover

  • Payment processing
  • Salesforce
  • Oracle
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Bill.com
  • Accepting local payment methods across multiple countriesnot Bill.com
  • Settling in several currencies through linked bank accountsnot Bill.com
  • Unified online and in-person paymentsnot Bill.com

Bill.com

  • Invoice processingnot Adyen
  • Bill paymentsnot Adyen
  • Vendor paymentsnot Adyen
  • Cash flow managementnot Adyen
  • Financial automationnot Adyen

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Bill.com

  • Limited customization of approval workflows and user permissions for complex business needs
  • Limited international payment capabilities compared to specialists like Tipalti
  • Customer support response times are slow, with agents often lacking product expertise

Pricing, plan by plan

Adyen

$0.13/per-transaction
  • Transaction-Based Pricing$undefined/mo
    • Fixed $0.13 USD per transaction
    • Variable fee determined by payment method
    • No setup fees

Bill.com

Free
  • Essentials$49/month
    • Core AP and AR functionality
    • Manual CSV import/export
  • Team$65/month
    • Automatic 2-way sync with QuickBooks Online, Xero
  • Corporate$89/month
    • Procurement features
    • Custom approval policies
    • Sync with NetSuite, Dynamics

Which should you pick?

Choose Adyen if

  • You need risk management.
  • You work on Web, Api, Pos.
  • You also want unified commerce.
Adyen review

Choose Bill.com if

  • You need ap automation.
  • You want to start without paying.
  • You also want ar automation.
Bill.com review

Questions people ask

Is Adyen or Bill.com better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Bill.com at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Bill.com?
Bill.com has a free tier; the other does not. Paid plans start at $0.13/per-transaction for Adyen and Free for Bill.com.
Does Adyen or Bill.com run on more platforms?
Adyen runs on Web, Api, Pos. Bill.com runs on Web.
Can I use Bill.com for free?
Yes. Bill.com has a free tier, so you can try it without paying. Adyen starts at $0.13/per-transaction.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Bill.com is typically brought in for.
What can Adyen do that Bill.com cannot?
Adyen covers Risk management, Unified commerce, Issuing, Platform payments. Bill.com covers AP automation, AR automation, Approval workflows, Document management. Both handle Payment processing, Salesforce, Oracle, Web support.

Answered from the vendors’ own pages

Adyen: How much does Adyen charge per transaction?

Adyen charges a fixed $0.13 USD per transaction plus a variable fee based on the payment method used. Credit cards typically cost $0.13 + 0.60% + interchange, while digital wallets and BNPL options cost between $0.13 + 0.99% to $0.13 + 4.99%+, depending on the specific method and region.

Source
Bill.com: What payment methods does Bill.com support?

Bill.com supports ACH transfers, checks, corporate cards, and international transfers. ACH payments cost $0.59 per transaction, checks cost $1.99, and card payments incur a 2.9% fee.

Source
Adyen: Does Adyen have monthly subscription or setup fees?

No, Adyen has no setup fees or monthly recurring charges. You pay only for each transaction processed. The transaction fee structure remains the same regardless of transaction volume or business size.

Source
Bill.com: Does Bill.com offer a free tier?

Yes. Bill.com offers a free Spend & Expense plan for access to credit lines from $1,000-$5M with corporate cards, budgets, and expense tracking.

Source
Adyen: What's Adyen's Interchange++ pricing option?

Adyen offers an Interchange++ transparent pricing model that passes interchange and scheme fees directly to merchants instead of bundling them into a percentage rate. This allows visibility into exact costs for each payment method.

Source
Bill.com: Which accounting systems does Bill.com integrate with?

Bill.com integrates with QuickBooks Online, QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, and Xero, with automatic two-way syncing on most plans.

Source
Adyen: Can I process payments in multiple currencies with Adyen?

Yes, Adyen supports 100+ payment methods across multiple currencies. You can link multiple bank accounts in different currencies to avoid currency conversion fees on international transactions.

Source
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