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All industries · head to head

Bill.com vs Brex

Bill.com logo

Bill.com

All industries

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite
Brex logo

Brex

Accounting & Finance

The financial stack for growing businesses

From
$29/month
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: Bill.com limited customization of approval workflows and user permissions for complex business needs; Brex the free Essentials tier is limited to two legal entities
  • They diverge on capability: Bill.com covers AP automation, Brex covers Corporate cards.

Where they differ

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

Attributes where Bill.com and Brex differ
AttributeBill.comBrex
Starting priceFree$29/month
Pricing modelUnknownfreemium
Free tierYesNo
PlatformsWebWeb, Ios, Android
CategoryAll industriesAccounting & Finance
Founded20062017

Identical on both: user rating (Not yet rated).

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 Bill.com

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

Only in Brex

  • Corporate cards
  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • SOC 2
  • PCI DSS
  • FDIC insured

Both cover

  • QuickBooks
  • Xero
  • NetSuite
  • Web support

What people use each for

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

Bill.com

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

Brex

  • Corporate cards with spend controls for startupsnot Bill.com
  • Expense management and reimbursementsnot Bill.com
  • Travel booking inside the spend platformnot Bill.com
  • Bill pay and accounting system syncnot Bill.com
  • Multi-entity spend management on the paid tiersnot Bill.com

Where each one falls short

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

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

Brex

  • The free Essentials tier is limited to two legal entities
  • Premium is $12 per user per month, so cost scales with headcount using the card
  • Enterprise and Smart Card pricing is not published
  • Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit

Pricing, plan by plan

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

Brex

$29/month
  • EssentialsFree
    • Corporate cards
    • Expense management
    • Bill pay
  • Premium$12/month
    • Advanced controls
    • Custom approvals
    • Travel booking

Which should you pick?

Choose Bill.com if

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

Choose Brex if

  • You need corporate cards.
  • You work on Web, Ios, Android.
  • You also want business accounts.
Brex review

Questions people ask

Is Bill.com or Brex better?
Neither clearly leads. Bill.com starts at Free and Brex at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Brex?
Bill.com has a free tier; the other does not. Paid plans start at Free for Bill.com and $29/month for Brex.
Does Bill.com or Brex run on more platforms?
Bill.com runs on Web. Brex runs on Web, Ios, Android.
Can I use Bill.com for free?
Yes. Bill.com has a free tier, so you can try it without paying. Brex starts at $29/month.
What is Bill.com best used for?
Bill.com is most often used for invoice processing, bill payments, vendor payments, cash flow management. Of those, invoice processing and bill payments are not what Brex is typically brought in for.
What can Bill.com do that Brex cannot?
Bill.com covers AP automation, AR automation, Payment processing, Approval workflows. Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Both handle QuickBooks, Xero, NetSuite, Web support.

Answered from the vendors’ own pages

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
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
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
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Related pages

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