Bill.com vs Carta

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.

No. Before options exist a spreadsheet reviewed by your lawyer is usually enough. The pressure to move normally comes at a priced round, or the first time you need a 409A to set a strike price.

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.

The subscription tiers bundle valuations differently and refreshes after material events can carry additional cost. Check what triggers a chargeable revaluation before you sign, because raising a round is exactly the moment you will need one.

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

Yes, it produces ASC 718 expense schedules and exports. If your accounts are prepared under a different framework, expect the schedules to be a starting point that your accountant reworks rather than something they post directly.

It can hold the share register and grants, and it does support some non United States structures. The 409A and United States tax workflow will not apply to you, so weigh it against local alternatives that understand your filings.

Harder than the export button suggests. You can export the data, but the receiving system has to reproduce every historical grant, cancellation and transfer, and someone has to verify the result against the original signed consents.

The company, even though investors and counsel are frequent users. That is the usual complaint about the pricing model: the party paying is not the only party benefiting.