Softwr

Accounting · head to head

Bill.com vs Fyle

Bill.com logo

Bill.com

Accounting

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite
Fyle logo

Fyle

Accounting

Real-time expense management that works with your cards

From
$11.99/month per active user
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; Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • They diverge on capability: Bill.com covers AP automation, Fyle covers Real-time card tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Bill.com and Fyle differ
AttributeBill.comFyle
Starting priceFree$11.99/month per active user
Pricing modelUnknownsubscription
Free tierYesNo
PlatformsWebWeb, Ios, Android
Founded20062016

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

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
  • Document management
  • Vendor management
  • Cash flow insights
  • Mobile approvals
  • Oracle

Only in Fyle

  • Real-time card tracking
  • Automatic receipt matching
  • Expense policies
  • Mileage tracking
  • Slack
  • SOC 2 Type II
  • GDPR
  • PCI DSS

Both cover

  • Approval workflows
  • QuickBooks
  • Xero
  • NetSuite
  • Sage Intacct
  • Web support

What people use each for

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

Bill.com

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

Fyle

  • Expense reporting and corporate card reconciliationnot Bill.com
  • Enforcing spend policy and approvals before reimbursementnot 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

Fyle

  • Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
  • API access and the Sage Intacct and NetSuite integrations require a paid tier
  • ACH reimbursements and project expense tracking sit above the entry plan
  • Both published plans are billed annually
  • Enterprise pricing is custom and aimed at organisations with 250 or more employees

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

Fyle

$11.99/month per active user
  • Growth$11.99/month per active user
    • Minimum 5 users
    • Unlimited expense tracking, receipt scanning
    • Card integrations, mileage/per diem tracking
  • Business$14.99/month per active user
    • Minimum 10 users
    • Multi-stage approvals, ACH reimbursements (US only)
    • Project tracking, Sage Intacct/300 CRE integrations
  • Enterprise$null/mo
    • 250+ employees
    • IP whitelisting, SSO options
    • Branded accounts, dedicated account manager

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 Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle review

Questions people ask

Is Bill.com or Fyle better?
Neither clearly leads. Bill.com starts at Free and Fyle at $11.99/month per active user, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Fyle?
Bill.com has a free tier; the other does not. Paid plans start at Free for Bill.com and $11.99/month per active user for Fyle.
Does Bill.com or Fyle run on more platforms?
Bill.com runs on Web. Fyle 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. Fyle starts at $11.99/month per active user.
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 Fyle is typically brought in for.
What can Bill.com do that Fyle cannot?
Bill.com covers AP automation, AR automation, Payment processing, Document management. Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Mileage tracking. Both handle Approval workflows, QuickBooks, Xero, NetSuite.

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
Fyle: How does Fyle define and charge for active users?

An 'active user' is defined as an employee who creates at least one expense or has a credit card connected with active transactions monthly. You only pay for active users, not all onboarded employees.

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
Fyle: What is Fyle's Growth plan pricing?

The Growth plan costs $11.99 per active user per month (billed annually) with a minimum of 5 users. Includes unlimited expense tracking, receipt scanning, and single-stage approvals.

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
Fyle: What features does Fyle's Business plan add?

The Business plan costs $14.99 per active user per month (minimum 10 users, annual billing) and adds multi-stage approvals, project tracking, ACH reimbursements (US only), and premium support.

Source
Share

Related pages

More on Bill.com

More on Fyle

Keep looking

Other head to heads