Softwr

Accounting · head to head

Bill.com vs Mailchimp

Bill.com logo

Bill.com

Accounting

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite
Mailchimp logo

Mailchimp

E-Commerce

Turn emails into revenue

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Bill.com limited customization of approval workflows and user permissions for complex business needs; Mailchimp the free plan allows 250 contacts and 500 sends a month, with a 250 daily cap
  • They diverge on capability: Bill.com covers AP automation, Mailchimp covers Email campaigns.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Bill.com and Mailchimp differ
AttributeBill.comMailchimp
PlatformsWebWeb, iOS, Android
CategoryAccountingE-Commerce
Founded20062001

Identical on both: starting price (Free), pricing model (Unknown), free tier (Yes), 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 Mailchimp

  • Email campaigns
  • Marketing automation
  • Landing pages
  • Forms & popups
  • Audience management
  • Content studio
  • Analytics
  • Social media

Both cover

  • Salesforce
  • SOC2

What people use each for

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

Bill.com

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

Mailchimp

  • Email newslettersnot Bill.com
  • E-commerce marketingnot Bill.com
  • Lead generationnot Bill.com
  • Customer engagementnot Bill.com
  • Marketing automationnot 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

Mailchimp

  • The free plan allows 250 contacts and 500 sends a month, with a 250 daily cap
  • Price is driven by contact count, so the list growing raises the bill regardless of how much you send
  • Send allowances are a multiple of contacts, 10x on Essentials and 12x on Standard, so a large list with heavy sending forces a tier change
  • Essentials allows 3 seats and Standard 5; unlimited seats need Premium at $350 a month
  • The headline $13 and $20 prices are for 500 contacts, not a flat rate

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

Mailchimp

Free
  • FreeFree
    • 250 contacts
    • 500 sends per month
    • Basic email campaigns
  • Essentials$13/month
    • 500+ contacts
    • Email campaigns
    • Basic automation
  • Standard$20/month
    • Advanced automation
    • Segmentation
    • Landing pages

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 Mailchimp if

  • You need email campaigns.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want marketing automation.
Mailchimp review

Questions people ask

Is Bill.com or Mailchimp better?
Neither clearly leads. Bill.com starts at Free and Mailchimp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Mailchimp?
Bill.com starts at Free and Mailchimp at Free.
Does Bill.com or Mailchimp run on more platforms?
Bill.com runs on Web. Mailchimp runs on Web, iOS, Android.
Can I use Bill.com for free?
Both have a free tier, so you can try either at no cost before committing.
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 Mailchimp is typically brought in for.
What can Bill.com do that Mailchimp cannot?
Bill.com covers AP automation, AR automation, Payment processing, Approval workflows. Mailchimp covers Email campaigns, Marketing automation, Landing pages, Forms & popups. Both handle Salesforce, SOC2.

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
Mailchimp: Does Mailchimp offer a free plan?

Yes, Mailchimp's free plan supports up to 250 contacts and 500 sends per month with a 250-per-day cap.

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
Mailchimp: What email features does Mailchimp include?

Mailchimp provides email campaign builder, automation sequences, segmentation, contact management, and A/B testing for email marketing.

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
Mailchimp: Can Mailchimp integrate with e-commerce platforms?

Yes, Mailchimp integrates with Shopify, WooCommerce, Squarespace, and other e-commerce platforms for customer sync and abandoned cart automation.

Source
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