Softwr

Accounting · head to head

Bill.com vs Square

Bill.com logo

Bill.com

Accounting

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite
Square logo

Square

E-Commerce

Powering the economy

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; Square plus plan pricing not specified in documentation
  • They diverge on capability: Bill.com covers AP automation, Square covers Point of sale.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Bill.com and Square differ
AttributeBill.comSquare
Pricing modelUnknownfreemium
PlatformsWebPOS (Mobile app), Web
CategoryAccountingE-Commerce
Founded20062009

Identical on both: starting price (Free), 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
  • Approval workflows
  • Document management
  • Vendor management
  • Cash flow insights
  • Mobile approvals
  • Xero

Only in Square

  • Point of sale
  • Invoicing
  • Payroll
  • Banking
  • WooCommerce
  • Wix
  • PCI DSS
  • EMV compliant

Both cover

  • Payment processing
  • QuickBooks
  • Web support

What people use each for

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

Bill.com

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

Square

  • Accept payments with all-in-one POS applicationnot Bill.com
  • Online ordering and basic website creationnot Bill.com
  • Invoicing and appointment bookingnot Bill.com
  • Staff scheduling and loyalty programmesnot 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

Square

  • Plus plan pricing not specified in documentation
  • Processing fees differ by tier but exact rates not detailed
  • Free plan pricing mentioned but specific features for Plus unclear
  • Text marketing charged at 3¢ per message after first 500 included

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

Square

Free
  • FreeFree
    • Accept payments with all-in-one POS app
    • Online site builder (ordering profiles, basic websites, online stores, booking sites)
    • Item library and inventory tracking
  • Plus$null/mo
    • All Free plan features
    • Advanced POS features for food, retail, and appointments
    • Lower processing fees on card transactions

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 Square if

  • You need point of sale.
  • You want to start without paying.
  • You work on POS (Mobile app), Web.
  • You also want invoicing.
Square review

Questions people ask

Is Bill.com or Square better?
Neither clearly leads. Bill.com starts at Free and Square at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Square?
Bill.com starts at Free and Square at Free.
Does Bill.com or Square run on more platforms?
Bill.com runs on Web. Square runs on POS (Mobile app), Web.
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 Square is typically brought in for.
What can Bill.com do that Square cannot?
Bill.com covers AP automation, AR automation, Approval workflows, Document management. Square covers Point of sale, Invoicing, Payroll, Banking. Both handle Payment processing, QuickBooks, 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
Square: Does Square offer a free plan?

Yes, Square's free plan includes an all-in-one POS app, online site builder, item library and inventory tracking, invoicing, appointment scheduling, staff calendars, and checking and savings account access. No subscription fees are charged.

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
Square: What does Square Plus add compared to the free plan?

Square Plus adds advanced POS features for food and retail, lower processing fees on card transactions, custom loyalty programs, unlimited email marketing campaigns, text messaging, and staff scheduling and attendance 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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