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Software · head to head

Bill.com vs Workato

Bill.com logo

Bill.com

Software

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite
Workato logo

Workato

Software

The enterprise integration platform

From
$99/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; Workato the pricing page names four product lines, Enterprise iPaaS, Agentic solutions, API Management and Data Orchestration, and publishes no figure for any of them, gating all of it behind Schedule a demo
  • They diverge on capability: Bill.com covers AP automation, Workato covers Process orchestration.

Where they differ

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

Attributes where Bill.com and Workato differ
AttributeBill.comWorkato
Starting priceFree$99/month
Pricing modelUnknownsubscription
Free tierYesNo
PlatformsWebWeb, On-premise
Founded20062014

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

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 Workato

  • Process orchestration
  • Master data management
  • Integration templates
  • Real-time sync
  • Error handling
  • Monitoring
  • API management
  • Workflow analytics

Both cover

  • Oracle
  • Salesforce
  • SOC2
  • Cloud deployment

What people use each for

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

Bill.com

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

Workato

  • Workflow Automationnot Bill.com
  • Data Integrationnot Bill.com
  • Process Automationnot Bill.com
  • App Integrationnot Bill.com
  • API Connectivitynot 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

Workato

  • The pricing page names four product lines, Enterprise iPaaS, Agentic solutions, API Management and Data Orchestration, and publishes no figure for any of them, gating all of it behind Schedule a demo

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

Workato

$99/month
  • Starter$99/month
    • Up to 50 recipes
    • Basic integrations
    • Email support
  • Professional$299/month
    • Unlimited recipes
    • Premium integrations
    • Priority support
  • Enterprise$999/month
    • Custom SLA
    • Dedicated support
    • Advanced security

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 Workato if

  • You need process orchestration.
  • You work on Web, On-premise.
  • You also want master data management.
Workato review

Questions people ask

Is Bill.com or Workato better?
Neither clearly leads. Bill.com starts at Free and Workato at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Workato?
Bill.com has a free tier; the other does not. Paid plans start at Free for Bill.com and $99/month for Workato.
Does Bill.com or Workato run on more platforms?
Bill.com runs on Web. Workato runs on Web, On-premise.
Can I use Bill.com for free?
Yes. Bill.com has a free tier, so you can try it without paying. Workato starts at $99/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 Workato is typically brought in for.
What can Bill.com do that Workato cannot?
Bill.com covers AP automation, AR automation, Payment processing, Approval workflows. Workato covers Process orchestration, Master data management, Integration templates, Real-time sync. Both handle Oracle, Salesforce, SOC2, Cloud deployment.

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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