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Accounting · head to head

Billin vs Mesh Payments

Billin logo

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From
€6.6/month
Rated
-
Full reviewWebsite
Mesh Payments logo

Mesh Payments

Accounting

Virtual card and spend management platform aimed at SaaS and travel spend

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mesh Payments has a free tier, so it costs nothing to try first.
  • Each has a real cost: Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need; Mesh Payments cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billin and Mesh Payments actually diverge.

Attributes where Billin and Mesh Payments differ
AttributeBillinMesh Payments
Starting price€6.6/monthFree
Pricing modelsubscriptionPer user per month
Free tierNoYes
PlatformsWebWeb, iOS, Android

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 Billin

Nothing recorded that Mesh Payments does not also cover.

Only in Mesh Payments

  • Per vendor virtual cards
  • Physical and virtual employee cards
  • Subscription and renewal tracking
  • Receipt capture and matching
  • Approval workflows
  • Travel spend controls
  • Accounting sync
  • Cashback programme

What people use each for

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

Billin

  • Invoice managementnot Mesh Payments
  • Multi-user accounting for freelancers and small businessesnot Mesh Payments

Mesh Payments

  • A software company trying to stop shadow SaaS renewals by giving every vendor its own capped cardnot Billin
  • A finance team that wants receipts matched at the point of spend rather than chased at month endnot Billin
  • A business issuing single use cards for contractor and agency payments with hard limitsnot Billin
  • A team funding trip specific spend with a card that expires when the trip endsnot Billin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Billin

  • Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
  • Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

Mesh Payments

  • Cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
  • Revenue depends on interchange, which means Mesh has a structural interest in card spend running through its rails and less incentive to support bank transfer or direct debit payment methods that many suppliers prefer.
  • Card issuing is limited to the entities and countries Mesh's issuing partners support, so groups with subsidiaries outside that footprint must run a second card programme and lose the single view they bought Mesh for.
  • The free Pro tier caps at three users, which is below the size at which spend control actually becomes a problem, so it functions as a trial rather than a usable plan.
  • It is a spend and card tool rather than an accounts payable system, so invoice heavy businesses still need a separate AP platform and end up reconciling two sources of supplier spend.

Pricing, plan by plan

Billin

€6.6/month
  • Plan Básico$80/year
    • 0-5 clients
    • 1 user
    • Max 10 products
  • Plan Básico$96/month
  • Plan Pro$168/year
    • 6-50 clients
    • 3 users
    • Max 50 products
  • Plan Pro$204/month

Mesh Payments

Free
  • ProFree
    • Up to 3 users
    • Virtual and physical cards
    • Receipt capture
  • Premium$13/month
    • Unlimited users
    • Approval workflows
    • Subscription management
  • Enterprise$undefined/month
    • Multi entity support
    • SSO and advanced controls
    • Custom approval hierarchies

Which should you pick?

Choose Billin if

Nothing in the data separates Billin from Mesh Payments on the points above - pick on price and on how each one feels to use.

Billin review

Choose Mesh Payments if

  • You need per vendor virtual cards.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want physical and virtual employee cards.
Mesh Payments review

Questions people ask

Is Billin or Mesh Payments better?
Neither clearly leads. Billin starts at €6.6/month and Mesh Payments at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billin or Mesh Payments?
Mesh Payments has a free tier; the other does not. Paid plans start at €6.6/month for Billin and Free for Mesh Payments.
Does Billin or Mesh Payments run on more platforms?
Billin runs on Web. Mesh Payments runs on Web, iOS, Android.
Can I use Mesh Payments for free?
Yes. Mesh Payments has a free tier, so you can try it without paying. Billin starts at €6.6/month.
What is Billin best used for?
Billin is most often used for invoice management, multi-user accounting for freelancers and small businesses. Of those, invoice management and multi-user accounting for freelancers and small businesses are not what Mesh Payments is typically brought in for.
What can Billin do that Mesh Payments cannot?
Mesh Payments covers Per vendor virtual cards, Physical and virtual employee cards, Subscription and renewal tracking, Receipt capture and matching.

Answered from the vendors’ own pages

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

Source
Mesh Payments: Is the free plan really free?

Yes for up to three users, with cards and receipt capture included. Beyond three users you move to the paid tier.

Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

Source
Mesh Payments: How does Mesh make money on a thirteen dollar plan?

Interchange on card spend. The subscription is a minority of revenue, which is why the cashback programme has a monthly spend threshold attached.

Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

Source
Mesh Payments: Can Mesh replace our accounts payable process?

Not fully. It controls card spend well but invoice capture, supplier onboarding and payment runs are better served by a dedicated AP tool.

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