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Cut costs, eliminate manual work, and gain full visibility into your payables process.
Top BILL Competitors to Consider in 2025
- Tipalti: Best for Scalable, Global AP Automation
- Stampli: Best for Smart Invoice Management
- Concur: Best for AP Integration with Travel Expenses
- Airbase: Best for AP with Spend Control Needs
- Melio: Best for Simple AP Needs
Comparison: BILL Alternatives
| Feature | BILL | Tipalti | Stampli | Concur | Airbase | Melio |
|---|---|---|---|---|---|---|
| Invoice Automation | Header-level OCR, manual GL coding, approvers extra $. | AI-based OCR, predictive GL coding and approval routing, advanced PO matching, best-in-class approval emails, e-invoicing support. | Header-level OCR w/ low accuracy line-level suggestions. Manual PO matching workflow. Additional $ for approvers. | Most customers via cross-sell from Expense. High churn. Weaker approvals. | No managed services, 3-way match NS only, advanced approval policies added $, approvers added $. | Simple AI-powered OCR with manual uploads. |
| PO Matching | Two-way. | Line-level two- and three-way with discrepancy flagging. | Basic matching. (no three-way). | Line-level two-way and three-way. | Three-way matching. | Supported through third-party. |
| Reconciliation | QuickBooks and Xero focus. Enterprise plan needed for NetSuite, Intacct, or MSFT Dynamics integration. File-based for other ERPs. | Fully managed in-house API and file-based integrations with leading ERPs, instant reconciliation. | +70 ERP API or file-based integrations. Fast implementation, but DIY approach and limited support for complex setups. | 3rd party connectors for integrations like Netsuite have been error-prone. | NS focus, Intacct+QBO API integrated, the rest file-based | Manual. |
| Intelligent Data Capture | OCR with manual data entry. | AI-powered OCR with machine learning for continuous improvement. | AI-enhanced data capture with some manual validation. | Supports OCR with a focus on travel and expense receipts. | Smart data capture for invoices and receipts. | AI-powered OCR with some manual tasks. |
| Approval Workflows | Custom role-based rules (also by amount) | Multi-level configurable by staff role, data, and thresholds. | Role-based workflows and UI collaboration. | Policy-driven approvals (mainly for travel and expenses). | Configured by amount, role, and entity. | Customizable by amount and user. |
| Tax Compliance | Manually collect W-9s and upload them for scan and capture of data. No W-8 support. No TIN validations | KPMG approved digital tax engine, TIN validations, prep reports, withholdings, and eFiling. | Manually collect tax forms to add to vendor record. No digital capture, validations, withholdings, prep reports, eFiling. | None | W-9 collection only, no validation — can upload any document. | Collects W-9s and integrates with Tax1099 for e-filing. |
| Approver Access | Free via email with no login required. | Free via email with no login required. | Free access for approvers. | Free for internal approvers. | Free for approvers and budget holders. | Free approver access. |
| Global Payments | Domestic focus. Mostly wire for international, limited local transfer via Airwallex partnership. Slower payments | Pay to 200+ countries and territories in 120+ currencies via 50+ methods. Globally licensed, bluechip bank partners, fraud protection. | Domestic focus, slow payments. Int’l mostly wires to +100 countries. No MTLs. Payments must originate in USD. | Checks only. Shifting to pay via partner strategy. Retired invoice pay ACH. | No MTLs. No OFAC screening. Wire only international option. | Pays to 80+ countries in 16 currencies. |
| Custom Fields | Supported for select workflows. | Supported. | Supports some customization. | Minimal. | Supported. | Not supported. |
| ERP Integrations | Top integrations include NetSuite, QuickBooks, and Xero. | Native integrations with top brands like NetSuite, Intacct, QuickBooks, and over 50 additional ERP and accounting systems. | Common ERPs like QuickBooks and NetSuite. | Strong focus on the SAP ecosystem. | Top include QuickBooks and NetSuite. | Top integrations include QuickBooks and Xero. |
| Fee Splitting | Not available. | Supported across departments and entities. | Not available. | Not available. | Not available. | Not available. |
| Scalability | Assists with moderate invoice volume. | Built for growth and high-volume AP. | Mid-sized businesses managing small AP growth. | Larger enterprises with minimal need for AP. | Mid-size companies that are looking to grow. | Micro, small businesses, and SMBs. |
| Financial Controls | Basic approval workflows and audit logs. | Enterprise-grade with role permissions, compliance, and thorough audit logs. | Focuses on approval control and oversight. | Moderate controls with hyper focus on travel and expenses. | Highly customizable around spend workflows. | Minimal. |
| Best For | SMBs looking for basic AP automation tools. | Global, high-growth companies looking to expand with measured control. | Finance teams seeking stronger collaboration and visibility. | Companies with large travel and expense programs. | Mid-size companies looking to consolidate spend and AP. | Micro businesses, contractors, and global freelancers. |
1. Tipalti: Built for High-Growth AP Teams
Tipalti modernizes AP operations and is designed to scale as you scale. The end-to-end solution functions seamlessly in a unified cloud platform with AI Smart Scan invoice processing technology, auto-routing for approvals, built-in tax compliance, in-depth ERP integrations, and more. Tipalti is an industry-leading solution that delivers a white-label experience worldwide.
Top Features
- KPMG approved, built-in tax engine, and self-service partner onboarding
- Mass Payments effectiveness and fraudulent payment risk reduction
- End-to-end automation with mass payables, tax compliance, PO matching, and FX tools
Servicable Market
Tipalti is a great solution for any business looking to make the mass payments process faster, safer, and more efficient through automation. Whether your business is a startup or large enterprise, it’s a solution that fits all sizes and industries.
Strengths
- AI Smart Scan and auto-coding for faster invoice processing
- Global, performance-based platform for marketplaces, networks, and communities
- Reduces payment error rates by 66% using 26,000 AI-driven payment validation rules
Pricing
The AP Starter Plan for Tipalti is $99/month and includes features like AI Smart Scan invoice processing, a self-service supplier portal, W9/W8 collection and TIN validation, bill approval rules builder, domestic multi-entity infrastructure, card and expense tools, and integrations with leading ERPs.
There are also Premium and Elite pricing plans that offer advanced features with a custom quote, as well as three Mass Payments plans. Explore our full pricing details here.
Customer Rating
G2: 4.5/5
Capterra: 4.6/5
What Our Customers Say
66% fewer payment errors. 25% faster close. 80% less AP workload.
Tipalti vs. Bill.com: Side-by-Side Comparison
 |  | |
|---|---|---|
| *Limited functionality | ||
| Invoice Management | AI-based OCR, predictive GL coding and approval routing, advanced PO matching, best-in-class approval emails, e-invoicing support. | Header-level OCR, manual GL coding, approvers extra $ |
| PO Matching | Two and three-way with automated reconciliation. | Two and three-way PO match with third-party integration only. |
| Reconciliation and Reporting | Fully managed in-house API and file-based integrations with leading ERPs, instant reconciliation | QuickBooks and Xero focus. An enterprise plan is needed for NetSuite, Intacct, or MSFT Dynamics integration. File-based for other ERPs
|
| Tax and Regulatory Compliance | KPMG approved digital tax engine, TIN validations, prep reports, withholdings, and eFiling
| Manually collect W-9s and upload them for scan and capture of data. No W-8 support. No TIN validations |
| Global Remittance | Pay to 200+ countries and territories in 120+ currencies via 50+ methods. Globally licensed, Bluechip bank partners, fraud protection. | Domestic focus. Mostly wire for international, limited local transfer via Airwallex partnership. Slower payments.
|
| FX Solutions | Convert currencies, manage intercompany bank transfers, hedge FX risks. | FX rates shown but no ability to “lock in” rates. No intercompany FX transfers, no hedging, etc. All payments originate in USD. |
| Supplier Management | Self-service onboarding, payment validations, proactive status comms, supplier choice, and visibility. 26K+ rules validate payments, screen against OFAC/SDN lists | Supplier network and not a customer-owned supplier relationship experience.
|
| Touchless Invoice Processing | AI-based Smart Scan and auto-routing. | Header-level OCR. No PO matching or ML.
|
| Bill Approval | Via email with no login or fee, with role-based workflows. | Requires login and additional $45/month per approver. No emails.
|
| Pay Fee Splitting | Split fees between payer and payee.
| Not supported. The payer must pay all fees. |
| Multi-Entity Support | Manages payables for multiple subsidiaries with shared or separate workflows and automatic currency/entity mapping. | View approval tasks across entities in a single screen. No onboarding, tax, branding, comms, currency accounts, etc. per entity. |
| Scalability | Works for high-volume, global companies managing a multitude of payments each month. | Works for small businesses where scaling requires workarounds or switching platforms. |
| ERP Integrations | NetSuite, Intacct, Sage, QuickBooks, MS Dynamics, and 50+ ERPs, with instant reconciliation. | Integrates with QuickBooks and Xero, but an enterprise plan is required for NetSuite or Dynamics. Sync via CSV/file for most ERPs. |
Experience the Full Power of End-to-End AP Automation with Tipalti
How Other BILL Competitors Stack Up
2. Stampli
Founded in 2015, Stampli is an AP automation solution designed to streamline approvals and improve invoice collaboration. The brand serves over 1,700 businesses across $100B+ yearly invoices and is a leader in the G2 Grid for AP Automation software.
Top Features
- Invoice collaboration tools with role-based workflows and UI collaboration
- “Billy the Bot” AI assistant for coding, approvals, audit trials, and communication
- Integrations with popular ERPs like QuickBooks and NetSuite
Servicable Market
Mid-sized companies looking to improve invoice collaboration without replacing legacy workflows.
Strengths
- Robust invoice approvals with a focus on transparency
- Works well with existing ERPs (like NetSuite, Sage Intacct, and QuickBooks)
- AI-powered invoice management to streamline invoice coding
Pricing
All Stampli pricing is quote-based, and you will need to contact sales.
Customer Rating
G2: 4.6/5
Capterra: 4.8/5
3. Concur
Acquired by SAP in 2014, Concur is a global leader in integrated travel and expense management, focusing on AP. The Washington-based brand serves over 48,000 customers worldwide across 150+ countries and regions.
Top Features
- Travel and expense management with mobile receipt capture
- Mileage tracking and compliance enforcement
- Focus on the SAP ecosystem and ERP integrations
Servicable Market
SMBs and enterprises with complex travel and expense needs that have limited AP functionality.
Strengths
- Advanced travel and expense tools with remote capabilities
- Multi-currency support and tax/VAT compliance
- Rich data synchronization for reporting and analytics
Pricing
Pricing is a custom quote based on modules and business needs.
Customer Rating
G2: 4.0/5
Capterra: 4.3/5
4. Airbase
The San Francisco-based business was launched in 2017 and offers a unified spend management system that effortlessly combines your AP with expense management and corporate cards. The brand serves thousands of customers across 100+ countries.
Top Features
- Unified spend management with customizable workflows
- AP tools with real-time reporting, approval, and multi-entity support
- Global payments to 200+ countries in 145 currencies
Servicable Market
Mid-market organizations that want to consolidate AP, expense, and cards.
Strengths
- Strong controls over non-payroll spend
- Modern UI with real-time visibility
- Native integrations with QuickBooks, NetSuite, and Xero
Pricing
Standard, Premium, and Enterprise plans are all quote-based.
Customer Rating
G2: 4.7/5
Capterra: 4.8/5
5. Melio
Founded in 2018, Melio is an NYC-based user-friendly AP platform that’s free to use. The brand targets smaller businesses and freelancers and is designed to easily manage payments via ACH, card, and checks. The company recently raised $150 million to expand its B2B payments.
Top Features
- Simple UI with advanced invoice scheduling
- Collects W-9s and integrates with Tax1099 for e-filing
- Pays to 80+ countries in 16 different currencies
Servicable Market
Small companies, freelancers, microbusinesses, and contractors.
Strengths
- Ease of use with a short learning curve
- No subscription required, and it offers a free plan
- Same-day transfers and fast processing
Pricing
The “Go” plan is free, the “Core” plan is $25/month, the “Boost” plan is $55/month, the “Unlimited” plan is $80/month, and the “Platinum” plan is quote-based. There is also a 90% discount for the first three months.
Customer Rating
G2: 4.5/5
Capterra: 4.2/5
Why Tipalti Is the #1 Alternative
Advanced Global AP Automation
Not only is the system available in several languages, but you can also make payments to 196 countries in 120 currencies, using 50+ payment methods.
Manage Multiple Business Entities with Ease
A business can easily manage thousands of transactions across multiple entities and borders in over 200 countries.
End-to-End AP Automation
Tipalti’s AI Smart Scan and auto-routing tools ensure the system captures every header and line-level detail of an invoice, with two and three-way PO matching for end-to-end automation. Suppliers, invoices, and payments workflows are all managed from one place.
Full Spend Visibility
Process at sub-ledger and entity-level with deep ERP integrations, reducing manual costs and helping teams close the books 25%+ faster.
Built-in Financial, Regulatory, and Data Security Controls
Tipalti is a KPMG-certified tax engine with tools for W8/W9 collection, OFAC screening, and 3,000+ payment validation rules.
Extend your AP solution to Procurement and Expense Management
The system offers advanced tools to complete your procure-to-pay lifecycle, from PO creation and mobile expense reports to guided buying and reconciliation.
Trusted by Finance Leaders. Backed by Industry Awards.
This year, IDC has recognized Tipalti as a leader in mid-market AP automation. Industry analysts applaud the intuitive interface, global breadth, and measurable efficiency.
Backed by thousands of genuine user reviews, the Tipalti brand earns top honors across AP automation, cross-border payments, and financial operations—underscoring its trusted reputation with high-growth and global organizations.
Final Thoughts: Why Growing Companies Choose Tipalti Over BILL
As a business scales, its accounts payable will quickly outgrow entry-level tools. While BILL may work great for now, it could lead to bottlenecks in the future. Tipalti is a purpose-built platform that supports modern AP departments that manage global operations.
| Capabilities | Tipalti Value |
|---|---|
| Global AP Automation | Pays to 200+ countries and territories, in 120 currencies, using 50+ methods. |
| Multi-Entity | Offers total transparency and visibility with a complete separation of workflows. |
| Tax Compliance | Global tax compliance with 62-country validation capabilities and over 3,000 rules. |
| ERP Integration | In-depth ERP integrations with leading platforms such as NetSuite, Intacct, SAP, and more than 50 other ERP and accounting systems. |
| Controls and Security | High-level security features with SOC 2, OFAC, AML, and detailed audit trails. |
| PO Matching | Advanced purchase order matching using AI tools like Smart Scan and auto-routing. |
As your business grows, entry-level AP tools like BILL can limit your efficiency, scalability, and global capabilities.
Evaluating top BILL competitors like Tipalti, Stampli, Concur, Airbase, and Melio can help you find a solution that better aligns with operational complexity and financial goals.
For organizations serious about scaling smarter, Tipalti stands out as the most complete, enterprise-ready alternative.
Ready to Switch from BILL? Scale Smarter with Tipalti
See how Tipalti helps finance leaders eliminate manual payables, increase global reach, and confidently scale.
AP Automation 
Mass Payments 
United States, Global 
Music royalties
100 – 1000
Procurement 
AdTech
Software and technology
Business services
Marketplaces
