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Side-by-side record

BILL vs. PayPal Payments Pro

A side-by-side view of the product records we have today. Use it to narrow the question, then confirm current pricing, limits, and security details with each vendor.

The short version

PayPal Payments Pro starts at $0 per seat, versus BILL at $49. PayPal Payments Pro carries the higher aggregate rating (9.5/5 vs 4.4/5).

Full comparison

BILLfrom $49 per user / month
PayPal Payments Profrom $0 per month
Audyense Score75ASStrong29AS*Low
PositioningAutomate accounts payable, receivable, and cash flowPayPal Payments Pro is a payment processing solution built on PayPal’s technology that enables online merchants and businesses to accept credit card payments online as well a
Free tierNoYes
DeploymentCloud / SaaSCloud / SaaS
Best fitSMB, Mid-market, EnterpriseStartup, SMB, Mid-market
Pricing plans
  • Essentials$49
  • Team$65
  • Corporate$89
  • EnterpriseCustom pricing
  • Free or entry planFree
  • Higher tiersCustom pricing
General ledger & accountingPartialNot a general ledger itself; syncs two ways with QuickBooks, NetSuite, Sage Intacct, Xero and other accounting/ERP systems.
Accounts payable & bill payYesCore product: invoice capture, approval workflows, and vendor payments.
AI featuresYesIntelligent AP/AR automation with AI-assisted invoice data capture to reduce manual entry.
Bank reconciliationPartialTracks and syncs payment status back to the connected accounting system; full reconciliation happens in the GL.
Corporate cardsPartialAvailable through the separate BILL Spend & Expense product, not the AP/AR product.
Expense managementPartialDelivered via the separate BILL Spend & Expense product rather than AP/AR.
Financial reportingPartialProvides AP/AR tracking and cash-flow visibility, not full financial statements.
Invoicing & billingYesAR module creates, sends, and tracks customer invoices with reminders and auto-charge.
Multi-currencyYesSupports international vendor payments in USD and local currencies.
Public APIYesDeveloper API platform; API access included on the Enterprise plan.
Accept PayPal paymentsYesDocumented in the independently researched profile.
Accept VisaYesDocumented in the independently researched profile.
Mastercard and American ExpressYesDocumented in the independently researched profile.
Virtual TerminalYesDocumented in the independently researched profile.
Accept payments in 25 currencies from 202 countriesYesDocumented in the independently researched profile.
Payment GatewayYesDocumented in the independently researched profile.
Options to simplify PCI compliance.YesDocumented in the independently researched profile.
Integrations verified30+
Aggregate rating4.4 · 1.8k reviews9.5 · No reviews yet
Integrations
QuickBooks OnlineQuickBooks Pro/PremierQuickBooks EnterpriseXeroOracle NetSuiteSage Intacct+10 more
Security & compliance
SOC 1SOC 2PCI DSSHIPAA
Pros
  • Automates and streamlines the accounts payable process, saving significant time
  • Intuitive, easy-to-learn interface with minimal training required
  • Flexible, customizable multi-level approval workflows with clear audit trails
  • Seamless payment processing and integration with QuickBooks and other accounting tools
  • Independent review documents a concrete business workflow
  • Documented capability: Accept PayPal payments
  • Documented capability: Accept Visa
  • Documented capability: Mastercard and American Express
  • Documented capability: Virtual Terminal
Cons
  • Customer support is often slow, hard to reach, and unhelpful
  • Accounting sync errors (QuickBooks, NetSuite, Sage Intacct) can be time-consuming to resolve
  • Per-user pricing becomes expensive for larger teams
  • Email notifications can be excessive and occasionally unreliable
  • Pricing and usage limits should be checked against the exact plan
  • Implementation effort depends on the team's data and process maturity
  • Reported outcomes should be validated with the buyer's own data
Visit BILL ↗Visit PayPal Payments Pro ↗

Editorial read of this comparison

The table summarizes structured facts; this section explains what the differences mean for a real buying decision.

Where each tool fits, and where it may not

BILL

BILL (formerly Bill.com) is a cloud-based financial operations platform that automates accounts payable and accounts receivable for small and midsize businesses and accounting firms. It digitizes bill capture, approval workflows, and vendor payments, and syncs two ways with accounting and ERP systems to reduce manual data entry.

A particularly good fit for: SMBs automating bill approvals and vendor payments Accounting firms managing AP/AR for multiple clients Teams standardizing multi-level approval workflows with audit trails

May be a poor fit if: Buyers wanting a single tool that also replaces their general ledger Cost-sensitive teams with many users, given per-seat pricing

PayPal Payments Pro

PayPal Payments Pro is a payment processing solution built on PayPal’s technology that enables online merchants and businesses to accept credit card payments online as well as process mobile and retail credit card. On top of that, users can create and host their own checkout pages for full control. With PayPal Payments Pro, users are charged with a flat rate of 2.90 percent along with a $0.30 per-transaction fee, which is beneficial for companies with large tickets. The flat fee remains the same whether the cards used are debit, credit, corporate or rewards. PayPal Payments Pro doesn’t require buyers to have a PayPal account to complete the purchase. Aside from accepting payments online, users of PayPal Payments Pro are able to process credit card payments via phone, fax, and mail (Virtual Terminal).

A particularly good fit for: B2B teams evaluating finance and accounting software Teams that need documented workflow capabilities and fit guidance Organizations willing to validate implementation and plan limits

May be a poor fit if: Teams seeking a workflow outside the product's documented focus Teams needing unlimited usage without plan limits

Pricing and plan structure

BILL: Published starting price $49 per user / month

  • Essentials$49 per user / month
  • Team$65 per user / month
  • Corporate$89 per user / month
  • EnterpriseCustom pricing

PayPal Payments Pro: Published starting price $0 per month

  • Free or entry planFree
  • Higher tiersCustom pricing

Capabilities worth validating

  • BILL: General ledger & accounting, Accounts payable & bill pay, AI features, Bank reconciliation, Corporate cards Integrations include QuickBooks Online, QuickBooks Pro/Premier, QuickBooks Enterprise, Xero.
  • PayPal Payments Pro: Accept PayPal payments, Accept Visa, Mastercard and American Express, Virtual Terminal, Accept payments in 25 currencies from 202 countries

Questions to answer before switching

  • Does BILL's selected plan include the features and limits we need?
  • Does PayPal Payments Pro's selected plan include the features and limits we need?
  • Does the exact integration path for QuickBooks Online, QuickBooks Pro/Premier, QuickBooks Enterprise support the sync direction, permissions, and volume we need?
  • Is a hosted-only deployment acceptable for the team and customers who will use this system?

How to evaluate this shortlist

A useful comparison turns the differences between Finance tools into a concrete test. Use these steps to avoid choosing from a feature table or the lowest headline price alone.

  1. Start with a representative Finance workflow, not a feature checklist. Define who will use it, what data goes in, and what outcome the team needs.
  2. Test the complete path through QuickBooks Online, QuickBooks Pro/Premier, QuickBooks Enterprise: permissions, sync direction, failure handling, and volume limits often matter more than the integration name.
  3. Compare the cost of the real scenario, including users, usage, storage, support, and contract requirements. The entry price alone does not measure adoption cost.
  4. Before switching, list the evidence gaps, request a demo of the critical workflow, and confirm security, data residency, export, and support with each vendor.

Structured signals help narrow the shortlist, but a trial with a real workflow is still the best way to validate the decision.

Research basis

Last checked: 2026-08-18. Pricing, integrations, feature support, and review signals can change, so treat this as a research snapshot and verify the final decision with the vendor.

Sources consulted: BILL product site, G2, Capterra; PayPal Payments Pro product site, FinancesOnline review, Vendor website