# Bill.com vs Payhawk

**Leader by vioscaleAI score:** Bill.com

| Attribute | Bill.com | Payhawk |
|---|---|---|
| **vioscaleAI score** | 65.8 (55% (medium)) | 51.8 (74% (medium)) |
| content.faq | `[{"answer":"BILL is a financial operations platform that automates accounts payable, accounts receivable, and expense management across organizations. It integrates with accounting software and provides real-time visibility into cash flow and spending through centralized approval workflows and spend controls. It is indexed under Expense & Procurement Software.","source":"https://www.bill.com","question":"What is Bill.com?","confidence":0.6},{"answer":"Bill.com offers a free tier, so you can start without paying. Pricing changes often, so verify at source before relying on it.","source":"https://www.bill.com/blog/how-penetration-pricing-works","question":"Is Bill.com free?","confidence":0.6},{"answer":"Bill.com supports the web, iOS and Android. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://www.bill.com","question":"What platforms does Bill.com support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Bill.com, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.bill.com/blog/how-penetration-pricing-works","question":"Can Bill.com be self-hosted?","confidence":0.6},{"answer":"We have confirmed 23 integrations for Bill.com, including Oracle NetSuite, Google, Microsoft Azure, Okta, Auth0, Centrify, Apple Pay and Chase, plus 15 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.bill.com","question":"What does Bill.com integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 for Bill.com. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Bill.com not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.bill.com/security","question":"What security certifications does Bill.com have?","confidence":0.7},{"answer":"Bill.com is available worldwide. Its primary market is the United States. The vendor is headquartered in the United States.","source":"https://www.bill.com/blog/how-penetration-pricing-works","question":"Where is Bill.com available?","confidence":0.75}]` | `[{"answer":"A comprehensive financial management system that handles employee expense submission, corporate card issuance, accounts payable automation with invoice capture and routing, procure-to-pay workflows, travel booking, budgeting, and multi-entity operations. It is indexed under Expense & Procurement Software.","source":"https://payhawk.com/blog/business-pricing-models","question":"What is Payhawk?","confidence":0.6},{"answer":"We have confirmed browser-based access to Payhawk. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://payhawk.com/blog/business-pricing-models","question":"What platforms does Payhawk support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Payhawk, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://payhawk.com/blog/business-pricing-models","question":"Can Payhawk be self-hosted?","confidence":0.6},{"answer":"We have confirmed 7 integrations for Payhawk, including Egencia, NetSuite, Slack, Microsoft Teams, Google, Peppol and SAP S/4HANA. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://payhawk.com/blog/business-pricing-models","question":"What does Payhawk integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for Payhawk. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Payhawk not holding them. Always confirm compliance directly before you rely on it.","source":"https://payhawk.com/trust","question":"What security certifications does Payhawk have?","confidence":0.7},{"answer":"Payhawk is available worldwide. Its primary markets are the United States and the EU. The vendor is headquartered in Bulgaria.","source":"https://payhawk.com/blog/business-pricing-models","question":"Where is Payhawk available?","confidence":0.75}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | BILL is a financial operations platform that automates accounts payable, accounts receivable, and expense management across organizations. It integrates with accounting software and provides real-time visibility into cash flow and spending through centralized approval workflows and spend controls. | A spend management platform that automates expense capture, invoice processing, travel booking, and payment workflows while providing real-time visibility through integrations with accounting and ERP systems across multiple entities and currencies. |
| features.capabilities | `{"sso_scim":true,"api_access":"full","ocr_capture":true,"procurement":"none","multi_entity":true,"ap_automation":true,"funding_model":"hybrid","pricing_model":"flat_subscription","spend_controls":true,"travel_booking":"integration","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":true,"po_2_way_3_way_matching":true,"quickbooks_xero_smb_sync":true,"vendor_self_service_portal":true,"domestic_ach_check_printing":true,"multi_level_approval_workflows":true,"netsuite_sage_intacct_erp_sync":true,"global_cross_border_wire_payments":true,"ocr_invoice_capture_machine_learning":true}` | `{"sso_scim":true,"api_access":"full","ocr_capture":true,"procurement":"full_p2p","multi_entity":true,"ap_automation":true,"funding_model":"saas_fee","spend_controls":true,"travel_booking":"native","accounting_sync":"one_way","corporate_cards":"both","expense_reporting":true,"international_payments":true}` |
| integrations.count | 5 | 34 |
| integrations.list | `[{"name":"Oracle NetSuite"},{"name":"Google"},{"name":"Microsoft Azure"},{"name":"Okta"},{"name":"Auth0"},{"name":"Centrify"},{"name":"Google Pay"},{"name":"Apple Pay"},{"name":"Chase"},{"name":"Box"},{"name":"QuickBooks Online"},{"name":"QuickBooks Enterprise"},{"name":"QuickBooks Desktop"},{"name":"Sage Intacct"},{"name":"Xero"},{"name":"Microsoft Dynamics"},{"name":"Microsoft Dynamics 365"},{"name":"SAP"},{"name":"Acumatica"},{"name":"Workday"},{"name":"Oracle Fusion Cloud"},{"name":"Slack"},{"name":"Priceline"},{"name":"HRIS platforms"},{"name":"QuickBooks","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Netsuite","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Intacct","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Visa","native":true,"category":"payments"}]` | `[{"name":"Egencia"},{"name":"NetSuite"},{"name":"Slack"},{"name":"Microsoft Teams"},{"name":"Google"},{"name":"Peppol"},{"name":"SAP S/4HANA","native":true,"category":"accounting"},{"name":"Dynamics 365","native":true,"category":"erp","direction":"bidirectional"},{"name":"Xero","native":true,"category":"accounting","direction":"bidirectional"},{"name":"QuickBooks Online","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Exact Online","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Rillet","native":true,"category":"erp","direction":"bidirectional"},{"name":"Campfire","native":true,"category":"erp","direction":"bidirectional"},{"name":"Okta","native":true,"category":"sso","direction":"inbound"},{"name":"Microsoft Entra","native":true,"category":"sso","direction":"inbound"},{"name":"Google Workspace","native":true,"category":"sso","direction":"inbound"},{"name":"TravelPerk","native":true,"category":"travel"},{"name":"Deel","native":true,"category":"hr"},{"name":"Paycor","native":true,"category":"hr"},{"name":"Claude","native":true,"category":"ai","direction":"bidirectional"},{"name":"ChatGPT","native":true,"category":"ai","direction":"bidirectional"},{"name":"Odoo","native":true,"category":"erp"},{"name":"DualEntry","native":true,"category":"erp"}]` |
| market.availability | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":["US","CA","GB","EU"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"hybrid","plans":[{"free":false,"name":"Essentials","description":"Per-user monthly plan for foundational accounts payable and receivable automation","contactSales":false},{"free":false,"name":"Team","description":"Per-user monthly plan with enhanced AP and AR features and multi-location support","contactSales":false},{"free":false,"name":"Corporate","description":"Per-user monthly plan with full features and tiered user roles including lower-cost approver access","contactSales":false},{"free":false,"name":"Enterprise","description":"Custom pricing solution for large or complex multi-entity organizations","contactSales":true},{"free":true,"name":"Spend & Expense","summary":"$0 per user per month","features":["Corporate cards (BILL Divvy Card)","Budget controls","Expense tracking","Credit line access ($1,000–$5M)"],"components":[{"kind":"fixed","amount":0,"period":"month","currency":"USD"}],"description":"Free software tier providing corporate card management, budget controls, and expense tracking with no per-user subscription cost","contactSales":false},{"free":false,"name":"Accountant Console","summary":"$49 per month","features":["Multi-client management","Reselling capabilities","NASBA-certified CPE training"],"components":[{"kind":"fixed","amount":49,"period":"month","currency":"USD"}],"description":"Platform for accounting firms to manage multiple client entities, resell AP/AR services, and earn continuing education credits","contactSales":false}],"summary":"Per-user monthly subscription for AP/AR (Essentials, Team, Corporate, Enterprise). Free Spend & Expense tier included. Additional per-transaction fees for checks, ACH, instant transfers, and international wire payments.","currency":"USD","freeTier":true,"sourceUrl":"https://www.bill.com/product/pricing","retrievedAt":"2026-10-07T15:29:08.136Z","startingPrice":{"amount":49,"period":"month","currency":"USD"},"billingPeriods":["month"]}` | `{"type":"quote","plans":[{"free":false,"name":"Growth","summary":"£149/mo","features":["AI-native expense platform","Automated data extraction","Basic ERP integrations","Expense capture and coding","Real-time reconciliation"],"commitment":"monthly","components":[{"kind":"fixed","amount":149,"period":"month","currency":"GBP"}],"description":"Fixed-price starter plan for small businesses","contactSales":false,"includedLimits":{"entities":"1","invoices":"15/mo","reimbursements":"15/mo"}}],"summary":"From £149/mo (Growth); custom quotes for modular enterprise plans","freeTier":false,"sourceUrl":"https://payhawk.com/pricing-and-plans","retrievedAt":"2026-09-22T14:40:58.134Z","freeTrialDays":7,"startingPrice":{"amount":149,"period":"month","currency":"GBP"},"billingPeriods":["month"]}` |
| pricing.free_tier | yes | no |
| pricing.model | freemium | quote |
| pricing.price_level | mid | high |
| pricing.starting_price | `{"amount":49,"currency":"USD"}` | `{"amount":149,"currency":"GBP"}` |
| pricing.transparent | yes | no |
| reliability.status_page | - | yes |
| security.certifications | - | `[{"name":"SOC 2 Type 2","level":"Type 2","status":"active"},{"name":"ISO 27001","status":"active"},{"name":"PCI DSS Level 1","level":"Level 1","status":"active"},{"name":"SOC 1 Type 2","level":"Type 2","status":"active"},{"name":"DORA","status":"active"},{"name":"CSA STAR Level 1","level":"Level 1","status":"active"},{"name":"IDW PS 880","status":"active"}]` |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.pci | yes | yes |
| security.soc2 | yes | yes |
| security.trust_center | - | https://payhawk.com/trust |

## Capabilities (Expense & Procurement Software)

| Capability | Bill.com | Payhawk |
|---|:--:|:--:|
| **Core** |  |  |
| Expense reporting | ✓ | ✓ |
| **Cards** |  |  |
| Corporate cards | Both | Both |
| Real-time spend controls | ✓ | ✓ |
| **Payables** |  |  |
| AP automation (bill capture + pay) | ✓ | ✓ |
| Receipt / invoice OCR | ✓ | ✓ |
| International payments (ACH/wire/FX) | ✓ | ✓ |
| **Procurement** |  |  |
| Procurement | None | Full P2P |
| **Travel** |  |  |
| Travel booking | Integration | Native |
| **Integration** |  |  |
| Accounting sync | Two-way | One-way |
| SSO / SCIM | ✓ | ✓ |
| **Commercial** |  |  |
| Funding model | Hybrid | SaaS fee |
| Multi-entity / multi-currency | ✓ | ✓ |
| **Platform** |  |  |
| API access | Full | Full |

*Source: vioscaleAI. Generated 2026-10-27T00:10:44.720Z. "-" = undocumented, not absent.*