PayvyConsider BILL when you need payments and accounting sync in an operational AP product today.
A complete bill-to-payment service
Payvy vs BILL.
BILL (formerly Bill.com) combines invoice processing, approvals and payment execution. The important comparison is the full operating workflow, not just the price of a seat.
Payvy gives developers control of the workflow code and infrastructure without a seat license. BILL already covers several essential steps that Payvy has not shipped.
Match your actual ERP, approval roles and payment mix to a plan. A lower seat price is not a quote for your entire AP operation.
EIGHT AREAS THAT CHANGE THE DECISION
Feature by feature.
Vendor capabilities are documented offerings, subject to the caveats below. Payvy statuses describe the current rebuild, not the older product.
| Feature | BILL | Payvy Early build |
|---|---|---|
| Invoice capture | Captures invoice information for review, stores documents and flags potential duplicates. This is invoice processing as well as a place to keep PDFs. | In the source Document inbox, email intake and model extraction are implemented. Originals live in configured S3-compatible storage. Extraction checks amounts, matches vendors and produces drafts; quality depends on the model and document. |
| Approvals & controls | Routes bills through individual or group approvers, with amount-based policies and reminders. Policy changes generally apply to future bills. Dual control is listed on Enterprise. | In the core Vendor workflows support named approvers, amount thresholds, timed holds and external signals. Bills retain their workflow version. Person keys approve and release; changes produce audit events. |
| Payment execution | Executes payments using ACH, cards, checks and international wires. Payment-method charges and delivery options are separate from the software subscription. | Mercury in the source The reviewed build implements Mercury payments, person-authorized release, request or direct mode, status polling and handling of failures and returns. Other banks and international currencies are planned. Source implementation is not hosted launch availability. |
| Accounting & ERP sync | QuickBooks and Xero automatic sync starts at Team; Essentials uses manual import/export. NetSuite, Sage Intacct and other listed enterprise ERP connectors require Enterprise. | Planned VisiBooks, QuickBooks Online and Xero sync are planned, alongside ERP connections for NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central and Acumatica. No accounting or ERP connector is implemented in the reviewed rebuild. |
| Purchasing & PO matching | Purchase requests, POs and two-way matching are included on Corporate and Enterprise, or sold as an add-on below them. Three-way matching depends on the accounting integration. | Planned PO matching is planned. Purchase requests, receiving and a procurement suite are not available in the current build. |
| Suppliers & tax workflows | The supplier network supports purchase-order delivery and payment-status tracking. Vendor records can also be managed through the API. | Core + gaps Vendor records and vendor-specific workflows are implemented. A supplier onboarding portal, tax validation and 1099 filing are not available. |
| APIs & agent access | BILL offers APIs for vendors, payments, invoices and other financial data. Its current pricing grid lists API access on every AP plan; it is not accurately described as Enterprise-only. | In the core REST and MCP expose the same command registry. Agent keys can prepare bills and propose workflows; person-only actions are excluded. Release uses preview and single-use confirmation. |
| Hosting & operations | BILL runs the hosted application and payment service. You configure its roles, policies and integrations rather than operating the application source yourself. | Self-hosted AGPL-3.0-only source with no per-seat license charge; self-hosters operate their own infrastructure. Planned hosted pricing is $39/company/month with your own agent or AI provider keys, or $99/company/month with a Payvy-managed agent. Both include unlimited users and agent connections. Provider usage is separate on the $39 plan; included AI limits on the $99 plan will be defined before launch. |
Payvy source reviewed November 10, 2026. This column is based on the project status, command registry, payment implementation, extraction implementation and email intake documentation at revision 9829c85. An implemented API is not a production-ready end-user app.
THE PRICING MODEL
$49–$89 per user/month; Enterprise quoted
Essentials is $49, Team $65 and Corporate $89 per user per month. Payment charges are additional. Corporate and Enterprise offer approver-only roles; the homepage calculator uses full-price seats.
PAYVY
$0 self-hosted license.
Self-hosters cover infrastructure, maintenance, storage, AI services and bank charges.
Planned hosted pricing is $39/company/month with your own agent or AI provider keys, or $99/company/month with a Payvy-managed agent. Both include unlimited users and agent connections. Provider usage is separate on the $39 plan; included AI limits on the $99 plan will be defined before launch.
Explore the hosted plans →Hosted Payvy is in development. Availability has not been announced.
Try the BILL seat-cost calculator →BEFORE YOU CHOOSE
Bring a real workflow
to the demo.
These are our suggested evaluation questions, not claims that BILL fails them.
- Which people need full access, and which qualify for approver-only pricing?
- Does the selected plan sync your exact accounting edition, including credits and payment status?
- Which payment fees, procurement add-ons and matching rules apply to your workflow?
Sources and scope
Reviewed November 9, 2026. We used official vendor documentation and pricing, not hands-on product testing. Buyer-fit notes are the Payvy team’s interpretation. Prices are in USD where published; fees, discounts, regions, modules and contracts can change the total.
“Not verified” means the reviewed sources do not establish a capability or entitlement. It does not mean the vendor lacks it. Confirm your requirements directly before choosing a system.