BILL vs Bonsai

Two invoicing & payments tools side by side. Prices are the starting plan a small business would pick, in USD.

Short version

Bonsai costs less on $10,000 of monthly card sales.
BILL fits retail shop, restaurant or café, trades or contractor, online store.
Bonsai fits service business.
BILL suits teams past ten people.

Compare	BILLBILL Holdings	BonsaiBonsai
In one line	Accounts payable and receivable with approval workflows	Proposals, contracts, time tracking, and invoices for freelancers
Starting price	From $49/person	From $19/person
Six-person team	$294/mo	$114/mo
On $10,000 of card sales	$339/mo	$315/mo
Plans	Essentials $49/user/mo; Team $65/user/mo; Corporate $89/user/mo; customer card payments 2.9%; ACH payments $0.59 each	Basic $9/user/mo has no invoices or payments; Essentials $19/user/mo is the cheapest with invoicing; Premium $29; Elite $49 (3-user minimum), billed annually (monthly $15/$25/$39/$59); payments 2.9% + 30¢, 1% extra with Stripe or PayPal
Pricing model	Free trial	Free trial
Free trial	—	7 days
Users	Per user	Per user
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle, Kick35+ listed by the vendor	No others on record
Team size	11–50 people · 51–200 people	Just me · 2–10 people
Available in	US	US · UK · CA · AU
Phone support	Every plan; Enterprise only	None listed
Live chat	Every plan	Plans not stated
Support hours	Live chat: Monday–Friday: 5 am to 6 pm PT; Saturday–Sunday: 6 am to 3 pm PT	Email: 24/7
Incidents posted	0 incidents posted on BILL Holdings's status page, which covers all BILL Holdings products and regions, in the 90 days to Oct 27, 2026. Status page	Bonsai has a public status page. Status page
Capterra score	4.1 / 5 from 563 reviews	4.6 / 5 from 95 reviews
Trustpilot score	1.6 / 5 from 1,677 reviews	4.3 / 5 from 641 reviews
Fit: Retail shop	50	10
Fit: Restaurant or café	45	5
Fit: Service business	75	85
Fit: Agency or studio	80	88
Fit: Trades or contractor	65	45
Fit: Online store	60	10
Why people pick it	Approval workflows Accountant network	Contracts and time tracking included Cheap entry plan
Where it falls short	Per-user pricing adds up Setup takes time	Per-user pricing for teams Short 7-day trial
	Visit BILL	Visit Bonsai

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. Card sales costs include the plan price and card fees at US rates, at a $500 average sale. How we calculate prices

BILL vs Bonsai

Short version

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