BILL vs Harvest

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

Compare	BILLBILL Holdings	HarvestHarvest
In one line	Accounts payable and receivable with approval workflows	Time tracking that turns hours into invoices
Starting price	From $49/person	From $9/person
Six-person team	$294/mo	$54/mo
On $10,000 of card sales	$339/mo	Your own card processor
Plans	Essentials $49/user/mo; Team $65/user/mo; Corporate $89/user/mo; customer card payments 2.9%; ACH payments $0.59 each	Free (1 seat, 2 projects); Teams from $9/seat/mo billed yearly ($11 monthly); Enterprise from $14/seat/mo yearly ($17.50 monthly); extra invoices, projects, clients billed by usage (rates not published); 30-day trial
Pricing model	Free trial	Free tier
Free trial	—	30 days
Users	Per user	1 on free
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 · 11–50 people
Available in	US	US · UK · CA · AU
Phone support	Every plan; Enterprise only	Teams and up
Live chat	Every plan	None listed
Support hours	Live chat: Monday–Friday: 5 am to 6 pm PT; Saturday–Sunday: 6 am to 3 pm PT	Not published
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	0 incidents posted on Harvest's status page, which covers all Harvest products and regions, in the 90 days to Oct 27, 2026. Status page
Capterra score	4.1 / 5 from 563 reviews	4.5 / 5 from 655 reviews
Trustpilot score	1.6 / 5 from 1,677 reviews	1.6 / 5 from 24 reviews
Fit: Retail shop	50	20
Fit: Restaurant or café	45	10
Fit: Service business	75	82
Fit: Agency or studio	80	92
Fit: Trades or contractor	65	55
Fit: Online store	60	20
Why people pick it	Approval workflows Accountant network	Time to invoice in a few clicks Free for one person
Where it falls short	Per-user pricing adds up Setup takes time	Usage fees not published Built for hourly billing only
	Visit BILL ↗	Visit Harvest ↗

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