BILL vs Joist

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

Short version

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

Compare	BILLBILL Holdings	JoistJoist
In one line	Accounts payable and receivable with approval workflows	Estimates and invoices from your phone, built for contractors
Starting price	From $49/person	From $8.34/mo
Six-person team	$294/mo	$8.34/mo
On $10,000 of card sales	$339/mo	$367/mo
Plans	Essentials $49/user/mo; Team $65/user/mo; Corporate $89/user/mo; customer card payments 2.9%; ACH payments $0.59 each	Billed yearly: Basics $8.34/mo (5 documents/mo); Pro $14.17 (unlimited); Elite $26.67; Run $58.33 introductory. Monthly $10/$17/$32. Cards 3.49% + 49¢, ACH 1% capped at $15
Pricing model	Free trial	Free trial
Free trial	—	14 days
Users	Per user	Solo and small crews
Both connect to	QuickBooks Online
Also connects to	Xero, 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 · CA
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	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	We found no public status page for Joist.
Capterra score	4.1 / 5 from 563 reviews	4.2 / 5 from 90 reviews
Trustpilot score	1.6 / 5 from 1,677 reviews	4.5 / 5 from 76 reviews
Fit: Retail shop	50	10
Fit: Restaurant or café	45	5
Fit: Service business	75	55
Fit: Agency or studio	80	10
Fit: Trades or contractor	65	95
Fit: Online store	60	5
Why people pick it	Approval workflows Accountant network	Estimate to invoice to payment from a phone Cheap entry plan
Where it falls short	Per-user pricing adds up Setup takes time	Basics caps you at 5 documents a month Card fees of 3.49% + 49¢
	Visit BILL	Visit Joist

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 Joist

Short version

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