BILL vs PayPal Invoicing

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

Compare	BILLBILL Holdings	PayPal InvoicingPayPal
In one line	Accounts payable and receivable with approval workflows	Invoices clients can pay with PayPal, Venmo, or card
Starting price	From $49/person	Free
Six-person team	$294/mo	$0/mo
On $10,000 of card sales	$339/mo	$309/mo
Plans	Essentials $49/user/mo; Team $65/user/mo; Corporate $89/user/mo; customer card payments 2.9%; ACH payments $0.59 each	No monthly fee; PayPal or Venmo 3.49% + 49¢; cards 2.99% + 49¢; +1.5% international
Pricing model	Free trial	Free
Free trial	—	—
Users	Per user	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle, Kick35+ listed by the vendor	Zoho Books, Akaunting, ZipBooks
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	Plans not stated
Live chat	Every plan	Every plan
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	PayPal has a public status page. Status page
Capterra score	4.1 / 5 from 563 reviews	4.7 / 5 from 595 reviews
Trustpilot score	1.6 / 5 from 1,677 reviews	Not listed
Fit: Retail shop	50	35
Fit: Restaurant or café	45	20
Fit: Service business	75	80
Fit: Agency or studio	80	75
Fit: Trades or contractor	65	75
Fit: Online store	60	60
Why people pick it	Approval workflows Accountant network	Clients trust and already use PayPal No monthly fee
Where it falls short	Per-user pricing adds up Setup takes time	Higher fees than Stripe or Square Account holds are a known risk
	Visit BILL ↗	Visit PayPal Invoicing ↗

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