Invoice Ninja vs BILL

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

Short version

Invoice Ninja costs less for a six-person team.
BILL fits retail shop, restaurant or café, online store.
Invoice Ninja fits service business.
BILL suits teams past ten people.

Compare	Invoice NinjaInvoice Ninja	BILLBILL Holdings
In one line	Open-source invoicing with a free tier and self-hosting	Accounts payable and receivable with approval workflows
Starting price	Free	From $49/person
Six-person team	$0/mo	$294/mo
On $10,000 of card sales	Your own card processor	$339/mo
Plans	Free up to 5 clients; Ninja Pro $14/mo ($140/yr); Enterprise from $18/mo for 1-2 users	Essentials $49/user/mo; Team $65/user/mo; Corporate $89/user/mo; customer card payments 2.9%; ACH payments $0.59 each
Pricing model	Free tier	Free trial
Free trial	—	—
Users	1 on free	Per user
Both connect to	QuickBooks Online
Also connects to	No others on record	Xero, Puzzle, Kick35+ listed by the vendor
Team size	Just me · 2–10 people	11–50 people · 51–200 people
Available in	US · UK · CA · AU	US
Phone support	None listed	Every plan; Enterprise only
Live chat	None listed	Every plan
Support hours	Not published	Live chat: Monday–Friday: 5 am to 6 pm PT; Saturday–Sunday: 6 am to 3 pm PT
Incidents posted	Invoice Ninja has a public status page. Status page	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
Capterra score	4.7 / 5 from 167 reviews	4.1 / 5 from 563 reviews
Trustpilot score	2.8 / 5 from 6 reviews (few reviews)	1.6 / 5 from 1,677 reviews
Fit: Retail shop	30	50
Fit: Restaurant or café	20	45
Fit: Service business	85	75
Fit: Agency or studio	85	80
Fit: Trades or contractor	70	65
Fit: Online store	45	60
Why people pick it	Open source and self-hostable Cheap paid tiers	Approval workflows Accountant network
Where it falls short	Dated interface Fewer native integrations	Per-user pricing adds up Setup takes time
	Visit Invoice Ninja	Visit BILL

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

Invoice Ninja vs BILL

Short version

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