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Bill.com Alternative

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Looking at a Bill.com alternative?

Weighing up BILL? See another option.

People who search for a Bill.com alternative usually want to know what a payment costs, how they can pay, and whether it works with their books. Here are those answers, side by side. A 2.9% credit card fee applies.

  • Fees, card payments, and payment methods first
  • Accounting sync and approvals next
  • Plain facts, no hype
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AICPA SOC 1AICPA SOC 2PCI DSS CertifiedISO 27001 CertifiedISO 9001 CertifiedISO 20000 CertifiedNIST SP 800-53A Revision 5HIPAA CompliantCCPAGDPR

The questions people ask, answered side by side.

ZIL MONEY on the left. BILL, as described on its own public pages, on the right.

Your question ZIL MONEY BILL
How are payments charged? A 2.9% fee applies to credit card payments. For other fees, ask our team or book a demo. BILL’s pricing page lists plans at $49, $65, and $89 per user per month, plus Enterprise at custom pricing. Payment fees are listed separately, for example $0.59 for ACH.
Can I pay by credit card? Yes. On Send Payment, choose Credit Card under Pay from. A 2.9% credit card fee applies. BILL lists a 2.9% fee for paying by credit or debit card.
Which ways can I pay a vendor? ACH, Same Day ACH, wire, or virtual card on one screen. Or let the vendor decide. BILL says you can pay by ACH, virtual card, international wire, or a mailed paper payment.
Can I pay people abroad? ZIL MONEY offers international payments. Ask our team which countries and currencies are covered. BILL says it supports payments to more than 130 countries, in local currency or USD. It lists $19.99 for an international USD wire.
Does it work with my accounting tools? Syncs with QuickBooks, Xero, Zoho, and other accounting tools. BILL lists QuickBooks and Xero on all plans: manual import and export on Essentials, automatic two-way sync on Team and Corporate. Enterprise adds NetSuite, Sage Intacct, and others.
How do bills and approvals work? The Bills list shows each bill from unpaid to paid. Bill Inbox collects bills in one place. Ask our team about approval rules. BILL lists approval workflows on all plans and custom approval policies on Corporate and Enterprise. Vendors can email invoices to a dedicated address.
How do I get help? Talk to our team from the contact page, or book a demo. BILL lists live chat and phone support on its pricing page, and premium phone support for Enterprise.
What certifications are shown? Certifications are listed on our Certifications page, including SOC 2 and PCI DSS. Check with BILL.

Based on the provider’s public information as of October 2026. Check their site for current details. ZIL MONEY details come from our app and our site. Ask our team to confirm anything before you decide.

See ZIL MONEY in action.

Choose the payee. Choose the method. Confirm.

Fill in the payment

Pick who you are paying and enter the amount.

Choose the method

Same Day ACH, wire, virtual card, and more.

Track every payment

Payments Out lists what you sent and its status.

ACH paymentsSame Day ACH

Add the details

Put a memo and an invoice number on each payment.

MemoInvoice no.Category

Keep your books in sync

Works with QuickBooks, Xero, Zoho, and other accounting tools.

See all integrations

Works with the tools you already use.

Connect your accounting tools and more. See all integrations

QuickBooks OnlineQuickBooks DesktopXeroZoho BooksFreshBooksSage Business Cloud AccountingOracle NetSuiteMicrosoft Dynamics 365WaveBill.comOdooSalesforceHubSpotZapierSlack

Who each one fits.

Pick the one that matches how you work.

ZIL MONEY

Fits a small or mid-size business that wants to pay vendors, get paid, and pay payroll totals by credit card from one app.

Fits people who want to choose between ACH, Same Day ACH, wire, and virtual card for each payment.

BILL

Fits a team that wants approval workflows with rules and roles, as BILL describes them.

Fits a business that wants per-user plans with deeper accounting sync on higher plans.

Four steps to get going.

Fill in the form. Confirm. Follow it in your list.

1

Open your account

Sign up, or book a short demo first.

2

Add a payee

Enter who you pay.

3

Send a payment

Choose the method and confirm.

4

Connect your books

Sync with QuickBooks, Xero, or Zoho.

Common questions

What should I compare when I look for a Bill.com alternative?
Start with how payments are charged, which payment methods you get, how accounting sync works, and how approvals are handled. The table above covers each.
What is the credit card fee?
A 2.9% credit card fee applies when you pay with a credit card.
How does ZIL MONEY charge for payments?
Credit card payments carry a 2.9% fee. For other fees, ask our team or book a demo.
Does ZIL MONEY work with QuickBooks and Xero?
Yes. ZIL MONEY syncs with QuickBooks, Xero, Zoho, and other accounting tools.
What does BILL say about its pricing?
BILL’s pricing page lists per-user monthly plans and separate payment fees. See the table above, and see BILL’s site for current details.
Is ZIL MONEY affiliated with BILL?
No. ZIL MONEY is not affiliated with BILL. The BILL details on this page come from BILL’s public pages as of October 2026.
How do I try ZIL MONEY?
Open an account, or book a short demo and we will show you around.

Try ZIL MONEY next to your current setup.

Open an account, or book a short demo and we will show you around. A 2.9% credit card fee applies to credit card payments.

Get startedBook a demo

Have a question? Talk to our team