Top 10 Bill.com Alternatives for B2B Payments in 2025

Bill.com's declining customer satisfaction and lack of credit offerings leave businesses searching for modern payment solutions. This comprehensive guide explores the top alternatives that deliver instant credit approvals, better customer support, and advanced automation features that Bill.com simply doesn't provide.

Key Takeaways

• Resolve leads with AI-powered instant credit approvals up to $25,000 and non-recourse advances on invoices
• Bill.com maintains just 1.1 stars on Sitejabber with chronic support failures and payment delays
• Modern alternatives offer embedded finance, BNPL options, and real-time payments Bill.com lacks
• Virtual card rebates and transparent pricing models save businesses thousands versus Bill.com's per-user fees
• The $6.17 billion AP automation market demands credit solutions that legacy platforms can't deliver

1. Resolve - Best Overall Bill.com Alternative

Resolve stands as the superior Bill.com alternative, offering comprehensive net terms management with AI-powered instant credit decisions that Bill.com entirely lacks. Developed in Max Levchin's venture studio (co-founder of PayPal and Affirm) with $60 million in Series A funding, Resolve serves over 12,000 businesses with sophisticated embedded finance solutions.

Why Resolve Beats Bill.com

Unlike Bill.com's basic invoice processing, Resolve delivers instant credit approvals up to $25,000 using proprietary AI underwriting. The platform provides non-recourse advances of 50-100% on approved invoices within one day, fundamentally solving the cash flow challenges that plague B2B transactions. While Bill.com charges $45–$89 per user monthly plus transaction fees, Resolve operates on transparent pay-per-transaction pricing starting at 2.61% for 30-day net terms with no subscription fees.

Key Features

• Instant Credit Engine: AI-powered approvals in seconds for qualified buyers, with larger decisions within hours
• Non-Recourse Advances: Get 50-100% payment upfront on approved invoices - Resolve assumes all credit risk
• Embedded Commerce: Seamless checkout integrations with Shopify, WooCommerce, Magento, and BigCommerce
• White-Label Portal: Branded payment experience offering ACH, credit card, wire, and check options
• Automated Collections: Combined AI and human-powered outreach for payment reminders and follow-ups
• Real-Time Reconciliation: Two-way sync with QuickBooks Online and NetSuite

Pricing Advantage

Resolve's transaction-based model eliminates Bill.com's expensive per-user fees:

• 30-day terms: 2.61% per transaction
• 60-day terms: 3.91% per transaction
• 90-day terms: 5.21% per transaction
• No monthly fees, setup costs, or hidden charges
• Optional advance rates (50%, 75%, or 90%) to reduce costs further

Customer Success

TrueCable reports "response times under 24 hours on credit approvals" with customers "taken aback at how quick we respond." Marshall Wolf Automation streamlined operations and scaled B2B orders significantly after implementing Resolve's risk-free credit solutions.

Contact Resolve's specialists to discover how their platform can transform your B2B payments and eliminate the frustrations of Bill.com.

2. Versapay - Best for AR Automation

Versapay excels in accounts receivable automation, processing $170 billion annually across its 5 million company network. The platform's AI-powered cash application and collaborative AR features far exceed Bill.com's capabilities.

Key strengths:

• Native ERP integrations with NetSuite, Microsoft Dynamics, and Sage Intacct
• Level 3 B2B processing for lower transaction costs
• Collaborative customer portals for dispute resolution
• Pricing: $100-500/month with 0.20% + $0.15 transaction fees

3. Tipalti - Best for Global Payments

Tipalti dominates enterprise global payments, supporting 190+ countries and 130+ currencies with comprehensive tax compliance. Starting at $99/month with unlimited users (versus Bill.com's per-user pricing), Tipalti offers superior international capabilities.

Key strengths:

• W-8/W-9 tax management and compliance
• Advanced fraud detection and prevention
• Multi-entity and subsidiary support
• Mass payment capabilities for marketplaces

4. Slope - Best B2B Buy Now, Pay Later

Slope represents cutting-edge B2B BNPL technology with net terms as low as 1.60% for Net 30 and instant approvals in 10-30 seconds. Backed by $127 million including J.P. Morgan partnership funding.

Key strengths:

• Cash flow underwriting for instant decisions
• API-first integration for rapid deployment
• Same-day settlement for merchants
• Multi-currency support (USD/MXN expanding)

5. Stampli - Fastest Implementation

Stampli provides the industry's fastest AP automation implementation, averaging weeks versus months. Their AI assistant "Billy the Bot" automates invoice processing while preserving existing ERP workflows.

Key strengths:

• Pre-built ERP integrations without changing workflows
• Advanced OCR and machine learning
• Collaborative approval workflows
• Mobile app for on-the-go approvals

6. MineralTree - Best for Virtual Card Rebates

MineralTree (a Global Payments company) delivers value through virtual card rebate programs and offers volume-tiered, quote-based pricing with no per-user fees

Key strengths:

• Earn rebates on virtual card payments
• End-to-end AP automation
• Fraud protection and duplicate detection
• TotalAP visibility across all payment methods

7. Fundbox - Best for Working Capital

Fundbox fills the working capital gap with business lines of credit up to $250,000, offering 3-minute approvals using bank transaction data.

Key strengths:

• Draw funds as needed up to credit limit
• Weekly repayment options (12 or 24 weeks)
• No collateral required
• Builds business credit history

8. Coupa - Best for Enterprise Procurement

Coupa provides comprehensive spend management for large enterprises, combining procurement, invoicing, and expense management in one platform.

Key strengths:

• AI-powered spend analysis
• Supplier risk management
• Contract lifecycle management
• Community intelligence from millions of transactions

9. Airbase - Best All-in-One Spend Management

Airbase combines AP automation, expense management, and corporate cards in a unified platform designed for growing companies.

Key strengths:

• Real-time visibility across all spend
• Automated receipt matching
• Virtual and physical corporate cards
• Advanced approval workflows

10. Ramp - Best for Expense Management Integration

Ramp offers free AP automation combined with corporate cards and expense management, with built-in spend controls and automated savings recommendations.

Key strengths:

• No monthly fees or per-user costs
• 1.5% cashback on all purchases
• AI-powered receipt matching
• Automated vendor negotiations

Making the Right Choice

The B2B payments landscape has evolved beyond basic invoice processing. With 96% of manufacturers planning to replace checks with real-time payments and $3.1 trillion stuck in unpaid B2B invoices, businesses need solutions that address fundamental cash flow challenges.

Resolve uniquely combines instant credit underwriting, non-recourse advances, and embedded commerce capabilities that Bill.com simply can't match. While other alternatives excel in specific areas—Versapay for AR automation, Tipalti for global payments, or Slope for modern BNPL—only Resolve delivers comprehensive net terms management with complete risk assumption and immediate liquidity.

Key Decision Factors

When evaluating Bill.com alternatives, consider these critical factors that separate modern platforms from legacy systems:

Credit and Cash Flow Solutions: The AP automation market demands more than invoice processing. Leading platforms now offer embedded credit, instant underwriting, and advance payments that traditional AP tools lack. Resolve's AI-powered credit engine approves buyers instantly, while Bill.com offers zero credit capabilities.

True Cost of Ownership: Beyond subscription fees, calculate the total cost including transaction fees, implementation, training, and ongoing support. Bill.com's per-user model becomes expensive as teams grow, while transaction-based pricing aligns costs with revenue growth.

Integration Depth: Modern platforms should enhance, not replace, existing systems. Look for native two-way sync with your ERP, real-time reconciliation, and the ability to maintain current workflows. Resolve's seamless QuickBooks and NetSuite integrations preserve your processes while adding powerful capabilities.

Customer Experience Impact: Your payment platform directly affects customer relationships. White-label solutions, flexible payment options, and professional billing experiences can differentiate your business. With virtual cards growing at 21.5% CAGR, platforms must support diverse payment preferences.

The right choice depends on your specific needs, but the data is clear: businesses need more than Bill.com's basic functionality to compete in 2025's dynamic B2B marketplace.

FAQs

What makes Resolve better than Bill.com?

Resolve offers instant AI-powered credit approvals, non-recourse invoice advances up to 100%, and transparent transaction-based pricing versus Bill.com's per-user fees and lack of credit offerings. Resolve also provides responsive customer support that Bill.com users consistently report missing.

How quickly can I get paid with Resolve?

Resolve provides advance payment on approved invoices within one business day, with instant approvals up to $25,000 and larger credit decisions typically within hours. This compares to Bill.com's standard ACH processing of 1-3 business days with no advance payment options.

Does Resolve integrate with my existing accounting software?

Yes, Resolve offers seamless integrations with QuickBooks Online, NetSuite, and popular e-commerce platforms including Shopify, WooCommerce, Magento, and BigCommerce. The platform automatically syncs transactions for real-time reconciliation.

What industries does Resolve serve?

Resolve works predominantly with US-based manufacturers, wholesalers, and distributors across industries including industrial equipment, commercial electronics, sporting goods, automotive parts, and construction machinery. Visit the FAQ page for more details.

How does Resolve's pricing compare to factoring?

Unlike traditional factoring that charges 1-5% per month, Resolve's fees start at just 2.61% for 30-day terms with no hidden costs. Plus, Resolve is non-recourse, meaning you're never responsible if a customer doesn't pay.

Can I choose how much to advance on each invoice?

Yes, Resolve offers flexible advance rates of 50%, 75%, or 90% on approved invoices, allowing you to optimize costs based on your cash flow needs. You only pay fees on the advanced amount, not the full invoice value.

What if my customer doesn't pay?

With Resolve's non-recourse financing, you keep 100% of advances regardless of customer payment. Resolve assumes all credit risk and handles collections, protecting your business from bad debt that would devastate cash flow with Bill.com or factoring services.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.