Quick Overview
- 1#1: Bill.com - Automates accounts payable and receivable with bill tracking, approvals, and payments for businesses.
- 2#2: QuickBooks Online - Cloud accounting software that tracks bills, expenses, vendor payments, and reconciliations seamlessly.
- 3#3: Xero - Cloud-based accounting platform for managing bills, purchases, and bank feeds with real-time tracking.
- 4#4: Melio - Simplifies business bill payments and tracking with free ACH, checks, and vendor management.
- 5#5: Plooto - Accounts payable automation tool for bill approvals, payments, and reconciliation in one platform.
- 6#6: AvidXchange - Enterprise AP automation software that digitizes bill capture, approval, and payment workflows.
- 7#7: Stampli - AI-powered AP platform for bill tracking, matching, approvals, and payments with touchless processing.
- 8#8: FreshBooks - Accounting software for small businesses that handles bill tracking, expenses, and time tracking.
- 9#9: Wave - Free online accounting tool with bill creation, tracking, and payment processing for small businesses.
- 10#10: Zoho Books - Online accounting solution with bill management, vendor portals, and automated payment reminders.
Tools were ranked based on a blend of feature depth (including automation, real-time tracking, and multi-payment options), user experience (intuitive design, accessibility), reliability (security, consistency), and overall value, ensuring suitability for everything from small businesses to enterprise needs.
Comparison Table
This comparison table evaluates top bill tracking tools like Bill.com, QuickBooks Online, Xero, Melio, and Plooto, offering readers a clear view of their features, pricing, and usability to find the right fit for their needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Bill.com Automates accounts payable and receivable with bill tracking, approvals, and payments for businesses. | enterprise | 9.4/10 | 9.7/10 | 9.2/10 | 8.8/10 |
| 2 | QuickBooks Online Cloud accounting software that tracks bills, expenses, vendor payments, and reconciliations seamlessly. | enterprise | 8.7/10 | 9.2/10 | 7.8/10 | 8.0/10 |
| 3 | Xero Cloud-based accounting platform for managing bills, purchases, and bank feeds with real-time tracking. | enterprise | 8.7/10 | 9.2/10 | 8.5/10 | 8.0/10 |
| 4 | Melio Simplifies business bill payments and tracking with free ACH, checks, and vendor management. | specialized | 8.7/10 | 8.9/10 | 9.2/10 | 9.4/10 |
| 5 | Plooto Accounts payable automation tool for bill approvals, payments, and reconciliation in one platform. | specialized | 8.2/10 | 8.5/10 | 8.0/10 | 7.8/10 |
| 6 | AvidXchange Enterprise AP automation software that digitizes bill capture, approval, and payment workflows. | enterprise | 8.2/10 | 9.1/10 | 7.6/10 | 7.9/10 |
| 7 | Stampli AI-powered AP platform for bill tracking, matching, approvals, and payments with touchless processing. | specialized | 8.4/10 | 9.1/10 | 8.3/10 | 7.8/10 |
| 8 | FreshBooks Accounting software for small businesses that handles bill tracking, expenses, and time tracking. | specialized | 7.6/10 | 7.2/10 | 9.1/10 | 7.5/10 |
| 9 | Wave Free online accounting tool with bill creation, tracking, and payment processing for small businesses. | other | 8.1/10 | 7.4/10 | 9.2/10 | 9.6/10 |
| 10 | Zoho Books Online accounting solution with bill management, vendor portals, and automated payment reminders. | specialized | 8.1/10 | 8.5/10 | 8.0/10 | 8.7/10 |
Automates accounts payable and receivable with bill tracking, approvals, and payments for businesses.
Cloud accounting software that tracks bills, expenses, vendor payments, and reconciliations seamlessly.
Cloud-based accounting platform for managing bills, purchases, and bank feeds with real-time tracking.
Simplifies business bill payments and tracking with free ACH, checks, and vendor management.
Accounts payable automation tool for bill approvals, payments, and reconciliation in one platform.
Enterprise AP automation software that digitizes bill capture, approval, and payment workflows.
AI-powered AP platform for bill tracking, matching, approvals, and payments with touchless processing.
Accounting software for small businesses that handles bill tracking, expenses, and time tracking.
Free online accounting tool with bill creation, tracking, and payment processing for small businesses.
Online accounting solution with bill management, vendor portals, and automated payment reminders.
Bill.com
enterpriseAutomates accounts payable and receivable with bill tracking, approvals, and payments for businesses.
Intelligent multi-level approval workflows that automatically route bills based on rules, amounts, and vendors for efficient tracking and oversight.
Bill.com is a leading cloud-based accounts payable (AP) automation platform that excels in bill tracking by allowing users to upload, approve, pay, and monitor bills in real-time. It streamlines workflows with automated approvals, payment scheduling via ACH, checks, or cards, and seamless integrations with accounting tools like QuickBooks, Xero, and NetSuite. The software provides detailed reporting, due date reminders, and audit trails to ensure complete visibility and control over financial obligations.
Pros
- Comprehensive automation for bill capture, approvals, and payments
- Seamless integrations with major accounting software
- Robust real-time tracking, reporting, and mobile accessibility
Cons
- Higher pricing tiers required for advanced features
- Initial setup and workflow customization can have a learning curve
- Limited free trial and no perpetual free plan
Best For
Mid-sized businesses and finance teams seeking end-to-end AP automation with strong bill tracking and compliance features.
Pricing
Starts at $39/user/month (Essentials), $55/user/month (Team), $79/user/month (Corporate), with custom Enterprise pricing; billed annually with discounts.
QuickBooks Online
enterpriseCloud accounting software that tracks bills, expenses, vendor payments, and reconciliations seamlessly.
Automated bill approval workflows with multi-user permissions and seamless bank payment integration
QuickBooks Online is a comprehensive cloud-based accounting software that excels in bill tracking by allowing users to enter vendor bills, track due dates, manage approvals, and schedule payments seamlessly. It provides detailed accounts payable reports, recurring bill setup, document attachments, and integration with bank accounts for automated reconciliation. As part of a full financial suite, it turns bill management into a streamlined process within broader bookkeeping tasks.
Pros
- Powerful bill management with approvals, recurring bills, and attachments
- Direct bill pay integration via ACH, checks, and bank sync
- Advanced reporting on payables aging and vendor performance
Cons
- Steep learning curve for users new to accounting software
- Higher pricing not ideal for bill tracking alone
- Overly complex interface for simple tracking needs
Best For
Small to medium-sized businesses requiring integrated bill tracking with full accounting and multi-user access.
Pricing
Starts at $30/month (Simple Start); bill tracking from $60/month (Essentials); Plus ($90/month) and higher for advanced features; bill pay add-on ~$15-45/month.
Xero
enterpriseCloud-based accounting platform for managing bills, purchases, and bank feeds with real-time tracking.
Multi-stage bill approval workflow with customizable rules and notifications
Xero is a cloud-based accounting software with robust bill tracking capabilities, enabling users to enter, approve, schedule payments, and reconcile bills directly within the platform. It supports features like repeat bills for recurring expenses, multi-currency handling, and integration with bank feeds for automatic matching. While primarily an all-in-one accounting solution, its bills hub streamlines accounts payable processes for small to medium businesses.
Pros
- Comprehensive bill approval workflows with multi-stage approvals
- Seamless bank reconciliation and automatic transaction matching
- Hubdoc integration for AI-powered bill capture and data entry
Cons
- Higher cost compared to dedicated bill tracking tools
- Overkill for users needing only basic bill management
- Some advanced features locked behind higher-tier plans
Best For
Small to medium-sized businesses seeking integrated accounting with advanced bill tracking and approval processes.
Pricing
Starts at $15/month (Early plan) for basic features, up to $78+/month (Established/Ultimate) for unlimited users and advanced tools; billed annually or monthly.
Melio
specializedSimplifies business bill payments and tracking with free ACH, checks, and vendor management.
Two-way sync with QuickBooks Online that automatically imports bills and updates payment statuses without manual entry.
Melio is a B2B payments platform designed for small businesses to manage accounts payable, allowing users to upload bills via photo, email, or integration, schedule payments through ACH, checks, or credit cards, and track everything in a centralized dashboard. It provides real-time payment status updates, approval workflows for teams, and seamless syncing with accounting tools like QuickBooks and Xero. While strong in payment execution and basic tracking, it focuses more on payables than comprehensive expense categorization or advanced analytics.
Pros
- Free ACH payments with no monthly fees
- Automatic bill import and two-way sync with QuickBooks/Xero
- Intuitive mobile app for on-the-go bill tracking and approvals
Cons
- Fees for check mailing ($1.50+) and credit card payments (2.9%)
- Limited advanced reporting and analytics for bill trends
- Primarily US-focused with fewer international options
Best For
Small businesses and freelancers needing simple, cost-effective bill payment tracking and vendor management integrated with their accounting software.
Pricing
Free core platform with ACH payments; $1.50 per check; 2.9% + $0.30 for credit cards; optional Pro plan at $20+/month for advanced workflows.
Plooto
specializedAccounts payable automation tool for bill approvals, payments, and reconciliation in one platform.
Email-to-bill capture that automatically imports, categorizes, and routes bills for approval without manual uploads
Plooto is a cloud-based accounts payable (AP) automation platform designed to streamline bill tracking, approvals, and payments for small to medium-sized businesses, particularly in Canada. It enables users to capture bills via email, mobile app, or upload, track due dates and statuses in real-time, and automate multi-level approval workflows. Integrated with accounting software like QuickBooks and Xero, Plooto ensures seamless reconciliation and reduces manual data entry errors.
Pros
- Robust automated approval workflows for efficient bill tracking
- Seamless integrations with QuickBooks, Xero, and Canadian banks
- Mobile bill capture and real-time payment tracking
Cons
- Primarily focused on Canadian users with limited international support
- Per-user pricing can add up for larger teams
- Advanced reporting features are basic compared to dedicated tools
Best For
Canadian small to medium-sized businesses needing automated AP bill tracking and payment processing.
Pricing
Starts at $29/user/month (Essentials, billed annually) up to $59/user/month (Enterprise); custom quotes for larger teams.
AvidXchange
enterpriseEnterprise AP automation software that digitizes bill capture, approval, and payment workflows.
Bill Pay Genius AI for automatic invoice coding and categorization
AvidXchange is a robust accounts payable (AP) automation platform focused on streamlining bill tracking, invoice management, and payment processing for mid-market businesses. It uses OCR technology for invoice capture, automates approval workflows, and tracks bill status in real-time while integrating with major accounting systems like QuickBooks, NetSuite, and Sage. The platform also offers flexible payment options including ACH, checks, and virtual cards to optimize cash flow and reduce manual errors.
Pros
- Extensive integrations with ERP and accounting software
- Advanced automation including AI-powered invoice coding
- Multiple secure payment methods with detailed tracking
Cons
- Complex setup and longer implementation time
- Pricing lacks transparency and is quote-based only
- Overkill for very small businesses with simple needs
Best For
Mid-sized businesses seeking comprehensive AP automation beyond basic bill tracking.
Pricing
Custom quote-based pricing, typically starting at $500/month for mid-market users based on transaction volume and features.
Stampli
specializedAI-powered AP platform for bill tracking, matching, approvals, and payments with touchless processing.
Invoice Action Center with built-in Slack-like messaging for real-time collaboration between teams and vendors directly on bills
Stampli is an AP automation platform specializing in bill tracking, invoice management, and payments for mid-market businesses. It automates invoice capture using AI-powered OCR, streamlines multi-level approval workflows, and enables 1-click payments to over 80% of US vendors without checks. The platform integrates deeply with accounting systems like NetSuite, QuickBooks, and Sage, reducing manual data entry and errors in the procure-to-pay process.
Pros
- AI-driven invoice data extraction and auto-matching to POs/receipts
- Customizable approval workflows with real-time visibility
- Seamless integrations with major ERPs and 1-click digital payments
Cons
- Pricing is quote-based and can be expensive for small businesses
- Initial setup requires configuration for complex workflows
- Limited standalone bill tracking without full AP automation commitment
Best For
Mid-sized companies with high invoice volumes seeking end-to-end AP automation including robust bill tracking and vendor payments.
Pricing
Custom quote-based pricing, typically starting at $5,000-$10,000 annually based on invoice volume and users; no public tiers.
FreshBooks
specializedAccounting software for small businesses that handles bill tracking, expenses, and time tracking.
AI-powered receipt matching and auto-categorization for effortless bill entry
FreshBooks is a cloud-based accounting platform primarily designed for small businesses and freelancers, offering bill tracking through its expense management tools. Users can manually enter bills, scan receipts via mobile app, categorize expenses, set recurring bills, and track vendor payments with reminders. It integrates with bank accounts for automatic imports and provides basic reporting on bills payable, though it's more focused on invoicing and receivables than dedicated AP automation.
Pros
- Intuitive interface that's easy for non-accountants
- Mobile receipt scanning with OCR for quick bill capture
- Bank feed integration for automatic expense imports
Cons
- Lacks advanced AP workflows like approvals or multi-level reviews
- Additional users quickly increase costs
- Reporting for bills payable is basic compared to specialized tools
Best For
Freelancers and small service-based businesses needing simple bill tracking integrated with invoicing and expense reporting.
Pricing
Lite ($19/mo), Plus ($33/mo), Premium ($60/mo), Select ($custom); billed annually with 30-day free trial.
Wave
otherFree online accounting tool with bill creation, tracking, and payment processing for small businesses.
100% free unlimited bill and expense tracking with seamless accounting integration
Wave is a free cloud-based accounting platform that offers bill tracking as part of its expense management tools, allowing users to log bills, categorize expenses, set due dates, and monitor payables. It supports manual entry, receipt scanning via mobile app, and recurring bills, with options to pay bills directly through ACH or credit card integrations. While not a dedicated bill pay solution, it provides solid tracking within a broader financial dashboard for small businesses.
Pros
- Completely free for core bill tracking and accounting
- Intuitive interface with mobile receipt scanning
- Unlimited transactions and automatic categorization
Cons
- Payment processing incurs fees (e.g., $0.40 ACH)
- Limited advanced automation like auto-import from vendors
- Fewer integrations compared to specialized bill pay tools
Best For
Freelancers and very small businesses seeking a no-cost, simple solution for basic bill tracking integrated with accounting.
Pricing
Free for accounting, expenses, and bill tracking; payments via 1% + $0.40 ACH or 2.9% + $0.60 credit card.
Zoho Books
specializedOnline accounting solution with bill management, vendor portals, and automated payment reminders.
Multi-level bill approval workflows with custom rules and notifications
Zoho Books is a cloud-based accounting software designed for small to medium businesses, offering comprehensive bill tracking as part of its accounts payable management. It allows users to record vendor bills, set up multi-level approvals, schedule recurring bills, and track payments with automated reminders and overdue alerts. The platform integrates bill data with banking, inventory, and reporting for a holistic financial overview.
Pros
- Robust multi-level bill approval workflows
- Automated recurring bills and payment reminders
- Seamless integration with bank feeds and other Zoho apps
Cons
- Feature-rich interface may overwhelm users focused solely on bill tracking
- Pricing scales with revenue and users, less ideal for solopreneurs
- Limited advanced customization for bill-specific reporting
Best For
Small to medium businesses needing integrated accounting with reliable bill management and automation.
Pricing
Free for businesses under $50K annual revenue; paid plans start at $20/org/month (Early stage), up to $275/org/month (Ultimate), billed annually.
Conclusion
Bill.com leads the top 10 best bill tracking software, excelling with its automation of accounts payable and receivable, combining bill tracking, approvals, and payments seamlessly. QuickBooks Online follows as a strong alternative, noted for its cloud-based accounting that handles bills, expenses, and reconciliations smoothly, while Xero stands out with real-time tracking of bills, purchases, and bank feeds. Each tool caters to distinct needs, but Bill.com emerges as the clear top choice.
Begin your journey with Bill.com to simplify bill management, streamline workflows, and enhance efficiency—an investment that drives smoother financial operations for any business.
Tools Reviewed
All tools were independently evaluated for this comparison
Referenced in the comparison table and product reviews above.