Forwardly vs Bill.com
Choose Forwardly if you want AP and AR without per-user subscription fees; choose Bill.com if you need international payments, mailed checks, or a downloadable mobile app. Both offer bill capture, approval workflows, payment collection, and accounting integrations. The main buying decision is whether Forwardly’s transaction-based pricing and domestic bank-payment options fit your needs, or whether BILL’s broader payment methods and plan-based features justify a per-user subscription.
Last updated October 27, 2026.
At a glance
| Dimension | Forwardly | Bill.com |
|---|---|---|
| AP and AR subscription | $0/month; transaction fees apply | Essentials $49, Team $65, Corporate $89 per user/month; Enterprise custom |
| User pricing | Unlimited users with custom roles | Per-user AP and AR pricing; discounted approver seats on higher tiers |
| Standard ACH fee | 5 sent and 5 received free monthly; then $0.50 each | $0.59 per ACH/ePayment |
| Faster bank payments | Next-day, same-day, and eligible instant transfers; 1% with published caps | Pay Faster ACH $11.99; Instant Payment 1%, $9.99–$100 |
| International payments | Domestic US payments only | International wires and local transfers to 130+ countries |
| Vendor payment methods | Bank transfer or card | ACH, virtual card, card, international transfer, or mailed check |
| Mobile access | Mobile browser; no downloadable app | iOS and Android app |
| Accounting sync | QuickBooks Online and Xero; additional ERP sync on custom pricing | QuickBooks and Xero on Team and above; additional ERPs on Enterprise |
| Bill capture | AI bill capture and dedicated inbox | Centralized inbox; AI multi-line coding on Team and above |
| Approvals | Custom approval workflows and roles | Standard policies on Essentials; custom policies on Corporate and above |
| Multi-entity management | Accounting firm dashboard and client management hub | Multi-entity accounting on Corporate and Enterprise |
| Support | Email on free account; phone and video on custom pricing | Live chat and phone on all plans; premium phone support on Enterprise |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Forwardly if
- US teams avoiding per-user AP and AR fees
- Businesses making domestic bank payments at multiple speeds
- Teams with many users and custom approval roles
- Businesses paying other Forwardly Network members
Choose Bill.com if
- Teams paying vendors internationally
- Businesses that still need mailed checks or virtual cards
- Staff managing bills in an iOS or Android app
- Organizations needing procurement workflows
The verdict
Forwardly is the better fit for US businesses that want unlimited users, domestic AP and AR payments, and no monthly platform fee. Bill.com is the better fit for teams that need to pay internationally, mail vendor checks, or manage payables in an iOS or Android app. Compare the total cost at your expected user count and payment volume: both vendors charge transaction fees, while BILL also charges per user for AP and AR subscriptions.
Forwardly vs Bill.com: common questions
- Is Forwardly or Bill.com cheaper for a team with many users?
- Forwardly charges no monthly platform or per-user fee and includes unlimited users, but payment fees can apply. BILL charges per user for AP and AR subscriptions, starting at $49 per user per month, plus applicable transaction fees. The lower total depends on your payment volume and methods.
- Do either Forwardly or Bill.com include free ACH payments?
- Forwardly includes five outgoing and five incoming standard ACH payments each month, then charges $0.50 per transfer. BILL lists a $0.59 fee for an ACH/ePayment.
- Can Forwardly and Bill.com make instant payments?
- Forwardly offers eligible instant bank transfers at 1%, with a $1 minimum and $30 maximum; availability depends on bank support and eligibility. BILL lists Instant Payment at 1%, with a $9.99 minimum and $100 maximum.
- Which supports international vendor payments?
- BILL offers international wires and local transfers to more than 130 countries. Forwardly says its payments are currently limited to domestic transactions between US businesses.
- Does Forwardly have an app like Bill.com?
- Forwardly has no downloadable mobile app but works in a mobile browser. BILL offers an app for iOS and Android that works with a BILL account.
- Which accounting systems can Forwardly and Bill.com sync with?
- Forwardly lists real-time QuickBooks Online and Xero sync in its pay-as-you-go offering and lists additional ERP sync under custom pricing. BILL lists automatic QuickBooks and Xero sync on Team and higher plans, with additional ERP integrations on Enterprise.
- Do both products automate bill entry and approvals?
- Yes. Forwardly lists AI bill capture, a dedicated inbox, custom roles, and approval workflows. BILL lists a centralized bill inbox and approvals on Essentials, with AI multi-line bill coding on Team and higher plans and custom approval policies on Corporate and higher plans.
- Can I use either product to mail a vendor a check?
- BILL offers a check-printing and mailing service and lists a $1.99 fee for a standard mailed check. Forwardly publishes bank-transfer and card options, but does not list mailed checks as a payment method.