Makes Invoicing and Paying Bills Easier — Is It Free?

Is free to use? Learn about the cloud-based service billed as “the intelligent way to create and pay bills, send invoices, and get paid.”

Dan Clarendon - Author

Sep. 12 2022, Published 3:37 p.m. ET logo

Interest in seems to be on the upswing, with the stock price for Holdings, Inc. (NTSE: BILL) rising from around $97 to around $170 over the last four months. offers cloud-based financial software for small and midsize businesses, calling itself “the intelligent way to create and pay bills, send invoices, and get paid.” Of course, that convenience comes at a cost: There’s only one way that is free to use, as you’ll see below.

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So, is worth its cost? Users on Reddit seem to think so. “It’s a little costly for the monthly access, but the fees per transaction are 100 percent worth it when you consider the cost of buying checks, envelopes, postage, and taking the time to write checks,” one wrote.

“A little expensive but worth it,” another observed. “Syncs well with QuickBooks. Helps with going paperless.”

Here's how to use and make use of its features.

To create an account, head over to’s sign-up webpage. Once you create an account and choose a plan, you can start availing yourself of features like a centralized inbox, invoice data capture, and unlimited document storage. Or, if a user wants to pay you through the platform and has sent you an invitation to sign up, you can do so through the onboarding page.

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Is free to use? offers various plans to support its customers’ varying needs. If you’d like to use to pay bills or get paid, you can subscribe to the Essentials plan for $45 per user per month or the Team plan for $55 per user per month. One notable difference between the two is that you have to manually import and export CSV files into your accounting software with the Essentials plan, while the Team plan integrates with software like QuickBooks and Xero.

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If you’d like to pay bills and get paid, you can subscribe to the Corporate Plan for $79 per user per month. also offers custom pricing for its Enterprise plans; and for accountants, offers a Accountant Partner Program for $49 per month. The paid plans come with a 30-day, risk-free trial.

There is one free option: A Basic Receivables account, which lets companies and individuals receive ePayments using takes security very seriously.

In its FAQ, outlines its security protocols, including payment protections, data protections, and network protections. In terms of data protections, for example, says it applies an additional level of encryption to sensitive customer data, uses Transport Layer Security (TLS) and industry-standard cipher suites, and keeps production data in a primary site and a co-location facility in case of disaster.

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Most users think that is worth it.

PCMag gives an “outstanding” 4.5/5 rating. “ is in a category by itself,” the magazine says. “No other service provides a similar set of tools that can function as a standalone application or be smoothly integrated with leading accounting programs. does not pretend to be a full-blown small business accounting solution. Rather, it goes a step beyond double-entry accounting services in the areas of payables and receivables.”

TechRadar, meanwhile, gives the service a 3.5/5 review, commending its support for ACH payments, its choice of pricing tiers, and its integration with accounting software, but criticizing its support availability, its “confusing” plan options, and its cost.


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