Compared
Orla vs Bill.com: the price is per company, not per seat
Bill.com counts every user, at $49, $65 or $89 a month each before the first payment fee. Orla is one subscription for the company, pays from your own bank or wallet, and hands the accountant the month.
Bill.com's prices and fees below were read on its own pricing page on 26 September 2026.
Side by side
What each one is, and what it costs
The honest version, including the rows where Bill.com wins.
| Orla | Bill.com | |
|---|---|---|
| What it isIn one sentence | The finance back office that runs itself: bills, payouts, cards, invoices, and the month for your accountant, up to pre-accounting | Accounts payable and receivable on Bill.com's own payment rails, synced to your accounting software |
| PriceTheir pricing page, this month | Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call | Per user per month: Essentials $49, Team $65, Corporate $89; Enterprise priced on request |
| Fees on a paymentWhat moving money costs | None from Orla: a payout or a bill leaves from your own bank or wallet and carries that rail's own cost. Orla's own fee sits in three places: a crypto swap and a card top-up, each named on the screen before you confirm, and what an AI agent's wallet spends on its own | ACH $0.59, a mailed check $1.99, a virtual card free, an international USD wire $19.99, paying by card 2.9% |
| The accountant's handoffWhere it starts | A journal CSV for Xero and QuickBooks from Pro, $69 for the company; the chart of accounts and the month's checklist on every plan | Automatic two-way sync with accounting software from Team, $65 per user |
| ApprovalsWho signs above what | One approval rule with a threshold, a signature count and address-book only on every plan; several rules, named approvers and allowances on Scale; the proposer never signs | Approval workflows, with more granular controls from Team |
| Where money leaves fromThe rails | Your own bank as a payout rail (Revolut Business, Airwallex, Slash, Mercury), PayPal Payouts, and your own wallets on EVM, TRON and Solana | Bill.com's own rails: ACH, check, virtual card, international wires and local transfers |
| Tax forms1099s | None: Orla collects no tax forms and files nothing | 1099 e-filing to the IRS at $2.99 a form |
| CryptoExchanges and wallets | First class: six exchanges by read-only key, BTC, EVM, TRON and Solana wallets, a cost basis kept through swaps, and payouts sent in stablecoins | Not on the pricing page |
| CardsCompany spending | Virtual Visa or Mastercard cards prepaid from a balance you top up in USDT or USDC, each with its own ceiling | A card product under Spend & Expense, with credit lines advertised from $1,000 to $5M, subject to approval |
| Free planBefore paying anything | Yes, with no card and no clock | The payables and receivables plans start at $49 per user |
Prices and plans change on their side too. Seen one here that has? Tell us
The arithmetic
What a team of five pays each month
Per seat against per company, before a single payment fee.
Not a straight discount: Bill.com's price buys its own rails and a live sync, and Orla's buys the book around the payment.
Fair is fair
Where Bill.com is stronger
A comparison you can trust has to be able to say this.
- Its own rails: ACH at $0.59, a mailed check at $1.99, a virtual card at no fee, a USD wire abroad at $19.99. Orla has no rails of its own and reaches what your bank reaches.
- A live two-way sync with the accounting software from Team. Orla hands the accountant a file, and says so.
- 1099s filed with the IRS for you, at $2.99 a form. Orla collects no tax forms and files nothing anywhere.
- Credit: Bill.com advertises credit lines from $1,000 to $5M on application. Orla's cards are prepaid from a balance you fund.
If every supplier is in the US, the accountant lives in QuickBooks and you want payments on the platform's own ACH and check rails, Bill.com is the deeper payables tool, and the per-user price is the cost of that depth.
Where Orla is different
Everything around the payment, at one price
If any of this is your week, the comparison decides itself.
- One subscription for the company: five people, ten, an accountant, and the price does not move with the headcount.
- A contractor paid in USDC, an exchange balance and a Safe sit in the same book as the bank, each priced at the minute it moved.
- A forwarded bill reads its amount and due date off the file; where to pay comes from the contact card, never from the email.
- A rule on every plan: above the threshold a payment waits for the signatures the rule names, and a batch of up to 200 rows, also on every plan, is checked on its total.
- A company anywhere, a sole trader included, with the app in English, Spanish, Portuguese and Russian.
The short answer
Who should pick which
Three honest cases, the third included.
Questions
The questions the table does not answer
Is Orla a Bill.com alternative for a company outside the United States?
Yes. Orla takes a company anywhere, a sole trader included, keeps the book in any currency, pays from the bank or wallet you already have, and runs in English, Spanish, Portuguese and Russian. Bill.com's plans are priced per user in US dollars, with 1099 filing to the IRS among the extras.
Does Orla sync with QuickBooks or Xero the way Bill.com does?
No. Orla exports a period as double-entry journal lines in a CSV that Xero and QuickBooks import, with the account codes you mapped once. There is no login to connect and nothing flows back. Bill.com syncs both ways from its Team plan.
How does Orla pay a supplier without rails of its own?
From an account you already have. Connect Revolut Business or Airwallex and Orla prepares the payment as a draft your team sends in the bank; connect Mercury and the payment lands in your Mercury approval queue; Slash and PayPal Payouts send on a person's press; a wallet pays in USDT, USDC or the network's coin. The approval rule runs before any of them.
What does a team of five cost on each?
Bill.com Team is $65 per user a month, so $325 for five, plus the fee on each payment. Orla Pro is $69 a month for the company, with five seats, a free accountant's seat and the breakdown of each payout batch; Scale is $199 with ten seats and advanced approval rules. A batch itself is on every plan. Bill.com's prices as read on 26 September 2026.
Can Bill.com pay a contractor in USDC?
Its pricing page lists ACH, check, virtual card, card payments and international wires, and does not mention stablecoins. Orla pays a contractor in USDT or USDC from your own wallet, one payment or a batch of up to 200, on every plan, and books it the same way as a bank transfer.
Other comparisons
Start free, and pay from the account you already have
The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.
Or compare against Ramp → Every comparison on one page →- Orla vs T:0 →
- T:0 keeps GAAP books with a CPA; Orla runs everything before the accountant, and speaks crypto.
- Orla vs Dimely →
- Dimely turns a contract into an invoice inside your ERP; Orla takes it all the way to the money.
- Orla vs Fuelfinance →
- Fuelfinance is FP&A over QuickBooks; Orla is the book itself, for a company with no bookkeeper.
- Orla vs Light →
- Light is an agentic ERP for groups of companies; Orla is one company's back office, started this afternoon.
- Orla vs Neno →
- Neno is a Dutch accounting firm with an account of its own that files for you; Orla files nothing and hands the month to your accountant.
- Orla vs Ramp →
- Ramp is free for registered companies with $25,000 in the bank; Orla takes a company anywhere, and its crypto.
- Orla vs Tipalti →
- Tipalti is payables for finance teams from $99 plus fees; Orla prints its whole price and fits a company of three.
- Orla vs Request Finance →
- Request Finance is an account for stablecoins; Orla is the book and the rules across the accounts you have.
- Orla vs Rise →
- Rise charges $49 per contractor for payroll and compliance; Orla pays from your own wallet at one price.
- Moving off Midday →
- Midday is winding down after joining Ramp; Orla reads its whole export on every plan, categories and receipts included.
- Orla vs YNAB →
- Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets in one book.
- Orla vs Monarch →
- Monarch budgets American and Canadian banks well; Orla adds exchanges and wallets to the same money.
- Orla vs Copilot Money →
- Copilot tracks American money in dollars; Orla holds several currencies and puts coins in the budget.
- Orla vs Lunch Money →
- Both independent, both outside America; the split is whether a coin is a balance or a line.
- Orla vs Splitwise →
- Splitwise keeps score of who owes whom; Orla keeps the book those debts belong to.
- Orla vs CoinTracker →
- One counts last year's crypto for the tax office; the other runs your money all year.
- YNAB alternatives →
- Five options with the price and the catch on each.
- Splitwise alternatives →
- Two free like-for-like options, one different idea, and when moving a group is not worth it.
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.