# Orla vs Bill.com: the price is per company, not per seat URL: https://www.orla.finance/en/vs-bill-com Markdown twin of that page. Append `.md` to any Orla page URL to get one. 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. #### What each one is, and what it costs - What it is (In one sentence): Orla: The finance back office that runs itself: bills, payouts, cards, invoices, and the month for your accountant, up to pre-accounting; Bill.com: Accounts payable and receivable on Bill.com's own payment rails, synced to your accounting software - Price (Their pricing page, this month): Orla: Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call; Bill.com: Per user per month: Essentials $49, Team $65, Corporate $89; Enterprise priced on request - Fees on a payment (What moving money costs): Orla: 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; Bill.com: 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 handoff (Where it starts): Orla: 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; Bill.com: Automatic two-way sync with accounting software from Team, $65 per user - Approvals (Who signs above what): Orla: 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; Bill.com: Approval workflows, with more granular controls from Team - Where money leaves from (The rails): Orla: 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: Bill.com's own rails: ACH, check, virtual card, international wires and local transfers - Tax forms (1099s): Orla: None: Orla collects no tax forms and files nothing; Bill.com: 1099 e-filing to the IRS at $2.99 a form - Crypto (Exchanges and wallets): Orla: 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; Bill.com: Not on the pricing page - Cards (Company spending): Orla: Virtual Visa or Mastercard cards prepaid from a balance you top up in USDT or USDC, each with its own ceiling; Bill.com: A card product under Spend & Expense, with credit lines advertised from $1,000 to $5M, subject to approval - Free plan (Before paying anything): Orla: Yes, with no card and no clock; Bill.com: The payables and receivables plans start at $49 per user #### What a team of five pays each month Per seat against per company, before a single payment fee. - Bill.com Team, five users: $325 a month, plus the fee on each payment. Team is where the two-way sync with your accounting software starts. - Orla Pro, one company: $69 a month with five seats, the journal export, payout batches with who was paid, and a free accountant's seat. Each payment leaves from your own account and carries that rail's own cost. - Orla Scale, one company: $199 a month when the team wants ten seats, several approval rules and a monthly allowance per person, and still one number for everyone. 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. #### 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. #### 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. #### Who should pick which Three honest cases, the third included. - Pick Bill.com if: you are a US company with a finance person, your accountant works inside QuickBooks or NetSuite, and you want payments on the platform's own ACH and check rails. - Pick Orla if: nobody in the company is a finance person, part of the money lives on exchanges or in wallets, the team sits outside the US, or you would rather pay one subscription than one per seat. - Use both if: Bill.com already pays your US vendors and you want the rest of the money in one book: Orla reads the bank statement, and the Bill.com payments arrive as rows. The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.