BILL AP vs Xero
Accounts Payable pricing comparison · 2026
BILL AP pricing ranges from $49–$89/per user/month, while Xero ranges from $25–$90/month. Xero is typically 20% more affordable, though your actual cost depends on tier and team size.
Xero
Xero is a cloud accounting platform built for small businesses, freelancers, and growing t
verified 6w ago
$545
$564
Verdict · Vendr median · year 1
BILL
saves
$19
vs
Xero
· 25 seats
Cheapest
$545
Spread
3%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Team
$20K/yr
year 1 license · $65/seat
Growing
$17K/yr
year 1 license · $55/seat
What buyers actually pay
median, annual
Vendr deal-flow data. The real benchmark, not list price.
↓ Lowest median
Median annual
$545/yr
Vendr · n=192
Median annual
$564/yr
Vendr · n=147
REF · 01
Sources & confidence
Every dollar amount and contract clause below traces back to a sourced fact. We don't manufacture composite scores.
Where this data comes from
Vendr · TrustRadius · Reddit · BBB · official docs
Sources
1 sourced fact
Vendr median
Last verified
1w ago
Confidence
Medium confidence
Sources
21 sourced facts
19 hidden-cost · 1 contract · Vendr median
Last verified
1mo ago
Confidence
Medium confidence
REF · 02
Plans at a glance
Every tier per product. Lock one to drive the cost row above and reveal a tier-specific outbound CTA.
Tier ladder
Click a tier to lock the cost row to it. Locking surfaces a tier-specific Visit CTA.
REF · 05
What users say
Aggregated, with sample sizes. We use whichever review platform has data.
User reviews
TrustRadius · Trustpilot · G2
Decide
Get a quote from each vendor
Each link opens the vendor's pricing page in a new tab.
License cost is computed from publicly listed plans (real math, list price × seats).
Median annual cost is from Vendr's deal flow when available — see source badges.
Hidden costs and contract terms each cite their own sources. We do not invent composite scores.
VS
Plan-by-Plan Pricing
| Plan | BILL AP | Xero |
|---|---|---|
| Essentials | $49 /user/month | $25 /month |
| Team | $65 /user/month | $55 /month |
| Corporate | $89 /user/month | $90 /month |
| Enterprise | Custom | — |
Cost at Scale
Total cost of ownership — licenses, implementation, and hidden costs included.
BILL AP
3 scenarios$90/month (2 users × $45)
Small business (50 invoices/month)
+ occasional ACH fees
$275/month (5 users × $55)
Mid-sized company (200 invoices/month)
+ payment processing fees
$1,185/month (15 users × $79)
Enterprise organization (1,000+ invoices/month)
+ custom Enterprise features + expedited ACH fees
Xero
8 scenarios$25/month
Freelancer with few clients
for Early plan
$55/month
Growing service business
for Growing plan
$90/month
International e-commerce business
for Established + Gusto payroll (~$100/month) = ~$190/month
Market Intelligence
BILL AP
- Median annual cost
- $545
- Based on
- 192 deals
Xero
- Median annual cost
- $564
- Based on
- 147 deals