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.
BILL AP
BILL AP pricing starts at $49/month for the Essentials plan, with the Team plan at $65/mon
verified 5w ago
$545
$564
Xero
Xero is a cloud accounting platform built for small businesses, freelancers, and growing t
verified 8w ago
$545
$564
Recorded annual contract medians
BILL
median is
$19
less than
Xero
· different customer contracts; not a quote
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
$660/yr
year 1 license · flat plan price
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
3 sourced facts
2 contract · Vendr median
Last verified
1mo 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 · 04
Contract terms
The fine print, surfaced. Green = buyer-friendly. Each clause backed by a quoted source.
BILL
Xero
Auto-renewal
Yes
—
Cancellation
Users can request cancellation at any time, with the cancellation becoming effective on the last day of the billing cycle in which the request is made, or the date on which the last requested payment is posted and completed, whichever is later, and users are responsible for all service fees accrued up to the effective date.
—
Commitment
Annual commitments are common, and buyers should inquire about the contract term and the ability to reduce seats mid-term.
—
Price escalation
—
Xero has implemented multiple price increases in recent years, with changes typically happening around the beginning of the year or in the second half of the year. For example, a significant price increase occurred on July 1, 2024, and another was implemented on September 13, 2023. Additionally, there were price adjustments in March 2023 and September 15, 2022.
Can downgrade
—
—
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
Contract Terms
| Term | BILL AP | Xero |
|---|---|---|
| Auto-renewal | Yes | — |
| Cancellation | Users can request cancellation at any time, with the cancellation becoming effective on the last day of the billing cycle in which the request is made, or the date on which the last requested payment is posted and completed, whichever is later, and users are responsible for all service fees accrued up to the effective date. | — |
| Minimum commitment | Annual commitments are common, and buyers should inquire about the contract term and the ability to reduce seats mid-term. | — |
| Price escalation | — | Xero has implemented multiple price increases in recent years, with changes typically happening around the beginning of the year or in the second half of the year. For example, a significant price increase occurred on July 1, 2024, and another was implemented on September 13, 2023. Additionally, there were price adjustments in March 2023 and September 15, 2022. |