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Stripe

Stripe

SaaS & Developers

VS

Bill.com

AP/AR Automation

Bill.com
Fees from
1.5%–3.15% + 1.8 SEK vs From $45/user/month
Features

2 shared

4 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

3 shared

17 unique to Stripe · 2 unique to Bill.com
On settlement

Stripe settles in 2–4 business days; Bill.com settles in 2–7 business days. Verify directly with each provider before signing.

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Show full specs
6 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Bill.com Bill.com
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
From $45/user/month
Settlement
Time to receive funds
2–4 business days
2–7 business days
Founded
2010
2006
Headquarters
South San Francisco, California
San Jose, California, USA
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
✓
—
Enterprise
✓
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 5)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mastercard Unique
✓
—
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Virtual Card Unique
—
✓
Visa Unique
✓
—
Wire Transfer Unique
—
✓
Regions
Stripe leads (7 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Bill.com
Need Instant Payout
Not available with Bill.com
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
Bill.com doesn't cover these regions
View Stripe

Bill.com is best when you...

AP/AR Automation
View Bill.com

Frequently Asked Questions

What is the difference between Stripe and Bill.com?
They share 3 payment methods and 1 region. Stripe adds Affirm, Afterpay, Amex and 14 more that Bill.com does not list; Bill.com adds Virtual Card, Wire Transfer that Stripe does not list; Stripe also covers Africa, Asia and 4 more; only Stripe offers Crypto Support, Instant Payout and 2 more.
Which is cheaper, Stripe or Bill.com?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Bill.com has published rates from From $45/user/month. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Bill.com?
Stripe lists 7 regions and 20 payment methods; Bill.com lists 1 and 5. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Bill.com compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 business days, Bill.com in 2–7 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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