Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 43 companies across 4 categories.
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Founded in 2006 as cloud AP/AR for SMBs, BILL became the payments backbone of the accountant channel and, through white-labelled bank-portal deals, an embedded-finance supplier to banks. Intuit's June 2023 exit from a six-year QuickBooks Online embed showed the risk of depending on a platform partner that can build or buy a rival; BILL rebuilt distribution as 'Embed 2.0' (Paychex, NetSuite, Acumatica) while consuming embedded infrastructure itself: Cross River, WEX Bank and WebBank as card issuers with DivvyPay as program manager, WebBank for invoice financing, Column and IntraFi for the Cash Account, Modulr for UK/EU, Adyen for acquiring and issuing processing, Duffel for travel. Transaction fees are 73% of FY2026 revenue ($1.211B of $1.653B) and float another $148M, so BILL is a payments business wrapped in software. It now faces activist pressure (Starboard, Elliott), a ~30% headcount cut and reported take-private interest, as its peers were absorbed (Melio by Xero, AvidXchange by TPG and Corpay).
Other Spend / AP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/bill/install" width="1" height="1" alt="" style="display:none">43 companies disclose BILL in their stack in the Embedded Finance Index 2026, including Quicken, QBench, Invoice2go Money, Spikeball, UKG, Ignite Spot Accounting, Rillet, Ocus, BetterRX, OFX and 2 others.
BILL is an embedded-finance provider in Spend / AP, PSP, FX / Payouts and Lending. It ranks #1 of 74 Spend / AP providers by disclosed buyers.
Yes. BILL trades as NYSE:BILL, listed since 2019.
The most-disclosed Spend / AP alternatives to BILL are Brex (39 buyers), Ramp (28 buyers), Tipalti (19 buyers), Pleo (16 buyers), Findity (11 buyers) and Melio (10 buyers).
BILL was founded by René Lacerte and is founded in 2006, headquartered in Palo Alto, CA (now San Jose, CA).
BILL has raised $347.1M (pre-IPO) in total.
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