← Embedded Finance Index 2026/Vendor

BILL

Provider
Spend / APPSPFX / PayoutsLending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 38 companies across 4 categories.

bill.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesSpend / AP, PSP, FX / Payouts, Lending
Rank#1 of 68 in Spend / AP
Buyers38 companies
TickerNYSE:BILL
Market cap~$8B
IPO2019
Pre-IPO raised$430M
Claim this profile

Work at BILL? Verify your work email to unlock your full disclosed buyer list.

In the press
embeddedfinancereview.com ↗
Coverage of BILL sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2025-09-19
Gusto Launches Gusto Money: Payroll Provider Expands Into Embedded Finance With Credit, Bill Pay, and Invoicing
Gusto launches Gusto Money with embedded finance features: Payroll Bridge lending, bill pay via Melio, and invoicing. How payroll providers are expanding into fintech.
Source · Embedded Finance Review ↗
◇ article2024-09-09
A tax bill and funding round for a British banking-as-a-service provider
UK bank The Bank of London resolves tax dispute after CEO resignation and secures £42M funding in dramatic week. What this banking-as-a-service provider's turbulent timeline reveals.
Source · Embedded Finance Review ↗
◇ article2023-09-19
How embedded finance can turn partners into enemies: QuickBooks vs. Bill
QuickBooks launches QuickBooks Money and blocks Bill's API access, showing how embedded finance can shift partnerships into competition in B2B fintech.
Source · Embedded Finance Review ↗
Who uses BILL
38 companies disclose BILL in their stack
QuickenQBenchInvoice2go MoneySpikeballUKGIgnite Spot AccountingRilletOcusBetterRXOFXXeroMerchant e-Solutions+26 more
Buyer mix · 38 of 38 classified
Horizontal SaaS / Accounting · 9E-commerce / DTC brand · 5Vertical SaaS / Accounting · 3E-commerce / Retail · 2Infrastructure / Payments · 2Marketplace / Two-sided · 2Vertical SaaS / Healthcare · 2Bank / Sponsor · 1
US · 30EU · 3APAC · 2UK · 1Canada · 1
What the disclosures say
Quicken
“Quicken's support page at quicken.com/support/bill-pay-identity-verification-failed/ confirms identity verification is performed for Quicken Bill Manager users ('Quicken is mandated to gather specific data elements about customers using Quicken Bill Manager for the purposes of identity verification'), and the privacy p…”
QBench
“QBench's billing module handles invoice creation and payment application internally within the LIMS.”
Invoice2go Money
“Invoice2go Money Banking FAQs: 'ACH payments, powered by BILL'.”
Spikeball
“BILL publicly lists Spikeball as a customer (hint://BILL — known_customer_listings TIER 1).”
UKG
“UKG's product page for UKG Wallet explicitly names a 'UKG VISA payroll card' as part of the wallet offering, alongside EWA, bill pay, and savings features; the underlying issuer/program manager is not disclosed in the surfaced evidence.”
Ignite Spot Accounting
“ignitespot.com/partners explicitly names BILL (Bill.com): 'We are certified in Bill.com and have extensive experience in setting up and maintaining the platform.' BILL's own case-study page (bill.com/case-study/customer-success-story-ignite-spot-accounting) confirms Ignite Spot uses BILL AP, AR, and Spend & Expense.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent BILL? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where BILL’s disclosed buyers are headquartered. Represent BILL? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

Alternatives to BILL

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.

Brex29 buyers →Ramp23 buyers →Tipalti19 buyers →Pleo15 buyers →Findity11 buyers →Melio10 buyers →Soldo9 buyers →Stripe8 buyers →
Share this rank

An embeddable badge for BILL’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #1 of 68 in Spend / AP — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/bill?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/bill.svg"
       alt="Ranked #1 of 68 in Spend / AP — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/bill/install" width="1" height="1" alt="" style="display:none">