Authorize.net vs. BILL

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Authorize.net
Score 8.2 out of 10
N/A
Authorize.net is a payment gateway software solution offered by Visa featuring secure data processing and fraud protection.
$25
monthly gateway
BILL
Score 7.5 out of 10
N/A
BILL is an online service for SMBs which provides a central dashboard for managing Accounts Receivable, Accounts Payable, and cash flow management. It syncs with all major accounting systems like QuickBooks, Sage, Intaact, and NetSuite.
$45
per month
Pricing
Authorize.netBILL
Editions & Modules
All-in-One Option
25 & 2.9% + $0.30
monthly gateway/per transaction
Payment Gateway Only
$25
monthly gateway
Essentials
$45
per user/per month
Team
$55
per user/per month
Corporate
$79
per user/per month
Enterprise
Custom Pricing
Offerings
Pricing Offerings
Authorize.netBILL
Free Trial
NoYes
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional Details
More Pricing Information
Features
Authorize.netBILL
Payment Management
Comparison of Payment Management features of Product A and Product B
Authorize.net
-
Ratings
BILL
3.5
4 Ratings
53% below category average
Customizable Approval Policies00 Ratings5.52 Ratings
Financial Document Management00 Ratings3.34 Ratings
Payment Status Tracking00 Ratings1.64 Ratings
Payment Audit Trail00 Ratings3.64 Ratings
Duplicate Bill Detection00 Ratings8.22 Ratings
Advanced OCR00 Ratings1.01 Ratings
Electronic Funds Transfer00 Ratings1.43 Ratings
Accounts Payable
Comparison of Accounts Payable features of Product A and Product B
Authorize.net
-
Ratings
BILL
3.8
2 Ratings
36% below category average
Automated Accounts Payable Processes00 Ratings4.92 Ratings
Vendor Management00 Ratings5.62 Ratings
Tax Form Preparation00 Ratings1.01 Ratings
Best Alternatives
Authorize.netBILL
Small Businesses
Apple Pay
Apple Pay
Score 9.1 out of 10
Square 9 Softworks
Square 9 Softworks
Score 9.7 out of 10
Medium-sized Companies
Apple Pay
Apple Pay
Score 9.1 out of 10
Square 9 Softworks
Square 9 Softworks
Score 9.7 out of 10
Enterprises
Adyen
Adyen
Score 8.8 out of 10
Webexpenses
Webexpenses
Score 8.4 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
Authorize.netBILL
Likelihood to Recommend
8.3
(31 ratings)
2.6
(64 ratings)
Likelihood to Renew
9.1
(2 ratings)
8.9
(13 ratings)
Usability
-
(0 ratings)
1.0
(6 ratings)
Availability
-
(0 ratings)
8.3
(6 ratings)
Performance
-
(0 ratings)
10.0
(2 ratings)
Support Rating
5.0
(1 ratings)
1.0
(17 ratings)
Online Training
-
(0 ratings)
9.0
(2 ratings)
Implementation Rating
-
(0 ratings)
8.0
(5 ratings)
Ease of integration
-
(0 ratings)
10.0
(1 ratings)
User Testimonials
Authorize.netBILL
Likelihood to Recommend
Visa
Authorize.net is reliable and I feel confident that customers' information is protected. The security protocols used by Authorize.net appear to be as good, and probably better than many credit card payment processors. However, the initial setup process was very difficult. I distinctly recall getting up and running as being very cumbersome and time-consuming. I also was disappointed with how the processing and deposit of payments were not consistent. I distinctly remember regretting the decision to go with Authorize.net. However, as mentioned before, with the time and effort required to get the account set up and running, I refused to go through the process again and try a different provider.
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BILL
It depends, Bill.com certainly has a strong reputation and I agree it can be a great solution in the right scenario but I think the implementation and initial setup are critical and need to be well thought out based on the setup of the organization you are a part of.
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Pros
Visa
  • Very smooth workflow to authorizing, capturing, voiding, and refunding charges. This can all be done via API calls, or through their online dashboard.
  • Their AVS settings for validating credit cards are substantial and have been reliable in ensuring that our customers cards are being used safely and properly.
  • Their uptime and response times are very good in general. The only issues we ever have communicating with their services is when our connection quality is compromised.
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BILL
  • The fact that bill.com automatically processes most information on the invoice is really helpful - leads to quicker processing
  • The "to do list" feature ensures you see the tasks that need to be completed ASAP
  • The reports section is very helpful in year end prepping for audits
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Cons
Visa
  • The lack of data portability is a big issue for me.
  • Authorize.net uses the same $49.00 gateway setup fee to scam merchants out of money, which is no better than any of the other gateways out there.
  • Their customer service is not up to the mark. You can get stuck if you need any help from their end.
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BILL
  • Currently, our company uses a different platform to submit expenses, we only use bill.com to receive them. So perhaps this isn't actually a place where bill.com could improve, but the expense submission process may not have been robust enough for our company.
  • The bill.com platform wasn't the most beautiful or pleasing to use, but this is a minor fault.
  • I'd love a way to set up recurring payments (e.g., my phone bill is reimbursed each month).
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Likelihood to Renew
Visa
Authorize.net has been a useful system for our Chamber. We appreciate the ease of use and access to our Main Frame. Connecting Authorize.net to our system for membership, event and other payment ease has been excellent and we have experienced no problems whatsoever.
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BILL
While our firm does not use Bill.com internally, we know many customers that use Bill.com and are very happy with it. Based on the feedback from current users, I would say that the product should have a strong renewal forecast. Once customers move their AP to the cloud, they would be unlikely to move it back given a choice.
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Usability
Visa
No answers on this topic
BILL
Bill.com continues to raise the bar with new features and improved interface. The Fast Pay option is another innovation that reduces administrative time when you have to get an overnight check out. The new Chat Support interface, powered by Zopim, which is world-class, adds to the responsiveness of Bill.com's support team and makes getting real-time answers that much easier.
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Reliability and Availability
Visa
No answers on this topic
BILL
The only time Bill.com was ever "unavailable" was then the Sync to Quickbooks function failed. That happened a time or two but was usually quickly remedied. I'm not sure if that's an issue with newer online versions of Quickbooks Enterprise -- at the time we were using a remotely hosted Quickbooks instance accessed via terminal server (vs a cloud offering like Bill.com is)
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Performance
Visa
No answers on this topic
BILL
pretty fast usually
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Support Rating
Visa
I have no experience directly with the support offered by Authorize.Net.
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BILL
I could not explain to them how I was trying to remove an old email account from my company page while granting the new email account access to the bank account that the first email account had added. The "set a bank account as inactive" button is labeled delete, but they don't seem to recognize that. I requested my Bill.com account be deleted on Wednesday so I could start all over with a fresh account; this seemed to be completed Wednesday night, but when I tried to create a new Bill.com account from the same email, it took me to my old bill.com account.
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Online Training
Visa
No answers on this topic
BILL
The online training provided by Bill.com is concise and since the firm consistently improves the platform functionality, users are able to select the training for the modules they specifically need.
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Implementation Rating
Visa
No answers on this topic
BILL
I heard from my leadership that it went very well.
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Alternatives Considered
Visa
Authorize.net is a reliable and affordable payment processing service that offers more robust security than other services, such as Stripe or PayPal with their monthly fees at $25 dollars month lot of people may be turned off by these high prices but you get what you pay for - protection against fraud in risky transactions so I would recommend using Authorize.net if this matters to your business!
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BILL
top solution out there to simplify accounting and finance tracking. Only negative note: they started charging for every single client ACH payment done through Quickbooks. Originally this feature was free, but then it grew to up to $10 per transaction. Reason for which we had to look into alternate solutions
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Return on Investment
Visa
  • Lets us charge cards so we can get paid on time, every time.
  • It was very difficult to setup the DocuSign integration the first time, but after we got it setup, it's made the onboarding process very easy. That probably saves about 30 minutes every time we get a new client.
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BILL
  • After receiving an offer to 'finance' outstanding invoices, I was enticed by the promise of a 3% total cost for a 60-day period, with the possibility of extending the financing for an additional 10 months (for an additional fee). Eager to access funds, I decided to finance an invoice worth $17,160.00. Within 24 hours, BILL deposited $16,645.20 (97% of the invoice amount) into my account.
  • However, when the customer paid their $17,160 invoice four days later, instead of the funds being deposited into my checking account as I expected, BILL chose to retire the loan and retain my $514.80 fee for the 4 day advance period. This unexpected turn of events resulted in an effective interest rate of a staggering 273.75%. It was clear that this arrangement was far from what I had initially understood, and the financial impact was outrageously high.
  • Frustratingly, my attempts to resolve this issue through customer service were in vain, as I spoke with three agents who provided no satisfactory solutions. To anyone contemplating using BILL's services, I strongly urge you to carefully scrutinize the fine print and consider opting for a more reputable finance company."
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ScreenShots

BILL Screenshots

Screenshot of BILL’s central dashboard, which displays upcoming bills, invoices, and ingoing and outgoing payments.Screenshot of BILL automatically pulls in bills via email and automatically starts the process. It also checks for duplicate invoices by looking at the invoice numbers and payment amounts to flag questionable invoices.Screenshot of BILL's desktop and mobile applications so users' teams can review invoices and send payments on-the-go.Screenshot of BILL’s mobile app, which can be used to review invoices, add comments, and approve from anywhere.Screenshot of The overview screen, where the status of invoices can be reviewed to get a bird’s eye view of tasks.