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BILL vs. Lumanu vs. Xoom, a PayPal Service (personal use only)

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    BILL

    Score8.2 out of 10
    N/ABILL 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

    Lumanu

    Score10 out of 10
    N/ALumanu builds technology that makes doing business in the creator economy easy, collaborative and fun.N/A

    Xoom, a PayPal Service (personal use only)

    Score7 out of 10
    N/AXoom, a PayPal Service, is an online money transfer service for quickly sending money internationally. Xoom’s services are currently for personal use only, and business usage is against its terms of service.N/A
    Pricing
    BILLLumanuXoom, a PayPal Service (personal use only)
    Editions & Modules
    Essentials
    $45
    per user/per month
    Team
    $55
    per user/per month
    Corporate
    $79
    per user/per month
    Enterprise
    Custom Pricing
    No answers on this topic
    No answers on this topic
    Offerings
    Pricing Offerings
    BILLLumanuXoom, a PayPal Service (personal use only)
    Free Trial
    YesNoNo
    Free/Freemium Version
    NoNoNo
    Premium Consulting/Integration Services
    NoNoNo
    Entry-level Setup FeeNo setup feeNo setup feeOptional
    Additional Details—Contact vendor for pricing information.—
    More Pricing Information
    Community Pulse
    BILLLumanuXoom, a PayPal Service (personal use only)
    Considered Multiple Products
    BILL
    No answer on this topic
    Lumanu
    No answer on this topic
    Discontinued Products
    No answer on this topic
    Key User Insights
    Would buy again
    66%
    Would buy again
    23 Answers
    No answers on this topic
    100%
    Would buy again
    22 Answers
    Delivers good value for the price
    66%
    Delivers good value for the price
    23 Answers
    No answers on this topic
    95%
    Delivers good value for the price
    21 Answers
    Happy with the feature set
    66%
    Happy with the feature set
    23 Answers
    No answers on this topic
    100%
    Happy with the feature set
    22 Answers
    Lived up to sales and marketing promises
    52%
    Lived up to sales and marketing promises
    13 Answers
    No answers on this topic
    95%
    Lived up to sales and marketing promises
    19 Answers
    Implementation went as expected
    67%
    Implementation went as expected
    20 Answers
    No answers on this topic
    100%
    Implementation went as expected
    20 Answers
    Features
    BILLLumanuXoom, a PayPal Service (personal use only)
    Payment Management
    Comparison of Payment Management features of BILL and Lumanu and Xoom, a PayPal Service (personal use only)
    Feature
    BILL
    7.9
    8 Ratings
    3% above category average
    Lumanu
    -
    Ratings
    Xoom, a PayPal Service (personal use only)
    -
    Ratings
    Customizable Approval Policies8.06 Ratings00 Ratings00 Ratings
    Financial Document Management7.68 Ratings00 Ratings00 Ratings
    Payment Status Tracking8.18 Ratings00 Ratings00 Ratings
    Payment Audit Trail8.18 Ratings00 Ratings00 Ratings
    Duplicate Bill Detection8.16 Ratings00 Ratings00 Ratings
    Advanced OCR7.54 Ratings00 Ratings00 Ratings
    Electronic Funds Transfer7.97 Ratings00 Ratings00 Ratings
    Accounts Payable
    Comparison of Accounts Payable features of BILL and Lumanu and Xoom, a PayPal Service (personal use only)
    Feature
    BILL
    7.8
    5 Ratings
    8% above category average
    Lumanu
    -
    Ratings
    Xoom, a PayPal Service (personal use only)
    -
    Ratings
    Automated Accounts Payable Processes8.54 Ratings00 Ratings00 Ratings
    Vendor Management8.15 Ratings00 Ratings00 Ratings
    Tax Form Preparation6.92 Ratings00 Ratings00 Ratings
    Best Alternatives
    BILLLumanuXoom, a PayPal Service (personal use only)
    Small Businesses
    Tipalti
    Score7.7 out of 10
    Wise
    Score9.8 out of 10
    No answers on this topic
    Medium-sized Companies
    Stampli
    Score8.4 out of 10
    No answers on this topic
    No answers on this topic
    Enterprises
    Yooz
    Score8.8 out of 10
    No answers on this topic
    No answers on this topic
    All AlternativesView all alternativesView all alternativesView all alternatives
    User Ratings
    BILLLumanuXoom, a PayPal Service (personal use only)
    Likelihood to Recommend
    7.9
    (68 ratings)
    9.0
    (1 ratings)
    8.4
    (22 ratings)
    Likelihood to Renew
    8.0
    (14 ratings)
    -
    (0 ratings)
    8.0
    (1 ratings)
    Usability
    8.5
    (8 ratings)
    -
    (0 ratings)
    9.0
    (1 ratings)
    Availability
    8.0
    (7 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Performance
    6.0
    (3 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Support Rating
    9.0
    (18 ratings)
    -
    (0 ratings)
    9.0
    (2 ratings)
    Online Training
    9.0
    (2 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Implementation Rating
    8.0
    (6 ratings)
    -
    (0 ratings)
    7.0
    (1 ratings)
    Configurability
    8.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Contract Terms and Pricing Model
    8.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Ease of integration
    8.0
    (2 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Product Scalability
    8.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Vendor post-sale
    8.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Vendor pre-sale
    8.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    User Testimonials
    BILLLumanuXoom, a PayPal Service (personal use only)
    Likelihood to Recommend
    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.
    Incentivized
    Read full review
    Lumanu
    It helps in
    the search of our material on the web and social networks, as well as in the
    addition of metadata, cleaning, and publication of content.



    It allows us
    to prepare attractive and professional invoices, it provides the receipt of payments
    in n day.



    Simplify the
    process of targeting influential audiences, changing influencer copy, and
    running A/B tests on alternate headlines.
    Incentivized
    Read full review
    Discontinued Products
    Xoom is best suited to send and receive money between two people who live in different countries, not only that we can also send money to our friends, colleagues, family members directly in their bank accounts. They have a great currency exchange functionality that directly converts our received money into our local currency, and deposits it into our bank account within a few minutes. The only drawback is that not many people know about it, it needs good marketing so that more people can use this service, and from my experience, I can say it is very secure and a good competitor of Payoneer.
    Incentivized
    Read full review
    Pros
    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
    Incentivized
    Read full review
    Lumanu
    • It works great with Bill.com, Facebook, and PayPal.
    • Training is available in the form of live documentation and online.
    Incentivized
    Read full review
    Discontinued Products
    • Very fast transfer and very secure as being of PayPal.
    • Receiver don't need to download the app or use Xoom.
    • It supports bank and debit card to transfer funds and same with the receiver.
    Incentivized
    Read full review
    Cons
    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).
    Incentivized
    Read full review
    Lumanu
    • Occasionally, social accounts are disconnected or the advertiser's authorization is revoked without notice.
    • I wish Lumanu offered additional integrations, like those with TikTok and other sites.
    Incentivized
    Read full review
    Discontinued Products
    • Some destinations take longer to get delivered to.
    • Higher amounts of money are harder to transfer.
    • High fees when trying to add funds to new card.
    Incentivized
    Read full review
    Likelihood to Renew
    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.
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    I don't see any other service that is so versatile and which offers such a breadth of services.
    Incentivized
    Read full review
    Usability
    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.
    Incentivized
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    It's one of the most easy to use and intuitive platforms. The app is very powerful as well.
    Incentivized
    Read full review
    Reliability and Availability
    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)
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    No answers on this topic
    Performance
    BILL
    Load times can be slow after long use.
    Incentivized
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    No answers on this topic
    Support Rating
    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.
    Incentivized
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    The support team is excellent. They help with any queries.
    Incentivized
    Read full review
    Online Training
    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.
    Incentivized
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    No answers on this topic
    Implementation Rating
    BILL
    I heard from my leadership that it went very well.
    Incentivized
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    The implementation was largely successful. Since this was a large shift from normal practices, we faced a few teething problems, but largely I'd say it went well.
    Incentivized
    Read full review
    Alternatives Considered
    BILL
    1. Automation & Workflow Efficiency.2. Integration Capabilities with other softwaresWe needed a centralized, automated, and scalable solution for managing both payables and receivables. The strong integration with our existing accounting software was a key factor.The platform gave us better visibility and control over cash flow and approval processes.
    Read full review
    Lumanu
    Lumanu allows us
    to send our custom invite URLs with lists of influencers directly into current
    discussions, through a CRM, or through automated emails, and also allows us to
    make content modifications such as merging and rearranging. When creating
    advertising, we can use Instagram story frames as well as change the copy of
    the post.
    Incentivized
    Read full review
    Discontinued Products
    We agreed to select Xoom as the main payment method since it had more flexible options. It gives the user a full guarantee of transacting safely and when there is a conflict the customer support team acts quickly. The charges for sending and receiving money are relatively low as compared to other platforms. The mobile application has biometric login features making it difficult for unauthorized users to access confidential information.
    Incentivized
    Read full review
    Contract Terms and Pricing Model
    BILL
    None, all good.
    Incentivized
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    No answers on this topic
    Scalability
    BILL
    We have multiple locations, and everything works fine.
    Incentivized
    Read full review
    Lumanu
    No answers on this topic
    Discontinued Products
    No answers on this topic
    Return on Investment
    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."
    Read full review
    Lumanu
    • Beneficial to enhance our content and identify influencers.
    • From conception to completion, it simplifies the brand creator connection.
    • To reach new audiences and improve revenue.
    • To develop partnerships with content producers and help spread meaningful material.
    • The solution's data-driven dashboard is updated in real-time and is useful for staying up-to-date on how our efforts are performing.
    • Useful to optimize our general marketing strategies.
    Incentivized
    Read full review
    Discontinued Products
    • We have had an uptick in payment processing times.
    • We receive payments from customers on time with no lag between invoice and payment dates.
    • Overall Xoom has literally added to our bottom line by allowing more than a physical check payment option.
    Incentivized
    Read full review
    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.