AvidXchange vs BILL vs Tipalti: 2025 AP Automation Comparison

Manual AP processes aren’t just inefficient—they can become a liability as your business evolves. Whether you’re using BILL, AvidXchange, or exploring Tipalti for the first time, choosing the right accounts payable solution is a strategic decision that impacts every invoice, supplier, and compliance audit. 

This 2025 comparison outlines how each platform performs in terms of automation depth, scalability, compliance, and total AP control.

What Does AvidXchange Do?

AvidXchange is an automated AP solution for mid-market businesses. The brand is trusted by over 8,500 organizations nationwide and leverages three main functions:

• Automation of the purchase-to-pay process (electronic invoice management)
• Intelligent invoicing 
• Automated payments and approval process

Currently, the company has paid over 965,000 suppliers in the United States. AvidXchange has a variety of positive claims, including:

• 92% of customers say that AP automation solutions save them time
• 90% say the technology enables hybrid work
• 90% have experienced improved employee satisfaction
• 90% of customers state they have improved productivity
• 83% say the solution enables employees to engage in more value-added work

Source: AvidXchange.com

The platform helps increase control with 24/7 visibility into every transaction and payment you make.

What Does BILL Do?

BILL provides cloud-based software to small and mid-sized businesses. The program automates the back-office financial operations with an AI-enabled platform. This drives connections between suppliers and their businesses to help manage cash inflows and outflows.

The platform saves a business time while managing bills, processing payments, and sending invoices. A business gains complete control over AP processes and syncs with all necessary accounting software. Vendors pay with an ACH, and the system is simple to set up.

Some useful metrics on BILL include:

• Over 8,000 accounting firms choose them as a partner
• Customers report saving on average 36 business days annually
• 5.8M network members pay or get paid with BILL
• 460,000 businesses use BILL to automate their finance
• $266B in total payment volume (~1% of US GDP)

Source: BILL.com

Compare Key Features: AvidXchange vs BILL

AvidXchange Features Overview

A small business can expect a multitude of integrations with the AvidXchange platform. The product does not replace your existing accounting software. Instead, it is designed to seamlessly integrate with over 220 popular brand names and accounting systems. The SaaS pairs with high-tech companies like:

• QuickBooks Online
• Sage Intacct
• NetSuite
• MRI Software

Additional features you can anticipate include:

• ACH payment processing
• Mobile payments (iPhone or Android)
• Online payment processing
• Payment processing services integration
• Cash flow management

Pricing

Like most robust payment processors, AvidXchange doesn’t publish pricing on its site. Every cost is a custom quote.  

BILL Features Overview

BILL offers efficient cash management and approval workflows. Additional features include:

• ACH payment processing 
• Debit/Credit card processing
• Electronic signature
• Mobile payments
• Online payment processing
• Recurring billing

BILL Integrations

BILL integrates with large enterprises to streamline the payable process. Some of the main brands include:

• QuickBooks
• Xero
• NetSuite
• Sage Intacct
• Microsoft Dynamics

 Pricing

Unlike AvidXchange, BILL has tiered pricing that is open and transparent. 

Essential – $45/month/user

This is the package that allows a business to easily manage payables and receivables.

• Centralized inbox
• Invoice data capture
• 360-degree vendor info
• Unlimited document storage
• ACH, check, credit card and international wire transfer
• Standard approval policies
• Six standard user roles
• Manually import and export CSV files into accounting software

Team – $55/month/user

• Everything in the Essentials Plan, plus:
• Custom user roles
• Sync with: QuickBooks Pro, QuickBooks Online, QuickBooks Premier, and Xero

Corporate – $79/month/user

• 2-way sync with QuickBooks Online, QuickBooks Pro, Quickbooks Premier, and Xero
• Centralized inbox
• Connect with +4M vendors via the BILL network
• Unlimited document storage
• Custom approval policies and user roles
• Discounts for approver-only users

When to Choose AvidXchange

When to Choose BILL

4 Signs You’ve Outgrown BILL or AvidXchange

While BILL is an excellent choice for small businesses handling manual AP tasks, it can quickly hit its limits as your business grows. Here are four signs it’s time to move up to Tipalti:

1. You’re Paying a Growing Number of International Suppliers
BILL supports international payments, but mainly through wire transfers. Tipalti offers a broader, more scalable solution, supporting payments to 196 countries in 120 currencies via ACH, PayPal, wire, eCheck, and more.

2. Your AP Team Is Drowning in High Payment Volumes
Manual processing doesn’t scale. If your finance team handles hundreds (or even thousands) of payments monthly, Tipalti’s end-to-end AP automation and seamless ERP integrations will eliminate bottlenecks and reduce manual workload.

3. You Need Stronger Internal Controls and Compliance
As your business grows, so does the need for governance. Tipalti offers enterprise-grade controls, including automated approval workflows, audit trails, and fraud prevention tools.

4. Month-End Close and Reconciliation Are Slowing Your Business Down
Tipalti will streamline reconciliation with real-time, in-depth reporting. This will accelerate your financial close, improve accuracy, and reduce the risk of missed or duplicate entries.

Tipalti as A Primary Alternative

The best alternative to BILL and AvidXchange is the Tipalti platform. Tipalti is regulated as a money services business and has US money transmitter licenses (MTLs) in every state that requires them. 

Tipalti is also authorized by the UK Financial Conduct Authority (FCA) as an Electronic Money Institution. This is an essential distinction between Tipalti and other payout providers, especially amidst the collapse of Silicon Valley Bank. 

Tipalti customers gain significant benefits by using our global payments solution over other non-regulated providers. We partner with blue-chip banks Citi, JP Morgan Chase, and Wells Fargo, and have redundancy built in for fast and reliable global payment remittance.

Tipalti eliminates up to 80% of the accounts payable workload and automates the entire payment management process. With automated invoice processing, you can make mass payments to suppliers and partners in any country while cutting costs and waste.

When comparing all three systems, note some of these key differences:

Integrations

Tipalti integrates with any ERP and accounting system, including many popular brands, such as:

• Oracle NetSuite (including OneWorld)
• QuickBooks
• Sage (Intacct, 50, 100, 200, 300, X3, Bright Pearl)
• Xero
• Acumatica
• Microsoft Dynamics 365 (Business Central, F&O, NAV, GP)
• SAP (Business One, S/4HANA, ByDesign, ECC)
• Oracle Fusion
• Workday
• Infor Syteline
• Visibility
• Odoo
• QAD
• IQMS

Click here for more on Tipalti integrations.

Compliance

AvidXchange and BILL do not offer built-in tax features, validation, or regulatory compliance controls. AvidXchange does not collect tax forms. The payer must manage them on their own or rely on an outside tax consultant.

Tipalti offers tax features that meet IRS requirements (as prescribed by KPMG), plus OFAC and other sanctions screening before any payment is processed. Part of the onboarding workflow includes collecting and validating W-9/W-8 tax form data. Tipalti generates 1099/1042-S tax prep files for EOY reporting. They also collect and validate local/VAT tax IDs for non-US countries.

Sanctions Screening

AvidXchange does not come with any proactive OFAC or sanctions screening. That’s because onboarding is done manually by entry-level employees. This puts a business at risk of paying a bad entity on a government blacklist, which can potentially result in frozen accounts. 

Tipalti goes the extra mile and actively screens all payees before every transaction is processed. This helps with regulatory compliance.

Supplier Services

Tipalti is all about self-service, while brands like AvidXchange and BILL trust employees with supplier-sensitive banking details. Avid onboards people through a call center, and details are manually entered into the system.

Tipalti offers a branded supplier portal that’s available 24/7. Vendors can update their contact and banking details all in one spot. The solution has over 26,000 global payment validation rules to automatically verify data in real time. This not only reduces payment errors but also ensures suppliers are always paid on time.

Although BILL offers a supplier portal, there are limited payment options compared to Tipalti. The white-labeled self-service Tipalti portal enables suppliers to perform tasks like:

• Choose the payment method
• Choose currency
• Set thresholds
• View invoice and payment history
• Receive branded notifications

Global Payments

When it comes to international payments, Tipalti streamlines the entire process. They can perform payouts to 196 countries in 120 currencies, using 50+ payment methods. The platform also gives a business advanced payment configuration options like setting thresholds and fee-splitting.

BILL is designed for smaller companies and cannot handle high-volume or complex payment systems. They only offer wire transfers for global payments, which are highly susceptible to fraud. You also have to be based in the United States to make any international payments.

AvidXchange has limited options for global payments and is mostly focused on domestic payments. It recently launched cross-border payments in partnership with Wise – specific to customers on NetSuite ERP only. Cross-border payments comprise a very small component of money flows due to AvidXchange’s geographically centered customer verticals.  

Choosing the Right Fit: What Your Business Needs Next

Choosing the right AP software system really comes down to scale, complexity, compliance, and long-term growth plans.

For organizations that expect to grow and scale internationally, manage rising invoice volumes, and tighten up compliance without expanding headcount, Tipalti is the most future-proof option.

It has remarkable global payments reach, built-in tax and sanctions safeguards, and end-to-end automation that reduces up to 80% of AP workload while ensuring audit readiness.