BILL vs Square
BILL
Accounts payable, receivable, and spend management for small businesses
From$0/user/mo
Spend & ExpenseVerified Sep 25, 2026
Square
Point of sale and payment processing for restaurants, retail, and services
From$0/mo
FreeVerified Sep 26, 2026
How they differ
| Feature | BILL | Square |
|---|---|---|
| Entry price | $0/user/moSpend & Expense | $0/moFree |
| Free plan | Yes | Yes |
| Free trial | Not stated | Not stated |
| Invoicing & payments | ||
| Accounting & bookkeeping | — | |
| Point of sale | — | |
| Suits | plumbers, HVAC companies, electricians, roofers, landscapers | restaurants, salons & spas |
Users on the horizontal axis. Entry plans only, from verified prices; yearly prices divided by 12; vendor minimums applied. Taxes and add-ons excluded.
BILL
Strengths
- Spend & Expense product carries no monthly subscription fee
- Automates approval workflows for accounts payable and receivable
- Syncs with QuickBooks Online and Xero rather than replacing them
Drawbacks
- AP/AR per-user pricing adds up for a larger office staff
- Enterprise-level AP/AR pricing is quote-only
Square
Strengths
- Free plan with no monthly fee; only pay processing fees per transaction
- Works across restaurants, retail, and appointment-based services
- Paid Plus and Premium tiers add more advanced features
Drawbacks
- Exact Plus/Premium subscription prices and processing rates are not published as static text (the pricing page loads them dynamically)
- Custom pricing (Square Pro) only kicks in above $250,000 in annual processing volume
Frequently asked questions
What do BILL and Square have in common?
Both cover invoicing & payments.
Is BILL cheaper than Square?
On entry plans for one user, BILL costs $0 a month and Square $0. The gap changes with team size and billing terms; see the chart above.