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Bill.com vs Square — Which One Wins?
A detailed, side-by-side comparison of Bill.com and Square to help you pick the right tool for your workflow.
TLDR
Quick Verdict
Square takes the lead with a 4.4 rating and is best for brick-and-mortar businesses and restaurants. Bill.com (4.0) is the better pick if you need mid-market finance teams drowning in invoices.
Side-by-Side Comparison
| Criteria | Bill.com | Square |
|---|---|---|
| Rating | ★★★★ 4.0(155) | ★★★★ 4.4(310) |
| Pricing Model | subscription | freemium |
| Starter Price | $45/user/mo | $29/mo (Plus) |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android, Hardware |
| Learning Curve | Medium | Easy |
| API Available | Yes | Yes |
| Best For | Mid-market finance teams drowning in invoices | Brick-and-mortar businesses and restaurants |
| Verdict | Best AP/AR Automation | Best POS Ecosystem |
Feature Checklist
| Feature | Bill.com | Square |
|---|---|---|
| AP Automation | — | |
| AR Automation | — | |
| Invoice Capture | — | |
| Approval Workflows | — | |
| International Payments | — | |
| POS System | — | |
| Payment Processing | — | |
| Invoicing | — | |
| Banking | — | |
| Payroll | — |
Bill.com
Pros
- ✓Excellent invoice capture AI
- ✓Strong approval workflows
- ✓International payments
Cons
- ✕Expensive for small businesses
- ✕Customer support can be slow
- ✕Setup takes time
Square
Pros
- ✓All-in-one ecosystem
- ✓Beautiful hardware
- ✓Easy to set up
Cons
- ✕Higher processing fees than dedicated processors
- ✕Account stability issues reported
- ✕Can freeze funds without warning
The Bottom Line
Both Bill.com and Square are solid tools in the Accounting & Finance space. Square edges ahead with a stronger overall rating (4.4 vs 4.0) and is the better choice for brick-and-mortar businesses and restaurants. However, if you prioritize mid-market finance teams drowning in invoices, Bill.com is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Bill.com better than Square?▼
Square scores higher overall with a 4.4 rating vs 4.0. However, the best choice depends on your specific needs. Bill.com is best for Mid-market finance teams drowning in invoices, while Square is best for Brick-and-mortar businesses and restaurants.
Can I switch from Bill.com to Square?▼
Yes, most users can migrate between the two. Square offers a free tier to test before committing.
Which is more affordable, Bill.com or Square?▼
Bill.com starts at $45/user/mo, while Square starts at $29/mo (Plus). Bill.com offers a free tier. Square offers a free tier.