PayRewards vs. BILL: 2026 comparison guide
BILL bills you per seat. PayRewards pays you per dollar. Pay any vendor by card or ACH and earn up to 2 PayRewards Points per $1, with your own card’s points on top.
- No setup fees
- No monthly or annual subscription fees
- No lock-in
Top 3 reasons to choose PayRewards over BILL
A second points balance
Keep your own card’s points and earn up to 2 PayRewards Points per $1 on top. BILL’s rewards come only with the BILL Divvy Card.
No per-user fees
Every user and every feature is included. BILL plans run $49 to $89 per user per month.
ACH that earns
Bank payments on BILL cost $0.59 each and earn nothing. On PayRewards they earn 1 or 2 points per $1.
PayRewards vs. BILL, feature by feature
Both pay your vendors by card or bank. Only one pays you back on every dollar.
| Feature | PayRewards | BILL |
|---|---|---|
| Subscription | FreeEvery user and feature included | $49 to $89 per user/monthEnterprise is custom pricing |
| Rewards and redemptions | ||
| Points on bills paid with your own card | Yes1 or 2 points per $1 | Rewards only on BILL Divvy Card spend |
| Keep your card’s own points | Yes | Yes |
| Earn points on ACH payments | Yes | No |
| Redeem points to pay invoices | Yes | No |
| Airline transfer partners | Yes | None listed |
| Gift cards | Yes100+ brands | Divvy card only |
| Pay by card | ||
| Pay vendors who don’t take cards | Yes | Yes |
| Card service fee | 2.9% | 2.9% |
| Cards accepted | Visa, Mastercard, Amex | Visa, Mastercard, Amex, Discover |
| Payables | ||
| How vendors get paid | ACH, wire or check | ACH, check, virtual card or international |
| Approval workflows | Yes | Yes |
| Multiple businesses, one login | Yes | YesEnterprise plan only |
| Fees | ||
| ACH payments | 1.75% or 3.25%Every ACH payment earns 1 or 2 points per $1 | $0.59 eachNo points |
| Check delivery | $5 | $1.99 |
| Integrations | ||
| QuickBooks Online sync | YesEvery account | YesTeam plan ($65/user/month) and up |
| Beyond payables | ||
| Receivables and invoicing | No | Yes |
| 1099 filing | No | Yes |
| Security | ||
| PCI DSS compliant | Yes | Yes |
| Multi-factor authentication | YesPlus passkeys | Yes |
As of September 29, 2026. Sources: BILL pricing, BILL Pay By Card, BILL rewards. PayRewards: PayRewards pricing.
See what your bills could earn on top
Same bills. Same card. See how many more points land with PayRewards.
Your PayRewards tier
Core earns 1 point per $1 with a 1.75% fee. Plus earns 2 points per $1 with a 3.25% fee.
Extra points with PayRewards, first year
240,000
on top of the points your card already earns
Bills paid in a year$120,000
Paying through PayRewards: card points plus PayRewards Points360,000 pts
Assumes your card earns 1 point per $1.
Illustrative only. Not financial or tax advice. Card payments on PayRewards carry a 2.9% service fee. The PayRewards fee applies on top when you earn PayRewards Points.
Where your points go
Pay bills. Earn and transfer points to whatever moves you.
The same money you were spending anyway, now redeemable across travel, your team, and the business itself.
Your card's miles
Keep earning airline miles
Pay bills that don't take cards on the card you carry, and keep earning miles with Delta, United and American.
100+ brands
Buy gift cards from the best brands
Shop Amazon, Apple, Target and hundreds of brands, with every point worth its full face value at checkout.
Luxury redemptions
Experiences money can't buy
Work with our concierge team on whatever you want, then redeem for the experiences that money can't buy.
Instant transfers
Transfer points to employees as a reward
Recognize your team the very moment it matters, sending points to any employee instantly and directly.
Invoice redemptions
Pay an invoice with points
Put your points straight back into the business, applying them against your very next invoice or bill.
Transfer PayRewards Points to our airline and hotel partners
With direct transfers, it's easy to fly on PayRewards Points — including U.S. domestic routes.
“PayRewards solved a lot of things for us - cashflow being number one. Now I can upload all my payments at once and know they’ll be paid in two business days. It’s easier, our Vendors are happy, and we’re unlocking travel rewards we’d never have paid for out of pocket.”
Three steps to your payback
-
Make a payment
Add a bill or import it from QuickBooks Online. Pay by card or ACH. Your vendor gets ACH, wire or check.
-
Boost your points
Pick Core or Plus on each payment. Your card earns its points and PayRewards Points land on top.
-
Redeem
Flights, gift cards, invoices, custom redemptions, or points for your team.
What it costs
The card fee is the same as BILL’s, with no per-user fees. The points are optional on card, and every ACH payment earns them.
See full pricing →Service fee
Card payments
Visa, Mastercard and American Express
2.9%
per transaction
Points tier
Core
Earn rewards at a lower fee rate
1.75%
fee per transaction
1 point per $1
POPULAR
Points tier
Plus
Maximize your rewards earnings
3.25%
fee per transaction
2 points per $1
Card payments can skip points and pay 2.9% only. ACH payments carry no service fee and always earn Core or Plus. Fees as of September 29, 2026.
PayRewards vs. BILL: your questions
How do PayRewards fees compare to BILL?
PayRewards has no subscription or per-user fees. Card payments carry a 2.9% service fee, the same as BILL, plus an optional Core (1.75%) or Plus (3.25%) rewards fee to earn points. ACH payments carry the rewards fee and earn 1 or 2 points per $1. BILL charges $49 to $89 per user per month, $0.59 per ACH payment and $1.99 per check.
Do I need a special card to earn rewards on PayRewards?
No. Bring your own Visa, Mastercard or Amex and keep its points. PayRewards Points land on top.
Can I move my vendors and bills from BILL?
Yes. Connect QuickBooks Online to import your bills, then add your payees once.
Does PayRewards sync with QuickBooks Online?
Yes: bill import, payment and automatic reconciliation, on every account. QuickBooks Desktop is not supported.
Does PayRewards do receivables, 1099s or international payments?
Not today. PayRewards is built for payables: paying US vendors by card or ACH, delivered by ACH, wire or check. You can keep BILL for receivables and run your payables through PayRewards.
What can I redeem PayRewards Points for?
Transfer to airline partners, pay your next vendor invoice with points, claim from 100+ gift cards, or request a custom redemption, from tech and golf clubs to a Rolex. You can also gift points to your team.
Is PayRewards secure?
PayRewards is PCI DSS compliant, with infrastructure aligned to ISO/IEC 27001 standards. Accounts are protected by MFA and passkeys, card numbers are tokenized and never stored, and suspicious activity is flagged instantly.
Competitor information is based on publicly available sources as of September 29, 2026 and may change. PayRewards Points are earned and redeemed subject to the PayRewards Terms. Card fees may be tax deductible; consult your tax advisor. PayRewards is offered by PayRewards LLC.
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