BILL Holdings Inc
bill.comBILL Holdings Inc (NYSE: BILL) is a financial operations software company that provides cloud-based accounts payable, accounts receivable, spend management, and payments automation for businesses. Revenue comes from two primary streams: subscription and transaction fees, which totaled $1.30B in FY2025 (fiscal year ended June 30, 2025), and interest on funds held for customers, which contributed $161.8M in FY2025. Total revenue reached $1.46B in FY2025, up 13% year-over-year. The platform processed $329.8B in total payment volume across 121.3 million transactions in FY2025. BILL integrates with accounting software including Intuit QuickBooks, Oracle NetSuite, Sage Intacct, Xero, and Microsoft Dynamics 365 Business Central via APIs, creating switching costs through two-way data synchronization. The BILL Divvy Card, a business-purpose charge card issued through partner banks Cross River Bank and WEX Bank, anchors the spend and expense management product line. BILL competes in the small and mid-sized business financial software market.
Products & Services
Accounts payable automation, accounts receivable automation, spend and expense management software (BILL Spend and Expense), BILL Divvy Card (business-purpose charge card), payments processing, and integrations with QuickBooks, NetSuite, Sage Intacct, Xero, and Microsoft Dynamics 365 Business Central.
Revenue Model
Subscription and transaction fees ($1.30B, 89% of total revenue in FY2025) plus interest earned on funds held for customers ($161.8M, 11% of total revenue in FY2025). Transaction fees scale with payment volume; the platform processed $329.8B total payment volume in FY2025.
Customers & Markets
Businesses using the platform for accounts payable, accounts receivable, and expense management. The BILL Divvy Card targets spending businesses seeking corporate card and budget management capabilities. Customer support is delivered via chat, email, phone, and AI-assisted interactions through the BILL Virtual Assistant.
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