# BILL

> Source: https://docs.barcoder.ai/docs/wallets/bill-com
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [BILL (Bill.com) — official](https://www.bill.com/)

## Overview

**BILL** (formerly **Bill.com**) is a **US SMB financial-operations platform** spanning **accounts payable/receivable, spend & expense management, and business payments** <sup>[1][1], [United States report](https://docs.barcoder.ai/docs/payments/US)</sup>. It automates bill pay, invoicing and approvals and is distributed heavily through **accounting firms and ERP integrations**, making it a backbone for small-business back offices. With its **Divvy** acquisition it added corporate cards + spend management, competing with **[Ramp](https://docs.barcoder.ai/docs/wallets/ramp)**, **[Melio](https://docs.barcoder.ai/docs/wallets/melio)** and **[Tipalti](https://docs.barcoder.ai/docs/wallets/tipalti)**.

BILL trades on the **NYSE (BILL)** and rebranded from "Bill.com" to "BILL" as it broadened beyond AP into a full financial-operations suite.

## History

**2006 — Bill.com founded** by **René Lacerte** to digitize SMB accounts payable <sup>[2][2]</sup>.

**2019 — NYSE IPO** as Bill.com Holdings.

**2021 — Acquires Divvy** (~$2.5B, spend/expense management + corporate cards) and **Invoice2go** (SMB invoicing), broadening the platform.

**2022 — Rebrand to "BILL"** (BILL Holdings, Inc.) reflecting the broader financial-operations suite <sup>[2][2]</sup>; continued AP/AR + spend growth through 2025.

## Ownership & operator

**Operating entity**: **BILL Holdings, Inc.** (NYSE: BILL).

**Founder**: **René Lacerte**.

**Regulators**: **FinCEN** + **state money-transmitter** regimes for money movement.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Web + mobile app + accounting-firm/ERP integrations + API |
| **Identifiers** | Vendor/customer bank accounts + cards (Divvy) + email-based onboarding |
| **AP/AR** | Bill pay, invoicing, approvals, payments (ACH, check, card, virtual card) |
| **Spend management** | Divvy corporate cards + budgets + expense controls |
| **Customer focus** | SMBs + accounting firms + mid-market |

## Implementations & partners

**Operator**: **BILL Holdings, Inc.**

**Products**: BILL AP/AR + **Divvy** (spend/expense + cards) + Invoice2go (invoicing).

**Distribution**: deep accounting-firm channel + ERP/accounting integrations (QuickBooks, Xero, NetSuite, Sage Intacct) + bank partnerships.

**Competitors**: **[Ramp](https://docs.barcoder.ai/docs/wallets/ramp)**, **[Melio](https://docs.barcoder.ai/docs/wallets/melio)**, **[Tipalti](https://docs.barcoder.ai/docs/wallets/tipalti)**, AvidXchange, Stampli.

**Regulators**: **FinCEN + state money-transmitter regimes**.

## Status

**Active**, a leading US SMB financial-operations platform <sup>[1][1], [2][2]</sup>:
- **BILL Holdings, Inc. (NYSE: BILL)**, founded as Bill.com by **René Lacerte**.
- AP/AR + spend management (Divvy) + invoicing (Invoice2go).
- Deep accounting-firm + ERP distribution.
- **FinCEN + state money-transmitter regulated**.

## Sources

[1]: https://www.bill.com/ "BILL (Bill.com) — official"
[2]: https://en.wikipedia.org/wiki/BILL_Holdings "BILL Holdings — Wikipedia"
[us-cro]: https://docs.barcoder.ai/docs/payments/US

- [1] [BILL (Bill.com) — official][1]
- [2] [BILL Holdings — Wikipedia][2]
- <sup>[United States report](https://docs.barcoder.ai/docs/payments/US)</sup> In-corpus: see US country report

## Source

Biography extracted from [bill-com.md](https://docs.barcoder.ai/source/wallets/bill-com). See `matrix.md` for standards-support matrix if present.