Software Alternatives, Accelerators & Startups

Bill.com VS Stripe Terminal

Compare Bill.com VS Stripe Terminal and see what are their differences

Bill.com logo Bill.com

Your financial operations platform. The intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow—all on one platform.
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Stripe Terminal logo Stripe Terminal

The programmable point-of-sale solution 💳🛠️
  • Bill.com Landing page
    Landing page //
    2025-05-08
  • Stripe Terminal Landing page
    Landing page //
    2023-06-17

Bill.com features and specs

  • Automation
    Bill.com automates many of the repetitive tasks involved in accounts payable and receivable, such as invoice creation, approval workflows, and payment processing. This reduces manual entry and minimizes errors.
  • Integrations
    Bill.com integrates with various accounting software platforms like QuickBooks, Xero, and NetSuite, streamlining financial data synchronization and reporting.
  • Cloud-Based
    As a cloud-based solution, Bill.com allows users to access their accounts and perform tasks from anywhere with internet access, improving flexibility and remote work capabilities.
  • Security
    Bill.com provides robust security features, including encrypted data transmission and storage, role-based access controls, and compliance with industry standards such as SOC 1 and SOC 2.
  • Document Management
    Bill.com offers extensive document management features, allowing users to store and organize invoices, receipts, and other financial documents in a centralized location.

Stripe Terminal features and specs

  • Integration with Stripe Ecosystem
    Seamlessly integrates with other Stripe services, allowing businesses to unify online and offline payments into a single platform.
  • Customizability
    Offers a high level of customization to fit specific business needs, including tailored payment flows and branded receipts.
  • Hardware Options
    Provides a variety of hardware options that cater to different business needs, from mobile card readers to countertop smart terminals.
  • Developer-Friendly
    Includes extensive documentation and SDKs for iOS, Android, and JavaScript, making it easy for developers to build custom POS solutions.
  • Global Availability
    Available in multiple countries with support for numerous currencies, enabling businesses to operate globally with ease.

Possible disadvantages of Stripe Terminal

  • Cost
    Costs can add up with transaction fees, hardware purchases, and potential development expenditures for custom setups.
  • Setup Complexity
    Can be complex to set up and integrate without sufficient technical expertise, potentially requiring developer resources.
  • Limited Offline Capability
    Dependent on internet connectivity for transactions; limited offline capabilities may not suit all business environments.
  • Geographic Limitations
    Despite global reach, some specific features and hardware might not be available in all regions, which can hinder operations in certain countries.
  • Technical Support
    Users report that while support is available, response times can vary, potentially causing delays if issues arise during business hours.

Bill.com videos

Bill.com Review by LedgerGurus

More videos:

  • Review - How the Bill.com Intelligent Business Payments Platform Works
  • Review - Bill.com Review 2025: In-Depth Look at Features & Pricing
  • Review - Bill.com Honest Review - Watch Before Using
  • Review - What is Bill.com - bill.com Review - Bill.com Plans Explained

Stripe Terminal videos

Dev Chats: Stripe Terminal

More videos:

  • Demo - 🔥How to Setup POS Machine Card Reader Using Stripe Terminal | 🔥Working Demo of Successful Payment

Category Popularity

0-100% (relative to Bill.com and Stripe Terminal)
Online Payments
95 95%
5% 5
Money Transfer
100 100%
0% 0
Productivity
0 0%
100% 100
Billing & Invoicing
100 100%
0% 0

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Bill.com and Stripe Terminal

Bill.com Reviews

The Top Alternatives to Bill.com
Bill.com is suitable for slower-growth small businesses with low payment volumes and limited remittances capabilities. The average revenue per customer of Bill.com is $1,500. Therefore, many AP automation capabilities are not available via Bill.com, so you need to manage them manually or outside of Bill.com.
Source: tipalti.com
4 Best Bill.com Competitors And Alternatives (2022)
Plastiq is a simplified and more affordable option compared to Bill.com. They offer a solution for accounts payable and receivable without a sign-up fee, subscription fee, or fees for most transactions. They do, however, charge a 2.85% fee for both credit and debit transactions. This is a key distinction to keep in mind when comparing Plastiq to not only Bill.com, but to...
Source: smbillion.com
Best Accounts Payable Software for 2022
Why we like it: Bill.com offers multiple pricing options, including plans starting at $39 a month, which may make it more accessible for many small-business owners. You’ll get a centralized inbox for receiving invoices. The software can read invoices, capture the data on them and even flag if something looks off. However, you’ll need to upgrade from the lowest-priced plan to...

Stripe Terminal Reviews

We have no reviews of Stripe Terminal yet.
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Social recommendations and mentions

Based on our record, Bill.com seems to be a lot more popular than Stripe Terminal. While we know about 259 links to Bill.com, we've tracked only 10 mentions of Stripe Terminal. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Bill.com mentions (259)

  • Freelancers: Do you allow your clients to pay via card? Processing fees hurt
    I mean.... This is how it is everywhere... You could use bill.com but it still has a monthly fee, however if youre sending multiple invoices like so, the monthly fee is paid for in just 2 clients of yours... Honestly a $66 processing fee for $2K isn't bad... Venmo/Paypal gifted is fee-less but not recommended... Source: over 1 year ago
  • Bank rejected £850 payment from bill.com - both companies saying they can't do anything
    Bill.com have just gotten back to me saying they haven't received the money back (which nationwide said would have only taken 5 days from the 23rd November) and that SWIFT have told them that they did infact have my full name on the transaction and not my initials or anything else (unlike what nationwide told me). Source: over 1 year ago
  • Best campaign platforms for launching an influencer marketing agency?
    What platforms do you use to collect payment from our clients? I was thinking of using bill.com or stripe for now until I find a new method and then pay out the influencers. Source: over 1 year ago
  • What do you use for online credit card processing?
    We use bill.com for both our AP and AR. All online, customer can pay with a link, generates all our monthly invoices automatically, easy to generate and send hardware and project invoices on demand, can be used to pay your vendors as well, syncs with Quickbooks, customers can be set up for auto-pay via credit card (charge to us is 2.9%), you can charge a convenience fee if you want. Customers can also pay via ACH... Source: almost 2 years ago
  • 6 Figures International Wire Transfer To BPI Concern
    My employer uses bill.com to process salaries so its thru SWIFT Wire Transfer. Source: almost 2 years ago
View more

Stripe Terminal mentions (10)

  • Stripe Terminal iOS & Android SDK
    Hey, I'm creating a POS system and want to integrate Stripe Terminal for accepting in-person payments. I need to have offline capabilities so the server-driven integration is no option sadly. So I'll need to use their iOS & Android SDK's. Can anyone help me with this? Or tell me how to integrate two SDK's into a flutter app? (I'll probably be using the BBPOS WisePad 3). Source: about 2 years ago
  • Gesture-based payments
    Finally, using gestures solely would only work if a customer is part of a program that already possesses their credit card details. If a gesture is not used as a confirmation input but as the payment method itself, we need some way to match payment details to this gesture and this user. For example, let’s imagine that a customer wants to pay with gestures that they trained on their smartwatch. We could imagine a... - Source: dev.to / over 2 years ago
  • Making a point of sale app
    The short answer here is: there's companies which will provide you a cloud API to interact with a card reader they provide, and that's the least awful way to use one. These include Stripe (https://stripe.com/terminal), Square (https://squareup.com/us/en), SumUp (https://sumup.com/), and going towards the enterprise end, things like Adyen (https://www.adyen.com/pos-payments). Source: over 2 years ago
  • Can I integrate Stripe terminal with my POS system?
    We'd love to have you! Make your way to stripe.com/terminal and go through the docs. There's a nice sample that uses a simulator to show you how to get it done. Source: about 3 years ago
  • Apple unveils contactless payments via Tap to Pay on iPhone
    Stripe does have a physical terminal too (https://stripe.com/terminal) but I've never seen it at a merchant. - Source: Hacker News / over 3 years ago
View more

What are some alternatives?

When comparing Bill.com and Stripe Terminal, you can also consider the following products

Zoho Invoice - 100% free online invoicing software for small businesses.

Square Register - A fully integrated point of sale (POS) system 💰

Wise - Currency exchange Banks and other providers could charge you up to 5% in hidden costs when sending ...

Shopify Tap & Chip Reader - Mobile POS hardware that connects to the rest of Shopify

The Invoice Machine - The Invoice Machine is an online invoicing service with a simple and elegant user interface.

Stripe Elements - Beautiful, smart checkout flows 💳💸