Not great for cross border business (US / Canada) I'm a consultant (incorporated) in Canada and did not have issues with Bill.com until recently. Historically, payments from customers come through to my Canadian based USD account directly via Cambridge Mercantile. I never had to log in to Bill.com and did not run into any problems. Recently, Bill.com updated their systems for rightful compliance reasons and I have no issues with that. Unfortunately, BILL.com could NOT imagine a scenario where a Canadian Corporation could bill a US customer in US dollars. I can no longer be paid quickly and easily in US dollars as per my contract with a US customer. The 2 solutions for this particular scenario that Bill.com provided were: 1. My US customer would have to manually enter the USD wire details in Bill.com each month (I would not need to create a Bill.com account) >>> My customer does NOT want to do this manual work. 2. I would have to almost use Bill.com as a ‘bank’: a. My customer pays Bill.com in USD for my invoices b. I have to use ‘withdraw’ funds from Bill.com to move payments to my bank account AND pay for the fx fees if changing currencies + Bill.com fees + my own bank's fee to transfer amounts from Bill.com...>>> I do NOT want to do this. I will say, when I reached out to Bill.com, their support was kind and responsive. Ultimately Bill.com for Canadians who bill in USD is not a great solution at this time.

As a freelancer... As a freelancer, invoicing clients on bill.com has been a simple, intuitive, and streamlined process. It keeps all of my bills neatly organized without me having to maintain them myself, especially thanks to their status updates feature that lets me keep track of receivables. I would otherwise miss out on payments if I didn't have that to look back on. Having an email paper trail has also been useful

Open issues The billing system has made a lot of features addition over the period which has made it easy to use. The interface is user friendly and easy to understand. But we have also seen an increase in the prices over the timeline. Also, we still face issue with vendor payments where multiple currencies are involved. I would love to have this feature. It also has some issues with syncing inventory based purchase orders hence the bill relating to the same need to be created in the ERP system and then synced to Bill.com. The feature relating to virtual cards which can be deactivated only when we contact support is another issue.

The AP side is phenomenal The AP side is phenomenal. The AR side needs work. There needs to be an approval workflow just like they offer for AP. And, there should be a way for BILL to process receivables (specifically wires) for international vendors. To the best of my knowledge, the only option is an ACH which only applies to customers with US bank accounts or receive a payment as a credit card transaction.

BILL.com is the future. Bill.com provides the technology to streamline accounts payable and have all invoice history at your finger tips. Everything stays organized and easy to locate. Not to mention it keeps me from having to issue checks myself anymore!