BILL AI

AI accuracy powered by a trillion dollars of experience

We've been building AI in finance long before it was mainstream, and we're not slowing down. BILL AI is built into how you work, freeing you from the mundane so you can focus on the momentous.

Dynamic. Accurate. Trustworthy.

Built on experience. Powered by expertise. With AI that works where you do, you get powerful, intelligent financial automation to transform your business.

Introducing BILL AI agents

With BILL, AI is not a siloed tool. It’s embedded where your work actually happens. By tapping into BILL’s deep data history, BILL AI agents deliver accuracy across processes, payments, and customer support—with scale and security that no one else can touch.

 

BILL W-9 Agent

The first of its kind in our industry, the W-9 Agent autonomously emails your vendors to collect and enter W-9s—eliminating over 80% of the manual steps involved.

 

BILL Reconciliation Agent

Completes transactions for you, adds more context to purchases, and makes expense reports effortless.

Even more AI features


We're also introducing new AI-powered features for faster setup and smarter spend policies, and
BILL Assistant for instant, personalized support

BILL has been using AI for years

to power financial automation

 

Accelerate payment processes

Our AI is designed to understand and predict based on how you use BILL. Giving you faster, more accurate vendor search. Improved invoice predictions for repeat vendors. And streamlined invoicing by extracting and coding data in seconds to automatically flag duplicates and improve tracking.

 

Streamline expense management

AI-powered auto-categorization and receipt matching helps reduce manual data entry, improve accuracy, and all but eliminate incomplete expense reports. So you can eliminate costly errors and close your books in record time—every time.

 

Improve fraud protection

Predictive AI monitors your transactions in real time to detect suspicious activity and stop fraud in its tracks—while minimizing false positives. And with our intelligent approach to vendor onboarding and validation, you can safely add vendors with confidence.

Smiling woman at table in a modern office using laptop, with "Payment submitted" notification overlayed.
 

BILL Accounts Payable

A smartphone and tablet displaying a BILL dashboard for Marketing, a BILL Divvy Card sits in front.
 

BILL Spend & Expense

Two people on an orange couch in front of large windows discuss a document with graphs.
 

Accounting firms

Future Innovations

The start of unstoppable

 BILL is reshaping how businesses move, manage, and maximize their money.

The future of finance is intelligent.

AI agents are here.
More are on the way.

The BILL AI agents are here to help you cut busywork—and we’re just getting started. There are more ways to amplify your impact already in the works, with accuracy you can trust and control that stays in your hands.

Leave the manual baggage.
BILL has travel plans.

Managing travel spend can be ‌messy—lost receipts, manual uploads, and over-budget bookings. Next stop: more intelligent tools aimed to make business travel effortless for employees and stress-free for admins.

Global scale.
Local simplicity.

BILL already powers payments to 130+ countries and moves over 1% of US GDP. The next chapter: making it as simple for businesses to pay and manage vendors around the world as it is to do business next door.

The future of finance is intelligent

Delete busy. Amplify intelligence.

Finance for the Fortune 5 million

“We engage with over 300 vendors, and handling W-9 collection costs us time and resources—it’s a tedious and manual process with all the follow-ups and validations. The BILL W-9 Agent has introduced an innovative way to streamline how we engage with vendors. We see great potential for it to enhance our W-9 collection process for our growing fitness operations and are excited to implement it.”
Ellie Schad
Senior Accountant
Easy Mile Fitness
“Before BILL’s W-9 Agent, collecting and validating 1,500 W-9s was an endless cycle of manual follow-ups and back-and-forth emails. It drained capacity from our team and slowed down onboarding for new vendors. Now BILL’s W-9 Agent is a complete game changer by automating the entire process by chasing, validating, and organizing forms with zero friction. It will save us a full quarter of work, and let our team stay focused on driving exceptional value for our clients.”
Eric Cohen
Head of Technology
Hiline

AI resources

Learn why nearly half a million businesses trust BILL AI.

 

Financial intelligence is more than just the end of busy. It’s the start of unstoppable.

The Fortune 500 have the tools and teams to win. The Fortune 5 Million—the small and midsize businesses driving our communities and national economy—don’t. BILL exists to change that.

 

The 2025 BILL Report: Building the Future of Finance

AI and automation reshape business priorities, says 2025 BILL Report, showing SMBs use AI to boost cash flow, fight fraud, and navigate economic uncertainty.

 

Experience hands-free accounts payable with BILL AI

Discover how AI in accounts payable can automate invoice processing, reduce errors, and improve efficiency, saving time and money for your business.

Frequently asked questions

BILL has been leveraging AI technology for years, well before it became mainstream. AI isn't just a flashy feature—it's an important business technology that works best when it's embedded at the platform level. So we're continuing to invest in AI, the same way we've invested in automation, to bring our customers the latest, most advanced technology that will help them save time, mitigate risk, and grow their businesses how they want.

BILL has been leveraging AI technology for years, well before it became mainstream. AI isn't just a flashy feature—it's an important business technology that works best when it's embedded at the platform level. So we're continuing to invest in AI, the same way we've invested in automation, to bring our customers the latest, most advanced technology that will help them save time, mitigate risk, and grow their businesses how they want.

BILL AI is designed to support, not replace, accountants.

Today’s finance professionals are more than book closers—they are strategic partners, growth enablers, and trusted advisors. BILL AI handles repetitive tasks like data entry and invoice processing, freeing up time for high-impact work like strategy, analysis, and decision-making.

In fast-paced environments, accuracy and compliance are critical. BILL AI keeps humans in control, ensuring trust and oversight remain intact.

It’s not about replacing the accountant—it’s about elevating the role. With BILL AI, finance teams work smarter, move faster, and add more value than ever.

BILL AI is designed to support, not replace, accountants.

Today’s finance professionals are more than book closers—they are strategic partners, growth enablers, and trusted advisors. BILL AI handles repetitive tasks like data entry and invoice processing, freeing up time for high-impact work like strategy, analysis, and decision-making.

In fast-paced environments, accuracy and compliance are critical. BILL AI keeps humans in control, ensuring trust and oversight remain intact.

It’s not about replacing the accountant—it’s about elevating the role. With BILL AI, finance teams work smarter, move faster, and add more value than ever.

BILL takes data privacy and security extremely seriously. Our use of AI adheres to the same strict security and data privacy requirements that all our sensitive data adheres to. For more information, feel free to check out our privacy notice and Security Center.

BILL takes data privacy and security extremely seriously. Our use of AI adheres to the same strict security and data privacy requirements that all our sensitive data adheres to. For more information, feel free to check out our privacy notice and Security Center.

Think of an AI agent as a digital coworker. It has a goal or objective, can sense its environment, plan actions, use tools or APIs, and operate independently. Like a human colleague, it knows when to escalate questions or defer decisions/tasks when appropriate.

Think of an AI agent as a digital coworker. It has a goal or objective, can sense its environment, plan actions, use tools or APIs, and operate independently. Like a human colleague, it knows when to escalate questions or defer decisions/tasks when appropriate.

BILL has used AI for years. Here are some of the ways we continue to put it to work.

Accounts Payable AI

Invoice data extraction:

BILL AI identifies and extracts critical data from invoices—like vendor name, email, and invoice number—and uses it to auto-populate your digitized bill and simplify new vendor profile creation.

Duplicate invoice detection:

BILL AI will warn you if a duplicate invoice exists, so you can avoid accidentally paying the same bill twice.

Missing bill detection:

BILL AI provides your payment history to highlight potential missing bills, helping to prevent late fees.

W-9 creation:

Upload a W-9 for a vendor and BILL AI will extract the data and add it to the vendor’s record. You still maintain complete control—just review, add info, make edits if needed, and save.

‍Expense management AI

‍Auto categorization:

BILL AI helps code transactions—auto-populating categories in expense transactions, analyzing the merchant, transaction information, and the history of selections—to save reconciliation time and improve accuracy.

BILL has used AI for years. Here are some of the ways we continue to put it to work.

Accounts Payable AI

Invoice data extraction:

BILL AI identifies and extracts critical data from invoices—like vendor name, email, and invoice number—and uses it to auto-populate your digitized bill and simplify new vendor profile creation.

Duplicate invoice detection:

BILL AI will warn you if a duplicate invoice exists, so you can avoid accidentally paying the same bill twice.

Missing bill detection:

BILL AI provides your payment history to highlight potential missing bills, helping to prevent late fees.

W-9 creation:

Upload a W-9 for a vendor and BILL AI will extract the data and add it to the vendor’s record. You still maintain complete control—just review, add info, make edits if needed, and save.

‍Expense management AI

‍Auto categorization:

BILL AI helps code transactions—auto-populating categories in expense transactions, analyzing the merchant, transaction information, and the history of selections—to save reconciliation time and improve accuracy.

Our first agents will transform how SMBs complete critical business tasks, paperwork, documentation, and onboarding of vendors. On the spend and expense side, our agents will give businesses touchless receipts that reconcile themselves. We are also building new agents that provide additional security to keep money safe and flowing faster. And that is just the start with additional agents to come.

Our first agents will transform how SMBs complete critical business tasks, paperwork, documentation, and onboarding of vendors. On the spend and expense side, our agents will give businesses touchless receipts that reconcile themselves. We are also building new agents that provide additional security to keep money safe and flowing faster. And that is just the start with additional agents to come.

Agents work where you are across your workflows. BILL reimagines AI—not as a tool siloed on our platform, but as an integrated part of where work actually happens.

In addition, BILL has greater scale and data richness. BILL AI delivers unparalleled accuracy by leveraging rich historical data across a broad range of workflows, software, and payments at unmatched scale.

Agents work where you are across your workflows. BILL reimagines AI—not as a tool siloed on our platform, but as an integrated part of where work actually happens.

In addition, BILL has greater scale and data richness. BILL AI delivers unparalleled accuracy by leveraging rich historical data across a broad range of workflows, software, and payments at unmatched scale.

To learn more about BILL Agents, continue to check on this page. We will also be sending out AI updates in our monthly newsletters.

To learn more about BILL Agents, continue to check on this page. We will also be sending out AI updates in our monthly newsletters.

Smash the status quo
with BILL AI

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