# BILL AP & AR Business Payments — user reviews > 246 indexed App Store user reviews of BILL AP & AR Business Payments by Bill.com, Inc., rated 4.90/5 from 48,752 ratings. - Source: https://appshunter.io/ios/app/bill-ap-and-ar-business-payments/id980353334/reviews - App overview in markdown: https://appshunter.io/ios/app/bill-ap-and-ar-business-payments/id980353334.md - Rating breakdown: 5★ 44,281 · 4★ 3,398 · 3★ 415 · 2★ 125 · 1★ 533 ## What do users think of BILL AP & AR Business Payments? Overall sentiment: negative **Pros** - 🚀 Efficient bill payment - 👍 User-friendly interface - 🚀 Convenient for on-the-go approvals - 👍 Helpful for tracking payments **Cons** - 🐛 Login issues, especially for non-US users - 🕰️ Slow payment processing times - 🤖 Poor customer service and lack of phone support - 🔒 Security concerns with account verification - 🤷‍♀️ Inconsistent app functionality compared to website **Commonly reported bugs** - App crashes and freezes - Inability to edit or delete invoices - Verification email issues - Inconsistent behavior between app and website **Most requested features** - Ability to view invoice status (sent, approved, paid) - Improved notification system for new bills - Bulk approval/payment options - Support for more payment methods and currencies ## Newest reviews (19 of 246) ### 4/5 — If you hate your phone you’ll love this app… *2026-07-10, version 3.111.0* Because I guarantee you that you’ll smash it out of frustration. ### 3/5 — Works, but with an annoying UI *2026-06-27, version 3.110.0* There several screens in the app, especially when creating splits, where there is no Save option, only Cancel or an X. This is confusing and in some cases what I entered does not save and I have to repeat the process. Please add a Save function everywhere people enter details. ### 2/5 — This app sucks *2026-06-23, version 3.110.0* When you add a vendor (people you hire), it doesn’t even automatically recognize that that person is already on the platform. So it doesn’t send out any new email for him to receive the money. They just hog on to your money on this app. Can’t believe this is happening ### 1/5 — NOT USER FRIENDLY *2026-06-13, version 3.109.0* Customer MADE me sign up for Bill Ap for payment…OKAY???? Got an email that System gave me 24 hours to sign up if not check got sent in the mail…. Uhm I guess. Hey what if I sign up for ACH maybe that’ll speed up the process. Simple. Right? 2 weeks later no Check and still being forced to login to a laptop to upload documents for an ACH account 🤦🏽‍♂️I will neither recommend or accept this type of payment from customers moving forward ### 1/5 — Your Money Held Hostage *2026-06-12, version 3.109.0* Love how they sit on your incoming deposits long enough to make giving them a cut to get it “instantly” is the only serious option. Way to hold your customers money hostage. I guess the app is fine, functions, good job developers. The practices and business model of the company or suspect. ### 1/5 — So clunky *2026-06-09, version 3.109.0* Every time one of my clients sends me a link to bill.com to get paid I’m miserable. Can’t even really sign into the app. Because password reset doesn’t work processing times. Are ridiculously long. There’s almost nothing. I find convenient or pleasant about this app. ### 1/5 — Do not use *2026-05-08, version 3.106.0* The worst billing system and customer service I have ever used. My money is apparently stuck there and no way to make a bank transfer. ### 1/5 — Register and Log In *2026-04-23, version 3.106.0* I just registered an account on the website, then downloaded the app and tried to log in. However, no matter how long I tried to log in, it kept saying that my account and password did not match. I tried to change the password, but I was still stuck in the endless loop of logging in. I don't understand how the developers tested this in the first place. I have never thought a program could be so complicated. ### 1/5 — They charge you fees for everything. *2026-04-21, version 3.106.0* They charge you fees for everything. If someone pays you via debit card you get a ridiculous fee. Greedy company. ### 1/5 — Absolutely useless. *2026-04-21, version 3.106.0* Crashes whenever I try to login. I've done everything imaginable to confirm my information is correct on their website, which works fine, then the moment I try to login to the app it says it's incorrect. ### 1/5 — Can’t log in *2026-03-27, version 3.103.0* Unable to log in, after resetting my password. Deleting and installing the app again.. still no luck. Sort it out!! How can you expect companies to use such a rubbish app ### 1/5 — Horrendous. No human support *2026-03-20, version 3.102.0* It’s been awhile since I truly had so much negative emotions toward an app. No live support, no one in chat. I work with multiple companies and can’t add anymore than one, stupid app and the site never remember me always have to log in and input the stupid message code. Hate you, with all my heart. No one to help. One star filly deserved ### 2/5 — This payment system still stuck in the ACH Era *2026-03-15, version 3.102.0* It’s frustrating that in 2026 this platform still relies on the outdated ACH banking system. Payments pause on weekends, transfers take days, and if you want faster access to your own money you’re pushed to pay additional fees. In an era where modern payment networks and crypto can settle transactions instantly and operate 24/7, relying on slow ACH batch processing feels extremely outdated. Businesses need real-time financial tools, not systems that stop working on weekends. ### 1/5 — Can’t login outside of US *2026-03-15, version 3.102.0* Only learned this was an issue for everyone else in Canada too until reading reviews. I tried resetting my password several times. Website is fine but app just doesn’t understand your logic credentials if you love in Canada. No where does the Bill site or app mention this insane idiosyncrasy. ### 1/5 — App won’t log in *2026-03-11, version 3.101.0* I have a functioning account on my laptop. The app will not accept my log in credentials and customer service wants sensitive information just to help troubleshoot log in. Multiple attempts of deleting and downloading the app and chats with CS have been unfruitful. Expenses would be a lot easier if could do via phone. ### 1/5 — Invasive and Exhausting Verification Process *2026-03-11* I tried to create an account on this app for one simple reason: to receive a $3,000 payment. Instead, it turned into an exhausting and invasive process. Since signing up, they have been calling me every single day asking for an excessive amount of sensitive information just to activate the account and process the payment. They requested a bank statement, company formation documents, a government-issued ID, a selfie holding the ID, and even additional verification documents. I understand that security checks exist, but this felt completely disproportionate for someone who is simply trying to receive a legitimate payment. What made it worse was the constant pressure. The daily calls and repeated requests made the whole experience feel stressful and unprofessional rather than secure. A payment platform should make things easier, not turn a basic transaction into an administrative nightmare. I would not recommend this app to anyone who values their time, privacy, and peace of mind. ### 1/5 — This is beyond my frustration zone *2026-03-07* As one user mentioned her pay was defaulted to virtual card yes that happened to me also. While navigating this website I found myself deep into researching every article only because there are no links to take you to what you’re looking for only step by step tutorials on how to. I finally figured out how to set up a bank account to receive direct deposits and now I wait to have it verified. It has been 9 business days and STILL WAITING! Each day I have to request a phone call via chat. Yesterday 12 hours later they call at 10 PM only to hang up! I have thousands of dollars on virtual cards that are going to expire in days then you wait for a check to come via mail in 10 business days. So now I have to move money around so I’m not overdrawn. Finally, I spoke to someone and he agreed that is too long to wait and suggested I try the process again. And this is supposed to be user friendly, I’m user frustrated. ### 1/5 — Awful App *2026-03-03, version 3.100.0* This app is worthless. Doesn’t work from a phone which pretty much defeats the purpose. You cannot add a bank account. It will keep taking you in a circle and requiring you to login. Can’t get anyone on the phone. What a piece of trash. ### 1/5 — Bad app *2026-02-19, version 3.99.0* This app is not worth it. You pay for nothing. It doesn’t let you add your bank account or your debit card. They have a “virtual assistant” that doesn’t help at all, and contacting a real person is literally impossible. Don’t buy it. ## Most critical reviews (10 lowest-rated) ### 1/5 — No *2026-08-18, version 3.115.0* Literally awful Can’t connect my bank even after being prompted to sign in over 12 times ### 1/5 — Not easy to use *2026-08-15, version 3.115.0* Had to reverify every step of the way. At some point it just stopped working. Surprisingly difficult. ### 1/5 — Mike *2026-07-30, version 3.111.0* By far the worst system ever. Usually, apps are developed to make your job easier, not with this joke app. The only reason I signed up with them, it’s because the vendor uses their program to pay us. 5 business day pay turned into 16 business days, why? Because Bill.com forgot to contact me and let me know that payment is not going through because the verification process was never done, which I didn’t know there was. They are super slow to answer their emails and resolve your issue. I stopped working with the vendor because of this platform. ### 1/5 — Can’t Recommend It *2026-07-28, version 3.111.0* I’m in the process of using it to receive a payment from a customer. It’s been over a week and still no payment. Message center isn’t easy to navigate also. ### 1/5 — almost as bad as Deluxe *2026-07-21, version 3.111.0* these companies prey on workers to charge them for letting your wages pass through them. if you let them hold on to your money to make interest then they don’t charge you but if you want to ‘immediately’ then you have to pay them for ‘their’ lost revenue. and the software is buggy. i use Found - integrated bank and bookkeeping. ### 1/5 — Functionality clear as mud *2026-06-25, version 3.110.0* I am an independent contractor and one of my vendors uses this as the conduit for payment. All I want is to know when the money is available and how I can transfer it into my checking account. I have a feeling that most of the people who use this app are in the same position. Cluttering it with all kinds of accounting terms and ambiguous options is misleading and frustrating. What’s worse, is that there was a glitch with Citi tonight, and I could not tell whether the money had been transferred or not. Awful. ### 1/5 — The worst *2026-06-24, version 3.110.0* Only using it because I have no choice with some clients. On the other hand, if you want to spend hours screaming into the void while failing to be able to do basic functions, you’ll love this app. ### 1/5 — Don’t use *2026-06-22, version 3.109.0* I had to use this to collect one payment from a customer… Worst experience ever. I needed to submit my W9, and it said to simply reply to this email with it… Never has there been a more incorrect statement made. I did that, but it was much more complicated than that, and wasted hours of my life. ### 1/5 — Good tool, terrible customer service *2026-06-18* A friend’s accountant suggested that I try them. The tool itself seems intuitive and works well though payment appears to be a little slow. However, when new to the system and trying to reach the Main customer service, it took four days for them to respond. Because I Chose the highest cost plan I found I fully assumed, with my limited needs, it would not ever cost more. The Accountant said make me a user for a minute and I will go an update a couple of things to help you out. It doubled my bill for a one time login. I said hey, is there any chance you could help me a little bit as I’m running this for a nonprofit so the delta I have to pay for personally , I got the standard no sir that’s not how our policy is written you added the second person, even though she logged in one time there will be no help or relief on bill. If their customer service would’ve responded in a timely fashion, I wouldn’t have had to use this other option. ### 1/5 — 1st Review I’ve Ever Written, HORRIBLE APP AND WEBSITE *2026-06-15, version 3.109.0* Keep in mind I’m 24 and have used technology since I was 6 years old. This application, and their online website to match, are by far the worst designed sites I’ve ever had to use. They do not care about accessibility for customers, nor do they care about ease of use. I am convinced the site and App are designed this way to take peoples money from them. Customer service is terrible, helped by a robot rather than a person. It feels like I had to give more personal info to set up an account than when I made an actual bank account. ## Most praised reviews (10 highest-rated) ### 5/5 — Great *2026-05-11, version 3.107.0* Highly recommend ### 5/5 — App does not disappoint *2025-10-29, version 3.86.0* Bill has completed and processed payments on time for me no complaints ### 5/5 — Update and smiles. *2025-10-08, version 3.83.0* I gave a suggestion for a button action and days latter it was fixed. They got back to me promptly and was really nice. I love the app even more now. ### 5/5 — Essential App - Travel Ready *2025-02-20, version 3.51.1* We use this app daily. It allows us to be anywhere and handle our AP. Great app and interface. ### 5/5 — Very easy to use *2025-02-19, version 3.51.1* Very smooth on boarding process and very easy to submit invoices ### 5/5 — Bill *2025-02-19, version 3.51.1* Highly recommend Bill 🔸 ### 5/5 — Great app that keeps getting better *2025-02-13, version 3.51.0* Love that I can edit bills now. Makes it easy! ### 5/5 — Solid App, really try to upsell with quicker payment for a pretty high fee…a little sleazy. *2024-02-04* They do a solid job processing payments, and the app is very easy to use. I like it a lot. They hold payment for three days however, unless you pay 1%, which is a lot for many of my invoices. This is a pretty high fee for just getting it done a little quicker - it’s all automated, so this is just an intentional way to wring more money out of small companies. **Developer response:** Thank you for your valuable feedback! We are thrilled that our app has been easy to use and that it has been working for processing payments. We have passed along your feedback about our Instant transfer service to our product team. Please continue to provide us with your feedback as we are always working hard to improve the app for our users. ### 5/5 — Great Product but no place to provide feedback *2023-09-27* I have used bill on the web for 5 years and very frequently and would like to make a few suggestions from time to time. Please provide a way to do that. You used to have it. **Developer response:** Thank you for your 5-star review, Harold. We greatly appreciate your feedback. To leave suggestions for improvement, please sign into your BILL account and go to the bottom of the page. There, you will find an option to leave feedback. Simply click on it, and a pop-up will appear where you can provide your suggestions. If you need any assistance, please visit our website at https://help.bill.com/hc/en-us to request a call, chat, or email from our customer support team. Thank you again for your feedback. ### 5/5 — Great small business app for invoices and keeping track of receipt’s. *2023-06-01* This is a great app for small businesses, makes invoicing customer’s very simple and easy to do. The only problem I’m having now is I can not operate my business through this app no longer because it will not give me access unless I get the updated version. I’ve been trying to update the app but I’m not able too 😢. Wish this could get fixed. **Developer response:** Tyrie, we're sorry to hear about this experience with our app, we’d love to help out if you're still experiencing any issues. Please do not hesitate to contact our team directly by taking the following path: Log into your BILL account and navigate to Support (lower left-hand corner) and then type in your question in the bot that will appear in the lower right-hand corner. After typing in your question, please select contact support. Thanks again and we look forward to helping you! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*