Key Takeaways
- BILL.com excels at payment workflows, approval chains, and vendor payments
- Kynthar excels at document extraction, semantic search, and anomaly detection
- BILL.com charges $45-79/user/mo; Kynthar is $249/mo flat (unlimited users)
- BILL.com requires per-user licensing; Kynthar has no seat limits
- These tools can work together: BILL for payments, Kynthar for document intelligence
Quick Comparison
Choose BILL.com if you need:
- Multi-level payment approval workflows
- Vendor payment portal (ACH, check, virtual card)
- QuickBooks/Xero/NetSuite sync
- Invoice scheduling and payment automation
- Accounts receivable (AR) invoicing
Choose Kynthar if you need:
- Same-day setup (5 minutes via email)
- Flat monthly pricing (no per-user fees)
- Email ingestion (no manual uploads)
- 5-way matching (invoice-PO-receipt-contract-delivery)
- Semantic search with natural language queries
Feature-by-Feature Comparison
Where each platform shines
| Capability | Kynthar | BILL.com |
|---|---|---|
| Primary Function | Document extraction + search | Payment workflows + AP automation |
| Payment Processing | Not available | ACH, check, virtual card, international wire |
| Approval Workflows | Basic via webhook | Multi-level, role-based, customizable |
| Document OCR | AI-powered extraction (invoices, POs, receipts) | Basic OCR with manual review |
| Setup Time | 5 minutes (email forwarding) | 1-2 weeks (accounting sync required) |
| Email Ingestion | Built-in (unique address per company) | Available but portal-focused |
| Accounting Sync | Via webhook/API | Native (QuickBooks, Xero, NetSuite, Sage) |
| Vendor Portal | Not available | Self-service payment preferences |
| Semantic Search | Natural language queries ("find Acme invoices") | Basic keyword/filter search |
| Document Matching | 5-way (invoice-PO-receipt-contract-delivery) | 2-way (invoice-PO) |
| Anomaly Detection | AI-powered (duplicate, pricing, vendor patterns) | Basic duplicate detection |
| AR Invoicing | Not available | Full AR with payment collection |
| Pricing Model | Flat monthly (unlimited users) | Per-user monthly |
Pricing Breakdown
Per-user vs flat monthly pricing
Kynthar
- Professional: $249/mo (1,000 docs)
- Business: $499/mo (5,000 docs)
- Unlimited users included
- No per-transaction fees
- No setup fees
- Month-to-month (no contract)
- Email ingestion + semantic search included
10 AP users? Still $249/mo. No seat math required.
Start Free TrialBILL.com
- Essentials: $45/user/mo (basic AP)
- Team: $55/user/mo (approvals + sync)
- Corporate: $79/user/mo (advanced controls)
- Additional fees for ACH, checks, cards
- International wires: $0-$9.99 per payment
- Annual billing typically required
- AR invoicing available on all plans
5 users on Team: 5 x $55 = $275/month + payment fees
View BILL PricingCost Comparison by Team Size
| Scenario | Kynthar | BILL.com (Team) | Savings |
|---|---|---|---|
| 3 users, 1,000 docs/mo | $249 | $165 | BILL cheaper (but limited OCR) |
| 5 users, 2,000 docs/mo | $249 | $275 | Kynthar saves $26/mo |
| 10 users, 3,000 docs/mo | $499 | $550 | Kynthar saves $51/mo |
| 15 users, 5,000 docs/mo | $499 | $825 | Kynthar saves $326/mo |
BILL.com pricing based on Team plan ($55/user/mo). Does not include payment transaction fees.
When to Choose Each Platform
Real-world scenarios
SMB with Complex Approval Chains
Needs: Multi-level approvals (manager, finance, CFO). Pay 50 vendors monthly. Sync to QuickBooks Online. Mobile approval for executives.
Purpose-built for approval workflows. Native QuickBooks sync. Mobile app for approvals. Payment execution built-in.
AP Team Processing High Invoice Volume
Needs: Extract data from 3,000 invoices/mo. Match to POs and contracts. Find past invoices fast. Limited AP staff (2-3 people).
AI extraction handles volume. 5-way matching catches discrepancies. Semantic search finds documents instantly. Flat pricing regardless of team size.
Finance Team Needing AR + AP
Needs: Send invoices to customers. Collect payments. Also process vendor invoices. Single platform for both.
Only option with both AR and AP. Send invoices, accept payments, manage vendors in one platform. Kynthar is AP-only.
Procurement Team Matching Documents
Needs: Match invoices to POs, receipts, contracts, and delivery confirmations. Catch pricing discrepancies. Historical document search.
5-way matching vs BILL's 2-way. AI anomaly detection. Natural language search ("show me Acme invoices over $5K from Q4"). Payment can be handled separately.
Honest Pros & Cons
BILL.com
Strengths
- Comprehensive payment workflows (ACH, check, card, wire)
- Multi-level approval chains with delegation
- Native accounting sync (QuickBooks, Xero, NetSuite, Sage)
- Vendor self-service portal
- AR invoicing and payment collection
- Mobile app for approvals on-the-go
- Large vendor network (millions of businesses)
Weaknesses
- Per-user pricing adds up fast ($45-79/user/mo)
- Basic OCR (not document AI focused)
- Limited to 2-way matching (invoice-PO only)
- No semantic search or natural language queries
- Setup requires accounting system configuration
- Transaction fees on top of subscription
- Annual contracts typical for better pricing
Kynthar
Strengths
- Same-day setup (5 minutes via email forwarding)
- Flat monthly pricing (unlimited users)
- Email ingestion (vendors send directly)
- 5-way matching (invoice-PO-receipt-contract-delivery)
- Semantic search ("find all Acme invoices over $10K")
- AI-powered anomaly detection
- Month-to-month contracts (no lock-in)
Weaknesses
- No payment processing (document extraction only)
- No approval workflows (basic webhook only)
- No AR invoicing capabilities
- No native accounting sync (API/webhook only)
- No vendor payment portal
- No mobile app
- Newer platform (smaller customer base)
The Bottom Line
Different tools for different problems
Using Both Together
Complementary Workflow
- Document intake: Kynthar receives invoices via email, extracts data, matches to POs
- Anomaly detection: Kynthar flags pricing discrepancies, duplicates, unusual patterns
- Payment approval: Validated invoices sent to BILL.com for approval workflow
- Payment execution: BILL.com processes payments, syncs to accounting
- Combined cost: $249 (Kynthar) + $165 (3 users on BILL Team) = $414/mo
When to Use Just One
- BILL.com only: Primary need is payment workflows and approval chains. Basic OCR is sufficient. Need AR invoicing.
- Kynthar only: Primary need is document extraction, matching, and search. Use bank or simple tool for payments.
Decision Framework
Choose BILL.com if: Your pain point is payment execution, approval workflows, or you need both AR and AP in one platform. You have a smaller team where per-user pricing works.
Choose Kynthar if: Your pain point is document processing, data extraction, or finding past documents. You have a larger team where flat pricing saves money. Payment workflows are already handled.
The Verdict
BILL.com is the right choice if: You need a complete AP payment solution with sophisticated approval workflows. The per-user pricing makes sense for smaller teams (under 5 users). You want native accounting sync and don't need advanced document AI.
Kynthar is the right choice if: Your primary pain is document chaos - extracting invoice data, matching to POs/contracts, and finding historical documents. Flat pricing makes sense for larger teams. You'll use a separate tool (BILL.com, your bank, or Melio) for actual payments.
Key insight: BILL.com is a payment platform that happens to accept invoices. Kynthar is a document intelligence platform that prepares invoices for payment. Many teams use both: Kynthar for the document AI, BILL.com for the payment execution.
Try Kynthar Free for 25 Documents
No credit card required. Email ingestion + semantic search in 5 minutes.
Start Free TrialQuestions about using Kynthar with BILL.com? Email sales@kynthar.com