Bill Com vs Tray.io: Which Should You Choose in 2026?
Choosing between Bill Com and Tray.io comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Bill Com
Business payments and AP automation
Best for you if:
- • You want the higher-rated option (8.0/10 vs 0.0/10)
- • You need workflow automation features specifically
- • Bill.com is a financial operations platform for accounts payable and receivable
- • It automates invoice processing, payments, and approvals for businesses
Tray.io
Enterprise automation platform
Best for you if:
- • You need low-code backend features specifically
- • You need enterprise automation platform
- • You need professional-grade features
| At a Glance |  Bill Com | |
|---|---|---|
Price | Paid | Paid |
Best For | Workflow Automation | Low-Code Backend |
Rating | 80/100 | —/100 |
| Feature | Bill Com | Tray.io |
|---|---|---|
| Pricing Model | Paid | Paid |
| Editorial Score | 80 | — |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 75 |
| Categories | Workflow AutomationExpense Management | Low-Code BackendETL & Data Pipelines |
Understanding the Differences
Both Bill Com and Tray.io solve similar problems, but they approach them differently.Bill Com positions itself as "business payments and ap automation" while Tray.iofocuses on "enterprise automation platform". These differences matter depending on what you're trying to accomplish.
When to Choose Bill Com
Bill Com makes sense if you're looking for a comprehensive paid solution. With a score of 80/100, it's our top pick in this comparison.
When to Choose Tray.io
Tray.io is worth considering if you need a professional-grade tool.
Who Should Use What?
Bootstrapped or small team?
Neither is free, but both have their value. Test them both and see which clicks.
We'd pick: Tray.io
Growing fast?
Your team doubled last quarter and you need tools that won't break when you add 50 more people. Bill Com handles scale better in our testing.
We'd pick: Bill Com
Enterprise with complex needs?
You need SSO, compliance certifications, and a support team that picks up the phone. Bill Com is built for organizations like yours.
We'd pick: Bill Com
Still not sure? Answer these 3 questions
How much can you spend?
Both are paid tools. If money isn't the issue, go with Bill Com—it scored higher.
Do you care what other users think?
Both have similar review counts. Read a few before you commit.
Expert opinion or crowd wisdom?
Our team rated Bill Com higher (80/100). But the community has upvoted Tray.io more (75 votes). Pick your source of truth.
Key Takeaways
What Bill Com Does Better
- Higher overall score (80/100)
- Our recommendation for most use cases
Consider Tray.io If
- Its specific features better match your workflow
- You prefer its interface or design approach
The Bottom Line
If we had to pick one, we'd go with Bill Com (80/100). But the honest answer is that "better" depends on your situation. Bill Com scores higher in our analysis, but Tray.io might be the right choice if its specific strengths align with what you need most. Take advantage of free trials to test both before committing.
Frequently Asked Questions
Is Bill Com or Tray.io better?
Based on our analysis, Bill Com scores higher with 80/100. Bill Com ispaid while Tray.io is paid. The best choice depends on your specific needs and budget. We recommend testing both with free trials if available.
Can I switch from Bill Com to Tray.io easily?
Migration difficulty varies. Check if both tools support data export/import in compatible formats. Some tools offer migration assistance or have integration partners who can help with the transition.
Do Bill Com and Tray.io offer free trials?
Most software in this category offers free trials or free tiers. Bill Com is paid with potential trial.Tray.io is paid with potential trial. Visit their websites for current trial offers.