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Comparison · Finance
Bill.com vs Increase
A side-by-side editorial comparison of Bill.com and Increase — release velocity, themes, recent moves, and the top alternatives to consider.
Bill.com vs Increase: at a glance
What is Bill.com?
BILL turns multi-entity into its main theme, while AI moves into the AP inbox and month-end close.
BILL's autumn releases concentrate on businesses running several related companies. Spend & Expense now supports multi-entity accounts on one credit application and shared credit line, and vendor credits can be handled across entities from the parent. AI work continues in the AP inbox, which now identifies incoming documents, and in close, with smarter coding, a period close mode and approver reminders.
What is Increase?
Increase enriches card transactions with Spade merchant data between its quarterly letters.
A standalone update joins the quarterly newsletters: card transactions now carry a Spade enrichment record with the merchant's name, legal name, logo, website, phone number, store location and an industry category up to four levels deep. The last three quarters moved past core payment rails into managed compliance, entity onboarding sessions, 3D Secure, push provisioning and IP-restricted API keys. SDK coverage has widened to C#, PHP and Ruby, and the documentation was reworked to be readable by LLMs.
Bill.com vs Increase: editorial side-by-side
Bill.com
5.0FINANCE
BILL turns multi-entity into its main theme, while AI moves into the AP inbox and month-end close.
◆ Current state
BILL's autumn releases concentrate on businesses running several related companies. Spend & Expense now supports multi-entity accounts on one credit application and shared credit line, and vendor credits can be handled across entities from the parent. AI work continues in the AP inbox, which now identifies incoming documents, and in close, with smarter coding, a period close mode and approver reminders.
◆ Where it's heading
The product is moving up-market through structure as much as through AI. Multi-entity support gives BILL a reason to stay as a customer adds companies, and it now reaches both AP and spend. The AI thread stays narrow and practical: sorting, coding and flagging work that staff used to do by hand, with the review step left in place.
◆ Prediction
BILL calls document recognition a first step toward an inbox that understands documents, so expect more automated handling inside AP. Further multi-entity coverage is also likely, since it has now landed in two product lines within two weeks.
Increase
2.5FINANCE
Increase enriches card transactions with Spade merchant data between its quarterly letters.
◆ Current state
A standalone update joins the quarterly newsletters: card transactions now carry a Spade enrichment record with the merchant's name, legal name, logo, website, phone number, store location and an industry category up to four levels deep. The last three quarters moved past core payment rails into managed compliance, entity onboarding sessions, 3D Secure, push provisioning and IP-restricted API keys. SDK coverage has widened to C#, PHP and Ruby, and the documentation was reworked to be readable by LLMs.
◆ Where it's heading
The arc runs from moving money to operating a bank program end to end. Early quarters added rails (FedNow, Push-to-Card, check transfers); recent ones add the compliance, onboarding and dispute machinery a customer would otherwise build or buy separately. Q2 2026 adds blockchain transfers alongside managed compliance, and flags cross-border payments and lending APIs as next.
◆ Prediction
Expect the cross-border payments and lending APIs named in the Q2 2026 letter to ship as the next quarter's headline, extending the same pattern of absorbing adjacent financial products into the core API.
Alternatives to Bill.com and Increase
Other Finance products tracked by Sparkpulse, ranked by recent ship velocity. Each card links to a full editorial trajectory and lets you pivot into a head-to-head comparison with either Bill.com or Increase.
Adapty
Adapty closes its old paywall builder and sells the annual plan as twelve payments
Purchasely
Purchasely 6.2 lets apps send their own events and open campaigns from them
Dwolla
Dwolla is buying its way to instant payouts while its own MCP experiment gets a public post-mortem
OpenBB
OpenBB V5 swaps AGPL for Apache-2.0 and cuts sixteen provider packages.
GnuCash
GnuCash 5.17 is another bugfix list, with a real capital-gains fix tucked inside.
See all Bill.com alternatives → · See all Increase alternatives →
Recent activity from Bill.com and Increase
Latest ship moves from both products, interleaved chronologically. ⚡ = editorial spark.
- 4d agoBill.comBILL Spend & Expense now supports multi-entity businesses
- 12d agoBill.comManage vendor credits across all your entities, from one place
- 14d agoBill.comNew AI in BILL: automation you control, accuracy you can trust
- 14d agoBill.comYour inbox now recognizes what each document is
- 25d agoBill.comClose your books faster: smarter coding, period close mode, and approver reminders
- 26d agoIncreaseIncrease adds real-time merchant data from Spade to card transactions
- 1mo agoBill.comYour reports, now faster and easier to find
- 3mo agoIncreaseManaged compliance and blockchain transfers land in Q2 ⚡
- 6mo agoIncreaseEntity onboarding, 3D Secure and IP-restricted keys
- 10mo agoIncreaseFedNow, Push-to-Card and a Cards Disputes API
- 1y agoIncreaseEvent log filtering and check transfer work
- 1y agoIncreaseFile links, check deposit images, Apple Pay history
Frequently asked questions
What is the difference between Bill.com and Increase?
They serve adjacent needs but don't currently overlap on shipped themes. Bill.com is currently shipping more aggressively (velocity 5.0 vs 2.5), with 0 editorial sparks in the last 30 days against 0. See the at-a-glance table above for a side-by-side breakdown of velocity, recent sparks, and editorial themes.
Is Bill.com better than Increase?
Sparkpulse doesn't pick a winner — we score release velocity, not feature parity. Bill.com is currently shipping more aggressively (velocity 5.0 vs 2.5), with 0 editorial sparks in the last 30 days against 0. For your specific use case, the alternatives sections above list other Finance products to evaluate alongside.
What are the best alternatives to Bill.com?
Top Bill.com alternatives in Finance are ranked by recent ship velocity. Browse the "Bill.com alternatives" section above for the current picks, or visit /alternatives/bill for the full list with editorial commentary on each.
What are the best alternatives to Increase?
Top Increase alternatives in Finance are ranked by recent ship velocity. Browse the "Increase alternatives" section above for the current picks, or visit /alternatives/increase for the full list with editorial commentary on each.