# Take control of retail and ecommerce finances

Let the BILL integrated financial operations platform give you cash flow visibility and control over vendor payments and employee expenses.

## BILL Accounts Payable and BILL Accounts Receivable

BILL helps retail and e-commerce businesses streamline AP & AR to improve cash flow and get ready for business growth.

- **Simplify payments**  
  Pay suppliers, vendors and contractors by check, ACH, credit card, or international payment with a few clicks in their local currency or USD.

- **Maximize cash flow**  
  Defer payments by using credit cards and have the freedom to pay any amount, for free, when you place funds in your BILL balance.

- **Manage multi-entities**  
  Manage multiple retail locations or entities easily by communicating with employees in the app and syncing financial data to your accounting system.

- **Automate PO matching**  
  Gain control of your purchase-to-pay workflows and keep spend within pre-approved limits with PO matching.

- **Simplify supplier onboarding**  
  Suppliers can set up their accounts without handing off sensitive bank information through self-serve. Once onboarded, they can start receiving and tracking payments.

## BILL Spend & Expense

BILL simplifies spend and expense management and offers flexible credit lines to help your business grow.

- **Save time and cost**  
  Automated expenses processes, integration with accounting systems, and mobile accessibility help expedite reimbursement cycles.

- **Streamlined expense management**  
  Automated tracking and categorization of expenses improves efficiency and accuracy, so employees can focus on client-facing activities.

- **Maximize cash flow**  
  Earn rewards on all your spending with as many physical and virtual cards as needed. Scale your credit line when your business is ready to grow.

- **Budget control**  
  Never go over your budget and gain real-time visibility for enhanced control and better budget management.

## What our customers are saying

“With BILL, we can knock out accounting on a regular basis, so we can actually do bigger ticket things that'll move the needle.”  
**Colin King**, CFO, Vermont Flannel

“When I get a push notification for BILL, it’s so easy. When I'm on the run, I can see it and approve it right from the mobile app.”  
**Chris Seahorn**, Chief Growth Officer, Gardyn

“It’s so much easier to have everything in one location instead of having approvals go through email, Slack, or text, and then they get lost. Having the approval process in BILL keeps it way more organized.”  
**Mayra Jimenez**, Assistant Controller, Kombo Ventures

## Frequently asked questions

**Which types of retail organizations use BILL?**  
BILL is used by a variety of retail organizations, whether brick-and-mortar stores or e-commerce businesses.

**How can BILL improve the invoicing process for retail and e-commerce businesses?**  
BILL streamlines your purchase-to-pay workflows, ensuring proper procurement procedures are followed when purchasing finished goods or merchandise.

**How does international payment work for retail and ecommerce businesses’ suppliers and vendors located outside the US?**  
BILL makes it easy to send international payments to vendors in over 100 currencies, strengthening relationships with preferred currencies.

**Is BILL secure for retail and e-commerce businesses?**  
BILL is designed with privacy and security in mind, with safeguards to guard sensitive information. Visit our [Security page](https://www.bill.com/product/security) for more details.

**What is BILL pricing?**  
BILL Spend & Expense is free! Pricing for BILL Accounts Payable and Accounts Receivable can be found [here](https://www.bill.com/product/pricing).

**How do I get started with BILL for my retail and e-commerce business?**  
[Request a demo](https://www.bill.com/demo-request) or get started with a [risk-free trial](https://www.bill.com/signup).

## Financial operations automation for retail and e-commerce

See how financial operations automation can empower your retail business.  
[Get the Guide](https://www.bill.com/guides/financial-automation-for-retail-ecommerce).