# BILL AP/AR vs Gusto Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Gusto excels in user experience, with many praising its intuitive interface and ease of navigation. Users appreciate features like time tracking and the overall professional feel of the platform, making it a low-pressure environment to manage payroll and HR tasks.
- **Users say** that BILL AP/AR offers strong automation capabilities, particularly its integration with QuickBooks and banking partners. Reviewers highlight the ease of vendor management and the clarity of transaction history, which can streamline accounts payable processes.
- **According to verified reviews** , Gusto stands out for its quick implementation process, with many users noting that the onboarding wizard is straightforward and efficient. This contrasts with some feedback on BILL AP/AR, where users have mentioned challenges in setup that could slow down initial use.
- **Reviewers mention** that Gusto's support quality is notably higher, with users rating it positively for responsiveness and helpfulness. In comparison, while BILL AP/AR has its strengths, some users feel that support could be improved, particularly in more complex scenarios.
- **G2 reviewers highlight** Gusto's robust reporting features, which allow for detailed insights into payroll and HR metrics. Users find this functionality essential for making informed business decisions, whereas BILL AP/AR's reporting capabilities are seen as less comprehensive, with some users expressing a desire for more advanced options.
- **Users say** that Gusto is particularly well-suited for small businesses, with 84% of reviews coming from this segment, indicating a strong alignment with their needs. While BILL AP/AR also serves small businesses, only 63.9% of its reviews come from this group, suggesting it may cater to a broader audience but may not be as finely tuned to small business requirements.



| | BILL AP/AR | Gusto | 
|---|---|---|
| **Star Rating** | 4.4 out of 5 | 4.6 out of 5 | 
| **Total Reviews** | 1,805 | 10,376 | 
| **Largest Market Segment** | Small-Business (63.9% of reviews) | Small-Business (83.9% of reviews) | 
| **Entry Level Price** | $49.00 1 user Per Month | Starting at $49.00 Per Month | 

---
## Top Pros & Cons

### BILL AP/AR

Pros:
- Ease of Use (622 reviews)
- Easy Payments (301 reviews)

Cons:
- Payment Issues (177 reviews)
- Missing Features (166 reviews)

### Gusto

Pros:
- Ease of Use (5185 reviews)
- Payroll Ease (2722 reviews)

Cons:
- Missing Features (619 reviews)
- Poor Customer Support (548 reviews)

---
## Ratings Comparison
| Rating | BILL AP/AR | Gusto | 
|---|---|---|
  | **Meets Requirements** | 8.8 (1473 reviews) | 9.4 (7427 reviews) | 
  | **Ease of Use** | 8.8 (1510 reviews) | 9.5 (7660 reviews) | 
  | **Ease of Setup** | 8.6 (1049 reviews) | 9.3 (6238 reviews) | 
  | **Ease of Admin** | 8.7 (854 reviews) | 9.3 (2379 reviews) | 
  | **Quality of Support** | 8.0 (1297 reviews) | 9.0 (6176 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.6 (848 reviews) | 9.1 (2376 reviews) | 
  | **Product Direction (% positive)** | 8.4 (1464 reviews) | 9.2 (7415 reviews) | 

---
## Pricing

### BILL AP/AR

#### Entry-Level Pricing

Plan: ESSENTIALS

Price: $49.00 1 user Per Month

Description: Spend 50% less time on AP, automate invoicing, and get paid 2x faster.

Key Features:
- Manually integrate with accounting software via CSV file import/export
- Easily enter bills
- Automate approval workflow

[Browse all 4 editions](https://www.g2.com/products/bill-ap-ar/pricing)

#### Free Trial

Yes

### Gusto

#### Entry-Level Pricing

Plan: Simple Plan

Price: Starting at $49.00 Per Month

Description: For small businesses or s-corps needing basic payroll.

Key Features:
- Full-service single-state payroll including W-2s and 1099s
- Basic support
-  Employee profiles and self-service

[Browse all 3 editions](https://www.g2.com/products/gusto/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Core HR

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | 8.6/10 | 2804 |

#### Core HR

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Organization Management** | Not enough data | 8.8 (915 reviews) | 
| **Time, Attendance, and PTO** | Not enough data | 9.0 (958 reviews) | 
| **Expense Management** | Not enough data | 8.1 (804 reviews) | 
| **Salary Structures** | Not enough data | 8.6 (851 reviews) | 
| **Compliance** | Not enough data | 8.8 (880 reviews) | 
| **Benefits Administration** | Not enough data | 8.8 (889 reviews) | 

#### Generative AI

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AI Text Summarization** | Not enough data | 7.2 (474 reviews) | 

#### Platform

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Customization ** | Not enough data | 8.2 (2272 reviews) | 
| **Integration APIs** | Not enough data | 8.0 (2069 reviews) | 
| **Internationalization** | Not enough data | Feature Not Available | 
| **User, Role, and Access Management** | Not enough data | 8.9 (2315 reviews) | 
| **Performance** | Not enough data | 9.2 (2355 reviews) | 
| **Mobility** | Not enough data | 8.9 (2246 reviews) | 
| **Reporting** | Not enough data | 8.7 (2302 reviews) | 
| **Dashboards** | Not enough data | 9.1 (2291 reviews) | 

### Payroll

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | 9.1/10 | 6684 |

#### Employee Self Service

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Web Portal** | Not enough data | 9.5 (5460 reviews) ✓ Verified | 
| **Benefits Manager** | Not enough data | 8.9 (4817 reviews) ✓ Verified | 
| **Mobile** | Not enough data | 9.0 (4865 reviews) ✓ Verified | 

#### Administration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Payroll Entry** | Not enough data | 9.4 (5293 reviews) ✓ Verified | 
| **Time Off Accrual** | Not enough data | 9.1 (4786 reviews) ✓ Verified | 
| **Direct Deposit** | Not enough data | 9.6 (5220 reviews) ✓ Verified | 
| **Expense Reimbursement** | Not enough data | 8.9 (4493 reviews) ✓ Verified | 
| **Pre-tax Deductions** | Not enough data | 9.2 (4710 reviews) ✓ Verified | 
| **Wage Garnishment** | Not enough data | 8.8 (4173 reviews) ✓ Verified | 
| **Approvals** | Not enough data | 9.1 (4389 reviews) ✓ Verified | 
| **Check/W-2 Printing** | Not enough data | 9.2 (4570 reviews) ✓ Verified | 
| **Check/W-2 Delivery** | Not enough data | 9.2 (4559 reviews) ✓ Verified | 

#### Taxes

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Tax Calculation** | Not enough data | 9.3 (5047 reviews) ✓ Verified | 
| **Tax Filing** | Not enough data | 9.2 (4868 reviews) ✓ Verified | 
| **Automatic Tax Payment** | Not enough data | Feature Not Available | 

#### Integration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **API / Integration** | Not enough data | 8.6 (4204 reviews) ✓ Verified | 
| **Time Tracking Integration** | Not enough data | 8.8 (4146 reviews) ✓ Verified | 
| **Accounting Integration** | Not enough data | 8.8 (4204 reviews) ✓ Verified | 
| **Core HR Integration** | Not enough data | 8.6 (3907 reviews) ✓ Verified | 

#### Platform

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Reporting and Dashboards** | Not enough data | 9.0 (4683 reviews) ✓ Verified | 
| **User, Role, and Access Management** | Not enough data | 9.2 (4617 reviews) ✓ Verified | 
| **Performance and Reliability** | Not enough data | 9.3 (5152 reviews) ✓ Verified | 
| **Scalability** | Not enough data | 9.2 (4525 reviews) ✓ Verified | 

### Benefits Administration

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | 8.7/10 | 2806 |

#### Benefits Administration Platform Features

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Benefits Record Management** | Not enough data | 9.0 (1365 reviews) | 
| **Enrollment Planning** | Not enough data | 8.9 (1317 reviews) | 
| **Third-Party Carrier Integration** | Not enough data | 8.4 (1223 reviews) | 
| **Document Management** | Not enough data | 9.0 (1342 reviews) | 
| **Total Compensation Statements** | Not enough data | 9.1 (1311 reviews) | 
| **Self-Service Portal** | Not enough data | 9.2 (1357 reviews) | 
| **Regulatory Compliance** | Not enough data | 9.0 (1279 reviews) | 
| **Mobile Benefits Access** | Not enough data | 8.8 (1256 reviews) | 

#### Benefits Administration Platform Features

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Benefits Record Management** | Not enough data | 9.0 (1365 reviews) | 
| **Enrollment Planning** | Not enough data | 8.9 (1317 reviews) | 
| **Third-Party Carrier Integration** | Not enough data | 8.4 (1223 reviews) | 
| **Document Management** | Not enough data | 9.0 (1342 reviews) | 
| **Total Compensation Statements** | Not enough data | 9.1 (1311 reviews) | 
| **Self-Service Portal** | Not enough data | 9.2 (1357 reviews) | 
| **Regulatory Compliance** | Not enough data | 9.0 (1279 reviews) | 
| **Benefits Dashboards** | Not enough data | 9.1 (932 reviews) | 
| **Mobile Benefits Access** | Not enough data | 8.8 (1256 reviews) | 
| **Integrations / APIs** | Not enough data | 8.5 (1061 reviews) | 
| **Internationalization** | Not enough data | 8.3 (977 reviews) | 
| **Mobility** | Not enough data | 8.9 (1043 reviews) | 

#### Generative AI

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AI Text Generation** | Not enough data | 7.2 (840 reviews) | 
| **AI Text Summarization** | Not enough data | 7.2 (837 reviews) | 
| **AI Image-to-Text** | Not enough data | 7.1 (832 reviews) | 

#### Platform

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Customization ** | Not enough data | 8.2 (2272 reviews) | 
| **Integration APIs** | Not enough data | 8.0 (2069 reviews) | 
| **Internationalization** | Not enough data | Feature Not Available | 
| **User, Role, and Access Management** | Not enough data | 8.9 (2315 reviews) | 
| **Performance** | Not enough data | 9.2 (2355 reviews) | 
| **Mobility** | Not enough data | 8.9 (2246 reviews) | 
| **Reporting** | Not enough data | 8.7 (2302 reviews) | 
| **Dashboards** | Not enough data | 9.1 (2291 reviews) | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | 8.3/10 | 150 |
| **Gusto** | N/A | N/A |

#### Payment Methods

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **ACH** | 8.8 (136 reviews) | Not enough data | 
| **Credit and Debit** | 7.5 (114 reviews) | Not enough data | 
| **Wire Transfer** | Feature Not Available | Not enough data | 

#### Payment Processing 

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Batch Processing** | 8.5 (128 reviews) | Not enough data | 
| **Payments Scheduling** | 9.0 (137 reviews) | Not enough data | 
| **Automated Workflows** | 8.4 (127 reviews) | Not enough data | 
| **Self Service** | 8.5 (131 reviews) | Not enough data | 
| **Reconciliation** | 8.2 (122 reviews) | Not enough data | 
| **Settlements** | 8.2 (116 reviews) | Not enough data | 
| **Payment Tracking** | 8.5 (135 reviews) | Not enough data | 

#### Security and Compliance

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **PCI Compliant** | 8.7 (106 reviews) | Not enough data | 
| **P2PE** | 8.5 (100 reviews) | Not enough data | 
| **Fraud Management** | 8.4 (105 reviews) | Not enough data | 
| **SSL Encryption** | 8.9 (105 reviews) | Not enough data | 
| **SOX** | 8.5 (90 reviews) | Not enough data | 
| **SOC** | 8.6 (90 reviews) | Not enough data | 

#### Integration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Agnostic Integration** | 8.3 (101 reviews) | Not enough data | 
| **Reporting Consolidation** | 7.8 (106 reviews) | Not enough data | 
| **Plugins and APIs** | 7.8 (104 reviews) | Not enough data | 

#### Payment Types

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AP Automation** | 8.8 (103 reviews) | Not enough data | 
| **E-Commerce** | 7.8 (93 reviews) | Not enough data | 
| **Retail** | 7.2 (81 reviews) | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Adaptive Learning** | 7.0 (23 reviews) | Not enough data | 

### Time & Attendance

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | 9.3/10 | 100 |

#### Automation

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Process Automation** | Not enough data | 9.1 (29 reviews) | 

#### Logistics

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Dashboards & Reporting** | Not enough data | 9.0 (8 reviews) | 
| **Data Collection** | Not enough data | 8.6 (22 reviews) | 
| **Lanuguage Options** | Not enough data | Not enough data | 

#### Management

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Schedule Creation Tools** | Not enough data | 7.8 (15 reviews) | 
| **Schedule Management** | Not enough data | 9.2 (29 reviews) | 
| **Employee Leave Management** | Not enough data | 10.0 (9 reviews) | 
| **User Access** | Not enough data | 8.9 (11 reviews) | 
| **User Role Access** | Not enough data | 9.0 (13 reviews) | 
| **Employee Information** | Not enough data | 10.0 (24 reviews) | 
| **Employee Information Automation** | Not enough data | Not enough data | 

#### Monitoring

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Regulations Enforcement** | Not enough data | 10.0 (6 reviews) | 
| **Compliance Monitoring** | Not enough data | 10.0 (7 reviews) | 
| **Integration** | Not enough data | 10.0 (9 reviews) | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | 7.9/10 | 953 |
| **Gusto** | N/A | N/A |

#### Invoice Management

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Capture** | 8.6 (746 reviews) ✓ Verified | Not enough data | 
| **Supplier Portal** | 7.7 (615 reviews) | Not enough data | 
| **Repository** | 8.4 (699 reviews) ✓ Verified | Not enough data | 

#### Invoice Processing

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Matching** | 8.2 (690 reviews) ✓ Verified | Not enough data | 
| **Payments** | 8.7 (798 reviews) ✓ Verified | Not enough data | 
| **Workflows** | 8.6 (767 reviews) ✓ Verified | Not enough data | 
| **Tax Compliance** | 7.6 (632 reviews) ✓ Verified | Not enough data | 

#### Analytics

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Due Dates** | 8.8 (766 reviews) ✓ Verified | Not enough data | 
| **Benchmarking** | Feature Not Available | Not enough data | 
| **KPIs** | 7.4 (615 reviews) ✓ Verified | Not enough data | 

#### Integration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Accounting** | 8.6 (814 reviews) ✓ Verified | Not enough data | 
| **Payment Integration** | 8.5 (747 reviews) ✓ Verified | Not enough data | 
| **ERP** | 7.8 (632 reviews) ✓ Verified | Not enough data | 

#### Risk

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Analysis** | 7.7 (603 reviews) | Not enough data | 
| **Identification** | 8.0 (618 reviews) | Not enough data | 
| **Scoring** | 7.3 (569 reviews) | Not enough data | 

#### Recovery

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Recoup** | 7.5 (565 reviews) | Not enough data | 
| **Reporting** | 7.6 (639 reviews) | Not enough data | 

#### Audit

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Filters** | 7.8 (639 reviews) | Not enough data | 
| **Post Audits** | 7.6 (572 reviews) | Not enough data | 
| **Overpayments** | 7.6 (599 reviews) | Not enough data | 
| **Duplicates** | 8.3 (637 reviews) | Not enough data | 

#### Fraud

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Vendor Checks** | 8.0 (650 reviews) | Not enough data | 
| **Data Generation** | 7.7 (602 reviews) | Not enough data | 
| **Monitoring** | 8.0 (605 reviews) | Not enough data | 

#### Agentic AI - AP Automation

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Autonomous Task Execution** | 6.8 (254 reviews) | Not enough data | 
| **Proactive Assistance** | 6.9 (246 reviews) | Not enough data | 
| **Decision Making** | 7.0 (243 reviews) | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | 8.3/10 | 508 |
| **Gusto** | N/A | N/A |

#### Invoice Generation

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Templates** | 8.2 (384 reviews) ✓ Verified | Not enough data | 
| **Digital Invoices** | 8.7 (400 reviews) ✓ Verified | Not enough data | 
| **Recurring Invoices** | 8.4 (383 reviews) ✓ Verified | Not enough data | 

#### Invoice Processing

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Approvals** | 9.1 (454 reviews) ✓ Verified | Not enough data | 
| **Batch Processing** | Feature Not Available | Not enough data | 
| **Consolidation** | 8.4 (389 reviews) ✓ Verified | Not enough data | 
| **Match Invoices** | 8.7 (375 reviews) ✓ Verified | Not enough data | 

#### Analytics

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Due Dates** | 8.9 (435 reviews) ✓ Verified | Not enough data | 
| **Cashflow** | 8.1 (366 reviews) ✓ Verified | Not enough data | 
| **KPIs** | 8.0 (342 reviews) ✓ Verified | Not enough data | 
| **Payment Tracking** | 8.9 (403 reviews) ✓ Verified | Not enough data | 

#### Integration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Accounting** | 8.7 (443 reviews) ✓ Verified | Not enough data | 
| **Payments** | 8.9 (439 reviews) ✓ Verified | Not enough data | 
| **ERP** | 8.0 (360 reviews) ✓ Verified | Not enough data | 
| **Account Sync** | 8.6 (411 reviews) ✓ Verified | Not enough data | 

#### Agentic AI - Invoice Management

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Cross-system Integration** | 7.4 (84 reviews) | Not enough data | 
| **Adaptive Learning** | 7.3 (83 reviews) | Not enough data | 
| **Proactive Assistance** | 7.4 (83 reviews) | Not enough data | 

### Contractor Management

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | 8.6/10 | 203 |

#### Platform Basics

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Interoperability** | Not enough data | 8.5 (186 reviews) | 
| **Performance** | Not enough data | 9.2 (195 reviews) | 
| **Portal** | Not enough data | 8.9 (186 reviews) | 

#### Platform Performance

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Reporting** | Not enough data | 8.8 (193 reviews) | 
| **Application Monitoring** | Not enough data | 8.5 (179 reviews) | 

#### Platform Functionality

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Document management** | Not enough data | 9.1 (189 reviews) | 
| **Requalification** | Not enough data | 8.5 (182 reviews) | 
| **Compliance** | Not enough data | 8.8 (180 reviews) | 

#### Platform Additional Functionality

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Onboarding** | Not enough data | 8.9 (184 reviews) | 
| **Pre-qualifiation** | Not enough data | 8.4 (176 reviews) | 
| **Onsite Monitoring** | Not enough data | 8.1 (173 reviews) | 

#### Generative AI

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AI Text Summarization** | Not enough data | 7.3 (159 reviews) | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Payment Processing

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Encryption** | Not enough data | Not enough data | 
| **Credit Card Processing** | Not enough data | Not enough data | 
| **Mobile Payments** | Not enough data | Not enough data | 
| **Digital Wallet Integration** | Not enough data | Not enough data | 

#### Administration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Reporting & Analytics** | Not enough data | Not enough data | 
| **E-commerce Integration** | Not enough data | Not enough data | 
| **Processing Fees** | Not enough data | Not enough data | 
| **POS Integration** | Not enough data | Not enough data | 
| **Omnichannel** | Not enough data | Not enough data | 
| **Levels 1 & 2** | Not enough data | Not enough data | 
| **Level 3** | Not enough data | Not enough data | 

#### Payment Options

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Multi-Currency** | Not enough data | Not enough data | 
| **Online payment portal** | Not enough data | Not enough data | 

#### Security

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **POS Verification** | Not enough data | Not enough data | 

#### Platform

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Accounting integration** | Not enough data | Not enough data | 
| **E-commerce Integration** | Not enough data | Not enough data | 

### Cash Flow Management

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Cash Flow Management

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **File Exports** | Not enough data | Not enough data | 
| **Income and Expenses** | Not enough data | Not enough data | 
| **Track Cash Flow** | Not enough data | Not enough data | 

#### Cash Flow Forecasting

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Historical Data** | Not enough data | Not enough data | 
| **Reforecast** | Not enough data | Not enough data | 
| **Forecast Types** | Not enough data | Not enough data | 
| **Rolling Forecasts** | Not enough data | Not enough data | 
| **AI** | Not enough data | Not enough data | 

#### Analytics

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Variance Analysis** | Not enough data | Not enough data | 
| **Reports** | Not enough data | Not enough data | 
| **Forecast Comparison** | Not enough data | Not enough data | 
| **Forward Looking** | Not enough data | Not enough data | 

#### Financial Data Transfer

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Data Transfer** | Not enough data | Not enough data | 
| **Data Exchange** | Not enough data | Not enough data | 
| **Reporting** | Not enough data | Not enough data | 
| **Access** | Not enough data | Not enough data | 
| **Integration** | Not enough data | Not enough data | 

#### Agentic AI -  Cash Flow Management

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Performance Management

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | 10.0/10 | 6 |

#### Performance reviews

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **360 Reviews** | Not enough data | Not enough data | 
| **Customizable Forms** | Not enough data | Not enough data | 
| **Review Status Tracking** | Not enough data | Not enough data | 

#### Goals

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Goal-Setting** | Not enough data | 10.0 (5 reviews) | 
| **Company Goals And OKRs** | Not enough data | Not enough data | 

#### Feedback

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Continuous Feedback** | Not enough data | Not enough data | 
| **Requesting Feedback** | Not enough data | Not enough data | 
| **1-On-1 Meetings** | Not enough data | Not enough data | 
| **Public Praise** | Not enough data | Not enough data | 

#### Data

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Dashboards And Reports** | Not enough data | Not enough data | 
| **Historical Data** | Not enough data | Not enough data | 

#### Agentic AI - Performance Management

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Multi-step Planning** | Not enough data | Not enough data | 
| **Natural Language Interaction** | Not enough data | Not enough data | 

### Billing

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | 8.2/10 | 407 |
| **Gusto** | N/A | N/A |

#### Bill Generation

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Templates** | 8.2 (346 reviews) | Not enough data | 
| **Digital Billing** | 8.6 (362 reviews) | Not enough data | 
| **Recurring Billing** | 8.5 (353 reviews) | Not enough data | 

#### Bill Processing

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Consolidation** | Feature Not Available | Not enough data | 
| **Batch Invoicing** | Feature Not Available | Not enough data | 
| **Management** | Feature Not Available | Not enough data | 

#### Integration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Accounting** | 8.8 (364 reviews) | Not enough data | 
| **Payments** | Feature Not Available | Not enough data | 
| **ERP** | 8.2 (297 reviews) | Not enough data | 

#### Agentic AI - Billing

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Autonomous Task Execution** | 6.7 (66 reviews) | Not enough data | 

### Contractor Payments

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | 8.2/10 | 354 |
| **Gusto** | 8.9/10 | 836 |

#### Platform Basics

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Performance** | 8.6 (325 reviews) | 9.2 (773 reviews) | 
| **Portal** | 8.6 (322 reviews) | 9.2 (778 reviews) | 

#### Platform Administration

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Integrations** | 8.0 (317 reviews) | 8.6 (711 reviews) | 
| **Compliance** | 8.0 (293 reviews) | 9.1 (758 reviews) | 
| **Reporting** | 7.7 (307 reviews) | 8.9 (763 reviews) | 

#### Platform Payment Content

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Document management** | 8.4 (311 reviews) | 9.0 (760 reviews) | 
| **Invoicing Tool** | Feature Not Available | 8.4 (652 reviews) | 
| **Wage access** | Feature Not Available | 9.1 (737 reviews) | 

### Accounts Receivable

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | 7.8/10 | 256 |
| **Gusto** | N/A | N/A |

#### Reporting

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Status** | 8.5 (224 reviews) | Not enough data | 
| **Customer Credit** | 7.3 (205 reviews) | Not enough data | 
| **History** | 8.5 (225 reviews) | Not enough data | 

#### Integrations

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Accounting** | 8.5 (220 reviews) | Not enough data | 
| **ERP** | 7.8 (201 reviews) | Not enough data | 
| **CPM** | Feature Not Available | Not enough data | 

#### Transactions

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Credits** | Feature Not Available | Not enough data | 
| **Invoices** | 8.6 (232 reviews) | Not enough data | 
| **Payments** | 8.6 (243 reviews) | Not enough data | 

#### Workflows

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Approvals** | 8.6 (222 reviews) | Not enough data | 
| **Reconciliation** | 8.2 (222 reviews) | Not enough data | 

#### Agentic AI - Accounts Receivable Automation

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Autonomous Task Execution** | 6.9 (51 reviews) | Not enough data | 

#### AI - Accounts Receivable

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Generative** | 7.0 (48 reviews) | Not enough data | 
| **Responses** | 6.6 (46 reviews) | Not enough data | 
| **Predictive Analytics** | 6.6 (47 reviews) | Not enough data | 

### HCM Software

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AI Text Generation** | Not enough data | Not enough data | 
| **AI Text Summarization** | Not enough data | Not enough data | 

### Talent Management

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AI Text Generation** | Not enough data | Not enough data | 
| **AI Text Summarization** | Not enough data | Not enough data | 

### Recruiting

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AI Text Generation** | Not enough data | Not enough data | 
| **AI Text Summarization** | Not enough data | Not enough data | 

### Talent Acquisition Suites

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Generative AI

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **AI Text Summarization** | Not enough data | Not enough data | 

### Onboarding

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | 8.6/10 | 2771 |

#### Agentic AI - Onboarding

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 7.7 (245 reviews) | 
| **Adaptive Learning** | Not enough data | 7.9 (245 reviews) | 
| **Natural Language Interaction** | Not enough data | 7.8 (249 reviews) | 
| **Proactive Assistance** | Not enough data | 7.9 (250 reviews) | 
| **Decision Making** | Not enough data | 8.0 (249 reviews) | 

#### Platform Content

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Forms Library** | Not enough data | 8.7 (1160 reviews) | 
| **E-Forms** | Not enough data | 9.1 (1189 reviews) | 
| **E-Signature** | Not enough data | 9.3 (1195 reviews) | 
| **Background Checks** | Not enough data | 8.4 (1098 reviews) | 
| **Offer Letter Approvals** | Not enough data | 8.8 (1108 reviews) | 
| **Offer Letter Templates** | Not enough data | 8.6 (1100 reviews) | 

#### Platform Additional Functionality

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Self-Service Portal** | Not enough data | 9.3 (1169 reviews) | 
| **Automated Team Introductions** | Not enough data | 8.8 (1095 reviews) | 
| **Compliance Training** | Not enough data | 8.5 (1072 reviews) | 
| **Automated Onboarding Workflows** | Not enough data | 8.9 (1122 reviews) | 
| **Onboarding Notifications** | Not enough data | 9.1 (1147 reviews) | 

#### Platform Data

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Time-to-Productivity Reporting** | Not enough data | 8.4 (1021 reviews) | 
| **Onboarding Process Reporting** | Not enough data | 8.7 (1063 reviews) | 
| **Visualization** | Not enough data | 8.8 (1043 reviews) | 

#### Platform

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Customization ** | Not enough data | 8.2 (2272 reviews) | 
| **Integration APIs** | Not enough data | 8.0 (2069 reviews) | 
| **Internationalization** | Not enough data | Feature Not Available | 
| **User, Role, and Access Management** | Not enough data | 8.9 (2315 reviews) | 
| **Performance** | Not enough data | 9.2 (2355 reviews) | 
| **Mobility** | Not enough data | 8.9 (2246 reviews) | 
| **Reporting** | Not enough data | 8.7 (2302 reviews) | 
| **Dashboards** | Not enough data | 9.1 (2291 reviews) | 

#### Recruiting and Onboarding

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Interview Scheduling** | Not enough data | 8.0 (995 reviews) | 
| **Onboarding** | Not enough data | 9.0 (1172 reviews) | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **BILL AP/AR** | N/A | N/A |
| **Gusto** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | BILL AP/AR | Gusto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments)

**Unique to BILL AP/AR (7):** [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Accounts Receivable Software](https://www.g2.com/categories/accounts-receivable), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Billing Software](https://www.g2.com/categories/billing), [Cash Flow Management Software](https://www.g2.com/categories/cash-flow-management), [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to Gusto (8):** [Contractor Management Software](https://www.g2.com/categories/contractor-management), [Time & Attendance Software](https://www.g2.com/categories/time-attendance), [Onboarding Software](https://www.g2.com/categories/onboarding-software), [Benefits Administration Software](https://www.g2.com/categories/benefits-administration), [Core HR Software](https://www.g2.com/categories/core-hr), [Payroll Software](https://www.g2.com/categories/payroll), [HCM Software](https://www.g2.com/categories/hcm-software), [Performance Management Software](https://www.g2.com/categories/performance-management)


---
## Reviewer Demographics

### By Company Size

| Segment | BILL AP/AR | Gusto | 
|---|---|---|
| **Small-Business** | 63.9% | 83.9% | 
| **Mid-Market** | 29.3% | 15.6% | 
| **Enterprise** | 6.8% | 0.5% | 

### By Industry

#### BILL AP/AR

- **Accounting:** 18.7%
- **Non-Profit Organization Management:** 10.3%
- **Computer Software:** 6.6%
- **Information Technology and Services:** 4.5%
- **Financial Services:** 4.4%
- **Marketing and Advertising:** 4.4%
- **Construction:** 2.7%
- **Hospital & Health Care:** 2.7%
- **Health, Wellness and Fitness:** 2.1%
- **Education Management:** 1.9%
- **Other:** 41.5%

#### Gusto

- **Non-Profit Organization Management:** 5.7%
- **Accounting:** 4.9%
- **Computer Software:** 4.9%
- **Health, Wellness and Fitness:** 4.9%
- **Hospital & Health Care:** 4.8%
- **Mental Health Care:** 4.6%
- **Marketing and Advertising:** 4.5%
- **Information Technology and Services:** 3.7%
- **Medical Practice:** 3.7%
- **Construction:** 2.8%
- **Other:** 55.7%

---
## Alternatives

### Alternatives to BILL AP/AR

- [Melio](https://www.g2.com/products/melio/reviews) — 4.4/5 stars (248 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (407 reviews)
- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1925 reviews)
- [Billtrust](https://www.g2.com/products/billtrust/reviews) — 4.4/5 stars (507 reviews)
- [Invoiced](https://www.g2.com/products/invoiced/reviews) — 4.5/5 stars (411 reviews)
- [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (387 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Yooz](https://www.g2.com/products/yooz/reviews) — 4.4/5 stars (348 reviews)
- [AvidXchange](https://www.g2.com/products/avidxchange/reviews) — 4.4/5 stars (317 reviews)
- [MineralTree](https://www.g2.com/products/mineraltree/reviews) — 4.5/5 stars (160 reviews)

### Alternatives to Gusto

- [Rippling](https://www.g2.com/products/rippling/reviews) — 4.8/5 stars (12690 reviews)
- [Paycor](https://www.g2.com/products/paycor/reviews) — 3.9/5 stars (1333 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6377 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5312 reviews)
- [Paychex](https://www.g2.com/products/paychex/reviews) — 4.1/5 stars (1691 reviews)
- [Namely](https://www.g2.com/products/namely/reviews) — 3.9/5 stars (331 reviews)
- [Dayforce](https://www.g2.com/products/dayforce/reviews) — 4.2/5 stars (956 reviews)
- [ADP Workforce Now](https://www.g2.com/products/adp-workforce-now/reviews) — 4.2/5 stars (4216 reviews)
- [Workday HCM](https://www.g2.com/products/workday-hcm/reviews) — 4.1/5 stars (1627 reviews)
- [APS](https://www.g2.com/products/aps-aps/reviews) — 4.6/5 stars (826 reviews)

---
## Top Discussions

### BILL AP/AR

- Title: [lack of customer service support. no number to call](https://www.g2.com/discussions/lack-of-customer-service-support-no-number-to-call) — 2 comments, 1 upvote
  > **Top comment:** "You can best contact SUPPORT by being logged into BILL, then going to support CHAT to engage with BILL's virtual assistant.  If you enter your problem, you..."
- Title: [How long does Bill com take to pay?](https://www.g2.com/discussions/how-long-does-bill-com-take-to-pay) — 2 comments
  > **Top comment:** "Next business day, in most cases."
- Title: [How come some of our sttachments dont sync into Bill.com (they are .pdf's) and otherones do?](https://www.g2.com/discussions/33242-how-come-some-of-our-sttachments-dont-sync-into-bill-com-they-are-pdf-s-and-otherones-do) — 2 comments
  > **Top comment:** "Review and report your financial scam case here by contacting this Email: money back@ internet . ru or watchdog money back @ aol . com They recover back lost..."
- Title: [How does Bill com integrate with QuickBooks?](https://www.g2.com/discussions/how-does-bill-com-integrate-with-quickbooks) — 1 comment
  > **Top comment:** "Its very easy either from QBO app section setting or through bill .com setting you can Integrate it quickly"
- Title: [What is Bill COM used for?](https://www.g2.com/discussions/what-is-bill-com-used-for) — 1 comment
  > **Top comment:** "Comment deleted by user."

### Gusto

- Title: [Is there an app for Gusto payroll?](https://www.g2.com/discussions/is-there-an-app-for-gusto-payroll) — 4 comments, 1 upvote
  > **Top comment:** "No, only for employees. You can only run payroll using a browser."
- Title: [Is gusto payroll safe?](https://www.g2.com/discussions/is-gusto-payroll-safe) — 3 comments, 6 upvotes
  > **Top comment:** "Yes, it is secure"
- Title: [What is Gusto used for?](https://www.g2.com/discussions/what-is-gusto-used-for) — 2 comments
  > **Top comment:** "payroll"
- Title: [What is gusto payroll?](https://www.g2.com/discussions/what-is-gusto-payroll) — 2 comments
  > **Top comment:** "Gusto payroll is a web client platform where you can perform payment for an employees or contractor for your owned business. Simply it is your accounting..."
- Title: [Why doesn't Gusto take responsibility and rectify the pay problems that they have caused?](https://www.g2.com/discussions/25111-why-doesn-t-gusto-take-responsibility-and-rectify-the-pay-problems-that-they-have-caused) — 2 comments, 3 upvotes *(includes official response)*
  > **Top comment:** "Hi there, we see you've been in touch with several customer support advocates and managers to help go through the situation as well as provide options for..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-ap-ar-vs-gusto)