{ "data": { "a": { "slug": "bill", "name": "BILL", "vendor": "BILL Holdings, Inc.", "vendorUrl": "https://www.bill.com", "kind": "http-api", "category": "spend-management", "summary": "BILL is a US financial operations platform for accounts payable, accounts receivable and company card spend. Its v3 REST API reads and writes bills, payments, invoices, budgets, cards, transactions and reimbursements, and an MCP server in beta gives read-only access.", "url": "https://www.anchorterminal.com/tools/bill", "markdownUrl": "https://www.anchorterminal.com/tools/bill.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/bill.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/bill.json", "license": "Proprietary service under the BILL Developer Terms and the BILL General Terms of Service", "transports": [ "http" ], "remoteUrl": "https://gateway.prod.bill.com/connect", "packages": [], "auth": "mixed", "authNotes": "Access is self-serve. A person signs up for a sandbox or production account in a browser and generates a developer key under Settings \u003e Sync \u0026 Integrations \u003e Manage Developer Keys after accepting the Developer Terms. The AP and AR API signs in with `POST /v3/login` using a username, password, organisation ID and `devKey`, and returns a `sessionId` that expires after 35 minutes idle and carries the user's role, with no scopes. Payments and bank account changes need a session trusted by multi-factor authentication. The Spend \u0026 Expense API takes an `apiToken` header that an ADMIN user generates, with no login. App partners request their developer key by email and use customer sync tokens that can't make payments. The MCP server uses OAuth through auth.bill.com with PKCE, and clients other than Claude and ChatGPT need approval by email.", "pricing": "freemium", "pricingNotes": "No separate API fee is published. bill.com/product/pricing lists API access on every plan. AP and AR plans are Essentials at $49, Team at $65 and Corporate at $89 per user per month, with Enterprise on request, and Spend \u0026 Expense at $0 per user per month, which needs an approved credit application. Payment types such as cheques, ACH and international transfers carry per-transaction fees. The sandbox is self-serve and free, and production has a 30-day trial. The Developer Terms mention API licence and development fees set on the developer site or an order form (checked 2026-10-08).", "priceSummary": "$49 / seat-mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the developer docs, the OpenAPI files or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://developer.bill.com/docs/home", "llmsTxt": "https://developer.bill.com/llms.txt", "openapi": "https://developer.bill.com/openapi/bill-v3-api.json", "capabilities": [ "spend.transactions", "spend.expenses", "spend.cards", "spend.bills", "accounting.invoices" ], "tags": [ "hosted", "freemium", "api-key", "oauth", "mcp", "openapi", "llms-txt", "webhooks", "sandbox", "status-page", "soc2" ], "lastRelease": "2026-05-21", "graded": true, "anchor": { "graded": true, "score": 60.9, "grade": "C", "agentReady": false, "rank": 380, "ranked": true, "rankOf": 722, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 60, "maintenance": 32, "payments": 25, "reliability": 81, "schema": 83, "security": 56, "transparency": 66 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "A public OpenAPI 3.0.1 spec covers 326 operations, a self-serve sandbox moves no money, and payments need a session trusted by multi-factor authentication. The AP and AR API signs in with a user's password and has no scopes, no idempotency key protects payment calls, and no official SDK was found.", "bestFor": "A US company already on BILL that wants an agent to create and read bills, run approvals, schedule vendor payments, raise invoices and manage budgets, vendor cards, card transactions and reimbursements.", "strengths": [ "Two public OpenAPI 3.0.1 files cover 326 operations, with llms.txt, a Markdown copy of every docs page and a docs MCP server at `https://developer.bill.com/mcp`", "Creating a payment, adding a funding bank account and enabling vendor auto-pay need an API session trusted by multi-factor authentication", "The sandbox is self-serve through a sign-up form, charges no subscription fee and moves no real money", "www.billcomstatus.com lists an API Servers component and shows no incident after 15 April 2026", "The Developer Terms commit BILL to commercially reasonable efforts at 30 days' notice of deprecations and breaking changes" ], "weaknesses": [ "`POST /v3/login` takes a user's username and password with a developer key, and the session carries that user's role with no scopes", "No idempotency key is accepted on the 203 write operations of the v3 API, payments included. `X-Idempotent-Key` exists only on two webhook subscription calls", "The MCP server is beta, read-only and limited to US organisations, and MCP clients other than Claude and ChatGPT need BILL's approval by email", "The changelog's latest entry is dated 21 May 2026, and the MCP server has no entry there", "No official SDK, sub-processor list, data processing agreement or security.txt was found, and the audit trail endpoint covers vendors only" ], "agentNotes": [ "Sign in with `POST /v3/login` and send `sessionId` and `devKey` as headers on every AP and AR call. The session expires after 35 minutes idle", "Send the `apiToken` header alone on `/v3/spend/` paths. Spend \u0026 Expense calls need no login and are limited to 60 a minute per token", "Complete the MFA challenge before `POST /v3/payments`. An untrusted session fails with `BDC_1361`", "Read back payments before retrying a failed `POST /v3/payments`. No idempotency key is accepted, so a blind retry can pay twice", "Keep to three concurrent requests per developer key per organisation and 20,000 an hour. After `BDC_1144`, wait for the next hour" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 60.9 } ], "editorialScores": { "ergonomics": 60, "maintenance": 32, "payments": 25, "reliability": 81, "schema": 83, "security": 56, "transparency": 44 }, "provenanceScore": 88 }, "connect": { "http": "curl --request POST \\\n--url 'https://gateway.stage.bill.com/connect/v3/login' \\\n--header 'content-type: application/json' \\\n--data '{\n \"username\": \"{username}\", \n \"password\": \"{password}\",\n \"organizationId\": \"{organization_id}\", \n \"devKey\": \"{developer_key}\"\n}'" }, "letme": { "capability": "https://letme.dev/spend.transactions", "tool": "https://letme.dev/bill" }, "area": "domain-data", "unitPrices": [ { "item": "Spend \u0026 Expense", "unit": "seat-month", "usd": 0, "note": "API access listed. Needs an approved credit application" }, { "item": "AP and AR Essentials", "unit": "seat-month", "usd": 49, "note": "API access listed. Per-transaction payment fees apply" }, { "item": "AP and AR Team", "unit": "seat-month", "usd": 65, "note": "API access listed" }, { "item": "AP and AR Corporate", "unit": "seat-month", "usd": 89, "note": "Enterprise is priced on request" } ], "provenance": { "legalEntity": "Bill.com, LLC", "domain": "bill.com", "domainRegistered": "1994-11-03", "endpointOnVendorDomain": true, "terms": "https://developer.bill.com/docs/bill-developer-terms", "privacy": "https://www.bill.com/privacy", "statusPage": "https://www.billcomstatus.com", "changelog": "https://developer.bill.com/changelog", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The Developer Terms (effective 3 March 2026) are between the developer and Bill.com, LLC and its affiliates, and are accepted when a developer key is generated. The parent company named in the privacy notice is BILL Holdings, Inc.", "The BILL Privacy Notice (effective 30 January 2026) names BILL Holdings, Inc. and its subsidiaries Bill.com, LLC, DivvyPay, LLC and Invoice2go, LLC, of San Jose, California.", "The API answers at gateway.prod.bill.com and gateway.stage.bill.com, and OAuth for the MCP server at auth.bill.com. The docs send card number decoding to api.divvy.co, a second domain of the vendor's.", "The status page is on a separate domain, www.billcomstatus.com, linked from the developer docs. status.bill.com and trust.bill.com didn't answer.", "www.bill.com/.well-known/security.txt and www.bill.com/security.txt return 404. The security page sends reports to a HackerOne vulnerability disclosure programme.", "The BILL General Terms of Service (last updated 10 February 2025) and separate Spend \u0026 Expense terms govern a customer's account. No data processing agreement or sub-processor list was found on the legal index.", "RDAP for bill.com gives a registration date of 1994-11-03 and GoDaddy Corporate Domains, LLC as registrar." ], "score": 88 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/bill.json", "live": { "slug": "bill", "probe": { "target": "https://gateway.prod.bill.com/connect", "method": "get", "lastAt": "2026-10-08T21:12:05.582437227Z", "lastOk": true, "lastStatus": 403, "lastMs": 464, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 440, "p95ms24h": 521, "samples24h": 21, "samples30d": 21, "days": [ { "date": "2026-10-08", "probes": 21, "ok": 21 } ] }, "vendorStatus": { "page": "https://www.billcomstatus.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T21:05:52.445436869Z" }, "updatedAt": "2026-10-08T21:12:05.582437227Z" } }, "answer": "BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security \u0026 auth and maintenance \u0026 community.", "b": { "slug": "ramp", "name": "Ramp", "vendor": "Ramp Business Corporation", "vendorUrl": "https://ramp.com", "kind": "http-api", "category": "spend-management", "summary": "Ramp is a finance platform with company cards, expense management, bill pay, procurement and travel. Its Developer API reads and writes transactions, receipts, funds, bills and purchase orders. A hosted MCP server and CLI work with the signed-in user's permissions.", "url": "https://www.anchorterminal.com/tools/ramp", "markdownUrl": "https://www.anchorterminal.com/tools/ramp.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/ramp.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/ramp.json", "repo": "https://github.com/ramp-public/ramp-cli", "license": "Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT", "transports": [ "http" ], "remoteUrl": "https://api.ramp.com", "packages": [], "auth": "oauth", "authNotes": "Access is self-serve for a Ramp customer. An admin creates an app at Company \u003e Developer, accepts the terms, and picks grant types and scopes. Client credentials tokens are requested from `/developer/v1/token` with HTTP Basic auth, last 10 days and act with the app creator's permissions. The authorisation code grant is for apps acting for other businesses, with one-hour access tokens by default, optional refresh tokens, and consent limited to Admin and Business Owner users. Scopes follow `resource:read` and `resource:write`, and `cards:read_vault` needs a production review by Ramp. The MCP server and CLI use OAuth and work with the signed-in user's permissions, and custom MCP clients need their redirect URI allowlisted by Ramp.", "pricing": "freemium", "pricingNotes": "No separate API fee is published. ramp.com/pricing lists Free at $0 per user per month, Plus at $15 per user per month plus a platform fee by team size, and Enterprise on request, with a 30-day Plus trial. The OpenAPI spec marks 51 of 260 operations as needing Plus. Access needs an approved Ramp business account, so an agent can't start without one. A sandbox at demo-api.ramp.com is available on request through a form. The API Agreement reserves the right to charge API fees (checked 2026-10-08).", "priceSummary": "$15 / seat-mo", "where": "hosted", "x402": { "level": "no", "evidence": "Ramp's own API isn't paid for by x402, MPP or L402. Ramp lets a connected agent pay other sellers by x402 from a funded wallet, or by Stripe MPP, per the agentic payments guide (https://docs.ramp.com/llms-guides/agent-payments.txt, checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 53, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.ramp.com", "llmsTxt": "https://docs.ramp.com/llms.txt", "openapi": "https://docs.ramp.com/openapi/developer-api.json", "capabilities": [ "spend.transactions", "spend.expenses", "spend.cards", "spend.bills", "spend.procurement" ], "tags": [ "hosted", "freemium", "oauth", "mcp", "cli", "openapi", "llms-txt", "webhooks", "sandbox", "soc2", "pci-dss", "security-txt" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 57.3, "grade": "C", "agentReady": false, "rank": 478, "ranked": true, "rankOf": 722, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 66, "maintenance": 74, "payments": 25, "reliability": 30, "schema": 86, "security": 79, "transparency": 70 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": -3, "negativeNotes": [ "2026-06-25 and 2026-02-11. The changelog records the webhook event type `transactions.all_requirements_met_and_approved` removed on 25 June 2026, three days after the 22 June entry marked it a deprecated alias, and `functional_currency_amount` dropped from default transaction responses on 11 February 2026. Both are documented on the day they shipped and the first names a replacement. Notice by email couldn't be checked, so the smallest deduction applies (https://docs.ramp.com/developer-api/v1/changelog)." ], "verdict": "OAuth 2.0 scopes split read from write across about 40 resources, a 260-operation OpenAPI spec is public, and an audit log endpoint records actions by user and agent. No public status page was found, 89 operations are marked beta, the API Agreement allows changes without notice, and idempotency keys cover only eight write operations.", "bestFor": "A finance team already on Ramp that wants an agent to read transactions, upload receipts, code and split expenses, issue funds with limits, create bills and work with purchase orders and procurement requests.", "strengths": [ "Public OpenAPI 3.0.2 spec with 260 operations, plus llms.txt and a plain-text export of every guide and the API reference", "OAuth 2.0 scopes follow `resource:read` and `resource:write`, tokens are bound to scopes at issue, and `POST /developer/v1/token/revoke` invalidates them", "`GET /developer/v1/audit-logs/events` filters events by user, date, event type and actor type, including Ramp's own agents", "A sandbox at demo-api.ramp.com and demo.ramp.com moves no real money and has demo actions that create test transactions", "The changelog is dated to the day, with 26 dated entries between 15 July and 7 October 2026 and an RSS feed" ], "weaknesses": [ "No public status page was found. status.ramp.com doesn't resolve, and no status link appears in the docs, help centre or trust centre pages read", "89 of 260 operations carry `x-beta`, among them creating a fund and splitting a transaction, and the MCP guide says the server is subject to change", "`X-Idempotency-Key` is accepted on 8 of 155 write operations. Creating a bill, a purchase order or a vendor has none", "The API Agreement says Ramp may change or discontinue the APIs at any time with or without notice", "No official SDK was found in the docs, and 51 operations (custom records, purchase orders, the audit log) need the paid Plus plan" ], "agentNotes": [ "Send `scope` on the client credentials token request. Without it Ramp issues a token with no scopes and every resource call fails with 403", "Follow the full URL in `next` to page. `page_size` defaults to 20 and stops at 100, and the cursor is opaque", "Stay under 200 requests in any 10 seconds per source IP and back off 1, 2 then 4 seconds on 429. No Retry-After header is documented", "Don't use `synced_after` or `from_created_at` to find changed records. Bills and transactions have no updated-at filter, so subscribe to webhooks", "Send `X-Idempotency-Key` when creating funds or procurement requests. Elsewhere a retried POST can create a duplicate, so read back before retrying" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 57.3 } ], "editorialScores": { "ergonomics": 66, "maintenance": 74, "payments": 25, "reliability": 30, "schema": 86, "security": 79, "transparency": 55 }, "provenanceScore": 84 }, "connect": { "install": "curl -fsSL https://agents.ramp.com/install.sh | sh", "http": "curl https://api.ramp.com/developer/v1/transactions \\\n -H \"Authorization: Bearer $RAMP_ACCESS_TOKEN\"" }, "letme": { "capability": "https://letme.dev/spend.transactions", "tool": "https://letme.dev/ramp" }, "area": "domain-data", "unitPrices": [ { "item": "Free plan", "unit": "seat-month", "usd": 0, "note": "No separate API fee is published" }, { "item": "Plus plan", "unit": "seat-month", "usd": 15, "note": "Plus a platform fee by team size, not stated. Enterprise is priced on request" } ], "provenance": { "legalEntity": "Ramp Business Corporation", "domain": "ramp.com", "domainRegistered": "1994-03-14", "endpointOnVendorDomain": true, "terms": "https://ramp.com/legal/developer-terms/developer-terms/api-agreement", "privacy": "https://ramp.com/legal/privacy-policy", "statusPage": "", "changelog": "https://docs.ramp.com/developer-api/v1/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The API Agreement (last updated 26 March 2026) names Ramp Business Corporation, 28 West 23rd Street, Floor 2, New York, NY 10010.", "The API answers at api.ramp.com and demo-api.ramp.com, and the MCP servers at mcp.ramp.com and demo-mcp.ramp.com.", "No status page was found. status.ramp.com doesn't resolve, and no status link appears in the docs, help centre, trust centre, home or pricing pages read on 8 October 2026.", "ramp.com/.well-known/security.txt gives security-external@ramp.com as the contact and expires on 18 March 2027.", "The Platform Agreement was last updated on 22 September 2026, the privacy policy on 21 August 2026 and the DPA on 10 July 2026. The legal pages render with JavaScript, and we read the published documents from the site's own script files.", "RDAP for ramp.com gives a registration date of 1994-03-14 and Cloudflare, Inc. as registrar." ], "score": 84 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/ramp.json", "live": { "slug": "ramp", "probe": { "target": "https://api.ramp.com", "method": "get", "lastAt": "2026-10-08T21:12:19.549053742Z", "lastOk": true, "lastStatus": 401, "lastMs": 120, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 139, "p95ms24h": 194, "samples24h": 64, "samples30d": 64, "days": [ { "date": "2026-10-08", "probes": 64, "ok": 64 } ] }, "versions": [ { "registry": "github", "name": "ramp-public/ramp-cli", "version": "v0.2.54", "released": "2026-10-06", "seenAt": "2026-10-08T16:26:56.585492266Z" } ], "githubStars": 53, "securityTxt": { "url": "https://ramp.com/.well-known/security.txt", "state": "valid", "expires": "2027-03-18T19:00:00.000Z", "checkedAt": "2026-10-08T15:38:51.088112552Z" }, "pages": [ { "url": "https://docs.ramp.com/developer-api/v1/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:18.141617922Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "df9c69ecf0f3" }, { "url": "https://ramp.com/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:23:38.570721399Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" }, { "url": "https://ramp.com/legal/developer-terms/developer-terms/api-agreement", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:23:36.289237573Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" } ], "updatedAt": "2026-10-08T21:12:19.549053742Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "BILL Holdings, Inc.", "b": "Ramp Business Corporation", "name": "Vendor" }, { "a": "https://gateway.prod.bill.com/connect", "b": "https://api.ramp.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth", "name": "Auth" }, { "a": "Freemium", "b": "Freemium", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under the BILL Developer Terms and the BILL General Terms of Service", "b": "Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-05-21", "b": "2026-10-07", "name": "Last release" }, { "a": "2026-03-03", "b": "couldn't be read", "name": "Terms last updated" }, { "a": "2026-01-30", "b": "couldn't be read", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "53 stars", "name": "Popularity" } ], "faq": [ { "answer": "BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security \u0026 auth and maintenance \u0026 community.", "question": "Which is better for AI agents, BILL or Ramp?" }, { "answer": "BILL takes an API key or an OAuth sign-in. Ramp uses an OAuth sign-in.", "question": "Do BILL and Ramp need an API key?" }, { "answer": "Yes. BILL has a hosted endpoint at https://gateway.prod.bill.com/connect and Ramp at https://api.ramp.com.", "question": "Can an agent call BILL and Ramp without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 81 against 30" ], "also": [ "No incidents deducted, where Ramp loses 3 points for them" ], "goodFor": "A US company already on BILL that wants an agent to create and read bills, run approvals, schedule vendor payments, raise invoices and manage budgets, vendor cards, card transactions and reimbursements.", "slug": "bill", "watchFor": "`POST /v3/login` takes a user's username and password with a developer key, and the session carries that user's role with no scopes" }, { "aheadOn": [ "Agent ergonomics, 66 against 60", "Security \u0026 auth, 79 against 56", "Maintenance \u0026 community, 74 against 32" ], "also": null, "goodFor": "A finance team already on Ramp that wants an agent to read transactions, upload receipts, code and split expenses, issue funds with limits, create bills and work with purchase orders and procurement requests.", "slug": "ramp", "watchFor": "No public status page was found. status.ramp.com doesn't resolve, and no status link appears in the docs, help centre or trust centre pages read" } ], "job": { "capability": "spend.transactions", "name": "Spend transactions" }, "others": [ { "json": "https://www.anchorterminal.com/compare/airwallex-vs-bill.json", "title": "Airwallex Spend and Issuing vs BILL", "url": "https://www.anchorterminal.com/compare/airwallex-vs-bill" }, { "json": "https://www.anchorterminal.com/compare/airwallex-vs-ramp.json", "title": "Airwallex Spend and Issuing vs Ramp", "url": "https://www.anchorterminal.com/compare/airwallex-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/bill-vs-brex.json", "title": "BILL vs Brex", "url": "https://www.anchorterminal.com/compare/bill-vs-brex" }, { "json": "https://www.anchorterminal.com/compare/bill-vs-expensify.json", "title": "BILL vs Expensify", "url": "https://www.anchorterminal.com/compare/bill-vs-expensify" }, { "json": "https://www.anchorterminal.com/compare/bill-vs-mercury.json", "title": "BILL vs Mercury API", "url": "https://www.anchorterminal.com/compare/bill-vs-mercury" }, { "json": "https://www.anchorterminal.com/compare/bill-vs-pleo.json", "title": "BILL vs Pleo API + MCP", "url": "https://www.anchorterminal.com/compare/bill-vs-pleo" }, { "json": "https://www.anchorterminal.com/compare/bill-vs-spendesk.json", "title": "BILL vs Spendesk API + MCP", "url": "https://www.anchorterminal.com/compare/bill-vs-spendesk" }, { "json": "https://www.anchorterminal.com/compare/brex-vs-ramp.json", "title": "Brex vs Ramp", "url": "https://www.anchorterminal.com/compare/brex-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/expensify-vs-ramp.json", "title": "Expensify vs Ramp", "url": "https://www.anchorterminal.com/compare/expensify-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/mercury-vs-ramp.json", "title": "Mercury API vs Ramp", "url": "https://www.anchorterminal.com/compare/mercury-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/pleo-vs-ramp.json", "title": "Pleo API + MCP vs Ramp", "url": "https://www.anchorterminal.com/compare/pleo-vs-ramp" }, { "json": "https://www.anchorterminal.com/compare/ramp-vs-spendesk.json", "title": "Ramp vs Spendesk API + MCP", "url": "https://www.anchorterminal.com/compare/ramp-vs-spendesk" } ], "scores": [ { "bill": 81, "by": 51, "edge": "bill", "key": "reliability", "name": "Reliability", "ramp": 30, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "bill": 83, "by": 3, "edge": "ramp", "key": "schema", "name": "Schema \u0026 documentation", "ramp": 86, "weight": 13 }, { "bill": 60, "by": 6, "edge": "ramp", "key": "ergonomics", "name": "Agent ergonomics", "ramp": 66, "weight": 13 }, { "bill": 56, "by": 23, "edge": "ramp", "key": "security", "name": "Security \u0026 auth", "ramp": 79, "weight": 14 }, { "bill": 25, "by": 0, "edge": "", "key": "payments", "name": "Payments \u0026 pricing", "ramp": 25, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "bill": 32, "by": 42, "edge": "ramp", "key": "maintenance", "name": "Maintenance \u0026 community", "ramp": 74, "weight": 7 }, { "bill": 66, "by": 4, "edge": "ramp", "key": "transparency", "name": "Transparency \u0026 trust", "ramp": 70, "weight": 7 } ], "summary": "BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security \u0026 auth and maintenance \u0026 community. Both do spend transactions.", "verdicts": { "bill": "A public OpenAPI 3.0.1 spec covers 326 operations, a self-serve sandbox moves no money, and payments need a session trusted by multi-factor authentication. The AP and AR API signs in with a user's password and has no scopes, no idempotency key protects payment calls, and no official SDK was found.", "ramp": "OAuth 2.0 scopes split read from write across about 40 resources, a 260-operation OpenAPI spec is public, and an audit log endpoint records actions by user and agent. No public status page was found, 89 operations are marked beta, the API Agreement allows changes without notice, and idempotency keys cover only eight write operations." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/bill-vs-ramp", "json": "https://www.anchorterminal.com/compare/bill-vs-ramp.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/bill-vs-ramp.md", "slim": "https://www.anchorterminal.com/compare/bill-vs-ramp.min.md" }, "markdown": "BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security \u0026 auth and maintenance \u0026 community. Both do spend transactions.\n\n- BILL: grade C, 60.9/100, rank #380 of 722. Markdown https://www.anchorterminal.com/tools/bill.md · JSON https://www.anchorterminal.com/api/v1/tools/bill.json\n- Ramp: grade C, 57.3/100, rank #478 of 722. Markdown https://www.anchorterminal.com/tools/ramp.md · JSON https://www.anchorterminal.com/api/v1/tools/ramp.json\n\n## Which one, for what\n\n### BILL (C)\n\nGood for: A US company already on BILL that wants an agent to create and read bills, run approvals, schedule vendor payments, raise invoices and manage budgets, vendor cards, card transactions and reimbursements.\n\nAhead on:\n- Reliability, 81 against 30\n\nAlso in its favour:\n- No incidents deducted, where Ramp loses 3 points for them\n\nWatch for: `POST /v3/login` takes a user's username and password with a developer key, and the session carries that user's role with no scopes\n\n### Ramp (C)\n\nGood for: A finance team already on Ramp that wants an agent to read transactions, upload receipts, code and split expenses, issue funds with limits, create bills and work with purchase orders and procurement requests.\n\nAhead on:\n- Agent ergonomics, 66 against 60\n- Security \u0026 auth, 79 against 56\n- Maintenance \u0026 community, 74 against 32\n\nWatch for: No public status page was found. status.ramp.com doesn't resolve, and no status link appears in the docs, help centre or trust centre pages read\n\n\n## Score by category\n\n| Category | Weight | BILL | Ramp | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 81 | 30 | BILL +51 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 83 | 86 | Ramp +3 |\n| Agent ergonomics | 13% (16.2 this run) | 60 | 66 | Ramp +6 |\n| Security \u0026 auth | 14% (17.5 this run) | 56 | 79 | Ramp +23 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 25 | 25 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 32 | 74 | Ramp +42 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 66 | 70 | Ramp +4 |\n| Negative events | ≤15 | 0 | -3 | |\n| **Total** | | **60.9 · C** | **57.3 · C** | |\n\n## Facts side by side\n\n| Fact | BILL | Ramp |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | BILL Holdings, Inc. | Ramp Business Corporation |\n| Hosted endpoint | `https://gateway.prod.bill.com/connect` | `https://api.ramp.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | Proprietary service under the BILL Developer Terms and the BILL General Terms of Service | Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-05-21 | 2026-10-07 |\n| Terms last updated | 2026-03-03 | couldn't be read |\n| Privacy policy last updated | 2026-01-30 | couldn't be read |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | not found in the text | couldn't be read |\n| Terms restrict benchmarking | not found in the text | couldn't be read |\n| Terms or service can change without notice | not found in the text | couldn't be read |\n| Arbitration or class-action waiver | not found in the text | couldn't be read |\n| Popularity | none | 53 stars |\n\n## Verdicts\n\n**BILL.** A public OpenAPI 3.0.1 spec covers 326 operations, a self-serve sandbox moves no money, and payments need a session trusted by multi-factor authentication. The AP and AR API signs in with a user's password and has no scopes, no idempotency key protects payment calls, and no official SDK was found.\n\n**Ramp.** OAuth 2.0 scopes split read from write across about 40 resources, a 260-operation OpenAPI spec is public, and an audit log endpoint records actions by user and agent. No public status page was found, 89 operations are marked beta, the API Agreement allows changes without notice, and idempotency keys cover only eight write operations.\n\n## Before you call either\n\n### BILL\n\n1. Sign in with `POST /v3/login` and send `sessionId` and `devKey` as headers on every AP and AR call. The session expires after 35 minutes idle\n2. Send the `apiToken` header alone on `/v3/spend/` paths. Spend \u0026 Expense calls need no login and are limited to 60 a minute per token\n3. Complete the MFA challenge before `POST /v3/payments`. An untrusted session fails with `BDC_1361`\n4. Read back payments before retrying a failed `POST /v3/payments`. No idempotency key is accepted, so a blind retry can pay twice\n5. Keep to three concurrent requests per developer key per organisation and 20,000 an hour. After `BDC_1144`, wait for the next hour\n\n### Ramp\n\n1. Send `scope` on the client credentials token request. Without it Ramp issues a token with no scopes and every resource call fails with 403\n2. Follow the full URL in `next` to page. `page_size` defaults to 20 and stops at 100, and the cursor is opaque\n3. Stay under 200 requests in any 10 seconds per source IP and back off 1, 2 then 4 seconds on 429. No Retry-After header is documented\n4. Don't use `synced_after` or `from_created_at` to find changed records. Bills and transactions have no updated-at filter, so subscribe to webhooks\n5. Send `X-Idempotency-Key` when creating funds or procurement requests. Elsewhere a retried POST can create a duplicate, so read back before retrying\n\n## Questions\n\n### Which is better for AI agents, BILL or Ramp?\n\nBILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security \u0026 auth and maintenance \u0026 community.\n\n### Do BILL and Ramp need an API key?\n\nBILL takes an API key or an OAuth sign-in. Ramp uses an OAuth sign-in.\n\n### Can an agent call BILL and Ramp without installing anything?\n\nYes. BILL has a hosted endpoint at https://gateway.prod.bill.com/connect and Ramp at https://api.ramp.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/bill-vs-ramp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/bill-vs-ramp.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"bill\", \"b\": \"ramp\"}`. From a terminal: `anchor compare bill ramp`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/bill.json and https://www.anchorterminal.com/api/v1/tools/ramp.json\n\n## Other comparisons with BILL or Ramp\n\n- [Airwallex Spend and Issuing vs BILL](https://www.anchorterminal.com/compare/airwallex-vs-bill.md)\n- [Airwallex Spend and Issuing vs Ramp](https://www.anchorterminal.com/compare/airwallex-vs-ramp.md)\n- [BILL vs Brex](https://www.anchorterminal.com/compare/bill-vs-brex.md)\n- [BILL vs Expensify](https://www.anchorterminal.com/compare/bill-vs-expensify.md)\n- [BILL vs Mercury API](https://www.anchorterminal.com/compare/bill-vs-mercury.md)\n- [BILL vs Pleo API + MCP](https://www.anchorterminal.com/compare/bill-vs-pleo.md)\n- [BILL vs Spendesk API + MCP](https://www.anchorterminal.com/compare/bill-vs-spendesk.md)\n- [Brex vs Ramp](https://www.anchorterminal.com/compare/brex-vs-ramp.md)\n- [Expensify vs Ramp](https://www.anchorterminal.com/compare/expensify-vs-ramp.md)\n- [Mercury API vs Ramp](https://www.anchorterminal.com/compare/mercury-vs-ramp.md)\n- [Pleo API + MCP vs Ramp](https://www.anchorterminal.com/compare/pleo-vs-ramp.md)\n- [Ramp vs Spendesk API + MCP](https://www.anchorterminal.com/compare/ramp-vs-spendesk.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "BILL vs Ramp", "url": "" } ], "description": "BILL scores 60.9 (C) on agent readiness against Ramp's 57.3 (C), and leads in 1 of 7 scored categories. Ramp leads on agent ergonomics, security \u0026 auth and maintenance \u0026 community. Both do spend transactions. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "BILL C 60.9", "Ramp C 57.3", "scores" ], "h1": "BILL vs Ramp", "image": "https://www.anchorterminal.com/assets/og/compare-bill-vs-ramp.png", "path": "/compare/bill-vs-ramp", "published": "2026-10-01", "section": "tools", "title": "BILL vs Ramp for AI agents, C 60.9 vs C 57.3 | Anchor Terminal", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/bill-vs-ramp" }, "tokens": { "markdown": 2100, "slim": 730 }, "version": 1 }