BILL Holdings, Inc., formerly Bill.com Holdings, Inc., is a provider of cloud-based software that digitizes and automates financial operations for small and midsize businesses (SMBs). The Company's artificial-intelligence (AI)-enabled financial software platform creates connections between its customers, their suppliers, and their clients. Customers use its platform to generate and process invoices, streamline approvals, make and receive payments, manage employee expenses, sync with their accounting systems, and manage their cash. Through its platform customers can view their cash in-flows and outflows as well as bills coming due. It also offers document management and bill capture. It offers various payment services, including automated clearing house (ACH) payments, card payments, real-time payments (RTP), checks, and cross-border payments. It also offers value-added services, such as two-way sync with accounting systems, purchase order (PO) matching, and treasury services.