Last updated November 14, 2026
If you use Bill360 to send invoices and get paid, you have until November 30 to move them somewhere else.
Quick answer: Yes, Bill360 (bill360.com), the Tampa, Florida based accounts receivable and payments platform, is shutting down on December 1, 2026, and told customers on November 9. From December 1, Bill360 login stops working, and you won't be able to use payment links, accept payments or sync to QuickBooks. Bill360's terms also let it hold part of your money for at least 180 days after your account closes. If you use Bill360, do three things now: export your data, ask Bill360 how much of your money it's holding, and move your invoicing before December 1.
Bill360 is a separate company from BILL (Bill.com). If you're looking at Nickel, the starting plan is $0, ACH is free, and you can be live this week.
Short on time? Jump to our Bill360 shutdown checklist.
What happened to Bill360?
Bill360 hasn't said why it's closing, and no buyer has been announced.
Bill360 was accounts receivable software for getting paid. Businesses used it to email invoices with a "pay now" link, take card and bank payments, and have those payments land in QuickBooks without anyone retyping them.
It started in Tampa, Florida around 2021. Its founder, Paul Hunter, had already built and sold a payment processor, Sterling Payment Technologies. Bill360's own blog tells the origin story as "From van life to fintech."
The company raised about $37.5 million and built a loyal base of pool service companies, commercial printers, and trade contractors. Many of them ran QuickBooks Desktop.
Is Bill360 shutting down?
Yes: on November 9, 2026, Bill360 told customers it will cease operations on December 1, 2026. That gave you about three weeks to move your invoicing and payments.
Not everyone got the notice. Some customers received it by email on November 9 or 10, and others heard secondhand. We heard from one owner who found out from another software vendor, because Bill360 "didn't even send out emails."
If a colleague or customer of yours uses Bill360, please pass this along.
Bill360 shutdown timeline
| Date | What happens |
|---|---|
| November 9, 2026 | Bill360 notifies customers it is closing |
| Now until November 30 | You can still use Bill360 login, take payments, and export your records |
| December 1, 2026 | You can't log in, take payments, or sync your accounting anymore |
| Late May 2027, at the earliest | The 180-day reserve hold in Bill360's terms ends |
If you have questions about your account, contact Bill360 support before December 1.
Can I still log in to Bill360?
Yes, until November 30, 2026. From December 1, Bill360 login stops working, along with payment links and the QuickBooks sync, so log in now and export your records and payment history. If your customers pay through Bill360's customer portal, their access ends on December 1 too, so send them your new payment links before then.
What happens to my Bill360 invoices, payments, and funds?
You'll feel it in your cash flow first: on December 1, your payment links break, your customers' saved payment methods stay behind, and QuickBooks stops updating.
- Your payment links stop working. Every open invoice you sent through Bill360 links to a dead page after December 1, and most customers will wait rather than call to ask why.
- Your customers' saved payment methods stay with Bill360. Their saved cards and bank accounts sit with Bill360, not anywhere you control. Unless Bill360 transfers them before December 1, every autopay customer has to enter their details again, and any who don't will pay late.
- You wait longer to get paid. Re-sending invoices, re-collecting bank details and answering "how do I pay you now?" emails add days to every receivable. On 30-day terms, that can leave a two-week gap in your cash flow.
- Your books drift. Without the accounting sync, payments stop closing invoices in QuickBooks automatically. Someone on your team ends up reconciling by hand during the busiest month of the year.
- Your money can be held for six months or more. Bill360's terms let it, or the bank behind it, set a reserve at an amount it decides alone and raise it at any time. It can keep the reserve, and the interest on it, for at least 180 days after your account closes, and you have to keep the bank account it pays into open that long. It can also take money you owe it, such as chargebacks, straight from your bank account without notice.
- Your 1099-K comes from a company that's closing. Bill360's terms say it may report your payments to the IRS on Form 1099-K, which is due to you by January 31. Ask Bill360 who will send your 2026 form, and export your payment history now so you can check it at year-end close.
None of this puts your business at risk if you plan the move before December 1.
What should I look for in a replacement?
Keep what worked on Bill360 (payment links and an accounting sync) and fix what didn't (payment caps, ACH fees, debit card fees and a second tool for bills).
We've been talking with Bill360 customers every day since the notice went out, and almost nobody wants a bigger system. One restoration contractor told us most payment platforms "also do a million other things," like scheduling and job management, and he didn't need any of it.
- Simple AR that fits your books. Payment links, ACH and cards, and a sync with the QuickBooks Online, QuickBooks Desktop or Xero you already run, without training your whole team on something new.
- No cap on big payments. One contractor told us Bill360 capped the size of a single payment, so customers with bigger invoices "would have to break up their payments."
- ACH that's free both ways. Bill360 only took payments in, so many of its customers paid vendors with a second tool. One contractor told us his charged $25 per ACH, so he'd gone back to mailing paper checks, which he called "absurd." Our guide to avoiding QuickBooks ACH fees walks you through the options.
- Card fees passed on for credit and debit cards. Bill360's terms ban surcharges on debit and prepaid cards, so you absorbed the fee on every debit card payment. Look for a tool that adds the fee at checkout for both, automatically.
- Team access without opening the books. Your project managers and office staff should be able to send invoices without logging in to your accounting software.
- Partial payments. Your customers can pay part of an invoice, the invoice stays open until the balance reaches zero, and each payment is recorded against it in your accounting software. You're not creating and chasing a new invoice for every installment.
- One place to get paid and pay bills. Many Bill360 customers used a second tool for payables. "Melio is to pay bills and Bill360 is to receive payments," one owner told us, and she didn't like juggling both.
- Prices you can see before you sign. After one provider shut down on you, a quote-only price and a long contract are reasons for caution.
Where should I move my invoicing and payments?
We're biased, but Nickel covers the Bill360 features most customers rely on, and adds bill pay and Nickel Banking.
That means invoices with payment links, card and free ACH payments, reminders, autopay, partial payments, and a sync with QuickBooks Online, QuickBooks Desktop and Xero. You can pass card fees on to your customers for both credit and debit cards. The starting plan on our pricing page is $0, and our team can do most of the switch for you.
What should I do before the Bill360 shutdown on December 1?
If you use Bill360, start with your data and your money, then move your open invoices and autopay customers to your new provider. Every step works with any provider, and Nickel can do most of them for you.
- Export everything while you can still log in. Download your customer lists, open and paid invoices, payment history and any reports you use for taxes or audits. Save them outside Bill360.
- Ask Bill360 three questions in writing. How much of your money is it holding in reserve, and on what date will you get it back? Will it transfer your customers' saved cards and bank accounts to your new provider? Who will send your 2026 Form 1099-K?
- List every open invoice and autopay customer. These are the payments most at risk. Note who pays by card, by ACH and on a fixed schedule.
- Set up your new provider and connect your accounting software. Do this before you re-send anything, so new payments land in your books.
- Re-send open invoices with your new payment links. Let your customers know the link changed.
- Move recurring customers to autopay. Ask them to save a card or bank account with your new provider once, so future invoices collect on their own.
- Tell your customers before December 1. A short email saying "we've moved our payments, here's your new link" prevents most of the confusion. We're happy to share a template.
Nickel can do steps 1 and 3 to 6 for you. Our team has tooling that automates the move. Talk to our team and we'll set it up, so you don't have to do anything to switch over.
FAQs
When does Bill360 shut down?
December 1, 2026. Bill360 told customers on November 9, 2026, and until November 30 you can still log in, take payments and export your records.
I got an invoice through Bill360. How do I pay it?
Use the payment link in the invoice until November 30, 2026. After that, the link stops working, so ask the business that sent the invoice for a new way to pay.
Will my customers' saved cards and bank accounts transfer to a new provider?
Only if Bill360 transfers them. They're stored with Bill360, not in QuickBooks, so ask Bill360 in writing before December 1. If it won't, ask your autopay customers to save their details again before their next invoice.
Will Bill360 hold back any of my money?
It can: Bill360's terms of service let it hold a reserve, in an amount it sets, for at least 180 days after your account closes, so until at least late May 2027. You earn no interest on it, and you have to keep the bank account it pays into open for those 180 days. Ask Bill360 in writing how much it's holding and when you'll get it back.
Is my money safe if Bill360 shuts down?
What's at risk is money that hasn't reached your bank account yet: payments still settling, and any reserve. Bill360's terms of service say it isn't a bank and doesn't hold your funds; its sponsor bank settles your payments to your bank account by ACH and keeps any reserve. FDIC insurance covers the failure of an insured bank, not the failure of a nonbank company like Bill360.
Ask Bill360 in writing which bank holds your unsettled funds and when they'll reach your account.
How do I export my Bill360 data?
Log in before December 1 and download your customer lists, open and paid invoices, payment history and any tax or audit reports. Save them outside Bill360, because there's no sign yet that your invoice history can move to another provider automatically.
What do my customers need to do?
Pay from the new link you send them. Bill360's payment links stop working on December 1, so re-send your open invoices from your new provider and let customers know the link changed. Customers on autopay will need to save a card or bank account again.
Get paid after December 1
Start free with Nickel or talk to our team, and we'll help you move.
