Best Accounts Payable Software in 2026

BILL Holdings, headquartered in San Jose, California, is a publicly listed financial-operations platform for small and mid-sized businesses and their accountants. Its annual report for the fiscal year ended 30 June 2026 states that about 479,300 businesses used its solutions, processing about US$371.3 billion in total payment volume during the year, and that about 9.2 million network members had paid or received funds electronically through the platform.

The platform covers accounts payable, accounts receivable, spend and expense management, forecasting, procurement and, more recently, travel booking. Its AP features include automated invoice capture and coding, approval routing, duplicate-invoice detection, two-way purchase-order matching on the Corporate plan and two-way sync with leading accounting software. BILL also offers credit lines from US$1,000 to US$5 million.

Pricing is per user: Essentials US$49, Team US$65 and Corporate US$89 per user per month, with an Enterprise tier quoted separately. Payments add per-transaction fees, such as US$0.59 per ACH payment and US$1.99 per mailed cheque, while virtual-card payments are free. Per-user pricing becomes expensive for organisations with many approvers.

AvidXchange is a US provider of accounts payable automation and payment software for mid-sized businesses. Until October 2025 its shares traded on the Nasdaq Global Select Market under the symbol AVDX.

On 15 October 2025 AvidXchange completed its merger with affiliates of TPG Global under an agreement dated 6 May 2025. Each share of common stock was converted into the right to receive US$10.00 in cash, and the company became a wholly owned subsidiary of the TPG-controlled parent, in which Corpay, Inc. is also an investor. Its shares were subsequently delisted.

AvidXchange combines invoice capture and approval software with supplier payments. Since going private it no longer publishes quarterly results, so recent customer and payment figures are not available from filings, and it does not publish prices. Corpay, Inc., another business-payments company, is an investor in its parent.

Ramp is a spend-management company that combines corporate cards, expense management, accounts payable, procurement and treasury in one platform; it says more than 85,000 businesses run on Ramp.

Its accounts payable product uses OCR that Ramp says captures invoice details and line items with 99% accuracy, an AI agent that codes invoices by learning from past ones, two- and three-way matching to catch overbilling, and real-time sync with ERP systems. The Plus plan adds auto-coded line items, AI-driven approval recommendations, batch payments and payment-release approvals, and procurement is available as an add-on.

Ramp's Free plan costs nothing and includes free wires and same-day ACH through Bill Pay, QuickBooks Online and Xero integrations and basic accounting rules. Plus costs US$15 per user per month plus a platform fee based on team size, with 20% off for annual billing; Enterprise is custom and adds integrations such as Workday and Oracle Fusion Cloud. Its higher tiers' platform fee is not published, so total cost for larger teams requires a quote.

Tipalti was founded in 2010 to replace outdated, disparate payment systems, and now sells accounts payable automation and mass payments for businesses paying suppliers and large, distributed payee networks across borders.

The AP product handles supplier onboarding through a self-service portal in 27 languages, W-9 and W-8 tax form collection, global tax validation, invoice scanning in formats from e-invoices to Excel, purchase-order matching, approvals and reconciliation, and integrates with ERPs including NetSuite and Sage Intacct. AI agents assist with reporting, bill approvals, invoice and tax-form scanning, ERP sync and PO matching. Additional modules cover expenses, procurement and treasury.

Tipalti publishes starting prices: AP plans from US$99 a month and global payables plans from US$249 a month, both including unlimited users and a supplier or payee portal, with transaction fees charged per payment. The transaction fees are not listed on the pricing page, so total cost depends on payment volume and destinations.

Melio is a US bill-payment platform for small businesses that integrates accounting and payments, offering simple accounts payable workflows to small firms and their accountants. Xero completed its acquisition of Melio for US$2.5 billion on 15 October 2025, with additional contingent payments of up to US$500 million to Melio employees over three years.

Melio lets businesses pay vendors and contractors by ACH, wire or cheque, pay any bill by card, and pay internationally in US dollars or local currencies. It includes AI bill capture, a dedicated bills inbox, batch payments, custom approval workflows, an AI assistant and sync with QuickBooks Online, Xero and NetSuite.

The free plan, limited to one user, includes five free ACH payments a month. Core costs US$25 a month (US$20 annually) with 20 free ACH payments, Boost US$55 (US$44 annually) with 50, and Unlimited US$80 (US$64 annually) with unlimited free ACH and users; after free payments are used, each ACH costs US$0.50. Melio's plans included a six-month free Xero subscription at review. It lacks the PO matching and ERP depth of mid-market tools.

Stampli is a procure-to-pay platform covering procurement, accounts payable, vendor management, payments, expense management, reimbursements and cards. It says more than 2,000 customers use its platform, representing 15,000 entities, with more than 400,000 invoices processed every week and over US$400 billion in cumulative spend processed.

Its AI agent, Billy, is marketed as doing 89% of finance work, and Stampli Deep Finance turns finance questions into analyses.

Stampli does not publish prices; its pricing page routes buyers to sales. Its customer base of multi-entity organisations suggests a mid-market focus, and very small businesses are likely to find cheaper options among the bill-pay tools above.

Basware is a provider of enterprise accounts payable automation and e-invoicing for large and multinational organisations. It says its AI runs on the world's largest AP dataset, citing coverage of more than 190 countries, more than 2.5 billion invoices processed, more than 1 billion AI actions executed a year, US$10 trillion in payments approved and a 98% customer retention rate.

Basware's offering combines invoice receipt through an e-invoicing network and scanning, AI-driven processing (marketed as InvoiceAI), matching and approval, and compliance with country e-invoicing mandates; it emphasises that AI decisions are governed, protected and auditable.

Basware is aimed at enterprises with high invoice volumes across many countries, particularly where e-invoicing is mandatory. It does not publish prices, implementation projects are typical, and it is not designed for small businesses.

Esker is a software company whose cloud platform automates both procure-to-pay (purchasing, accounts payable, expenses) and order-to-cash (order processing, invoice delivery, payments, collections) processes. It says it is trusted by more than 3,000 businesses worldwide.

On the AP side, Esker automates supplier invoice capture, coding, approval and payment, and on the receivables side it delivers invoices according to customer preferences with e-invoicing compliance in more than 60 countries. Esker states that it was named a Leader in the 2025 Gartner Magic Quadrant for Accounts Payable Applications and was recognised in the 2026 Gartner Magic Quadrant for Source-to-Pay Suites.

The combination of payables and receivables on one platform suits mid-sized and large companies that want to automate both sides of the cash cycle. Esker quotes prices individually and is aimed at organisations with dedicated finance operations teams.

Medius is a provider of accounts payable and spend management software that says it is trusted by more than 3,000 companies worldwide. Its platform covers invoice-to-pay processing, with the aim of reducing manual processing time and improving control over spend.

Medius markets agentic AI across its spend suite and publishes research on AP practice, including its Medius Financial Census 2026 and reports with Ardent Partners and SSON on AP metrics and fraud. It states that it won IDC's 2026 SaaS CSAT Award for Accounts Payable.

Medius is positioned for mid-sized and larger organisations running ERPs, and quotes prices individually. Detailed feature and pricing information requires a demo.

Brex is a spend-management company offering corporate cards, expense management, business accounts, travel and automated bill pay. Its cards are accepted in more than 210 countries and territories, with local-currency cards and billing in more than 50 countries.

Bill pay is part of the Brex platform alongside cards, expenses, travel and business accounts. The Essentials plan is free to start, with a Premium plan and a custom Enterprise plan for larger companies; Brex also offers a Smart Card product with merchant controls and custom approvals, aimed at simplifying procurement.

Like Ramp, Brex suits companies that want AP combined with cards and expenses. Companies with complex PO matching and high invoice volumes may need a dedicated AP platform, and Brex's Premium price was not displayed on its open pricing page at review.

Yooz is a cloud accounts payable automation provider that prices by invoice volume and includes unlimited users, updates and support. Its pricing page includes a calculator comparing a company's current cost per invoice, using industry figures from Aberdeen, Arthur D. Little, BVA, IOFM and Levvel, with an estimated Yooz cost.

In the calculator's default example of 2,000 invoices a month, Yooz estimated its cost at about US$1.48 per invoice all-in, against an average manual cost of US$9.12 cited from industry sources. Yooz states that the figure is an estimate and that the final price is set in a quote.

Volume-based pricing with unlimited users suits organisations with many approvers but moderate invoice counts. Companies with very low volumes may find per-user or flat-fee tools cheaper, and buyers should treat the calculator's savings figures as vendor estimates.

Plooto is a payables and receivables platform for small businesses and accounting firms, supporting domestic EFT and Interac e-Transfer payments in Canada, ACH payments, cross-border payments to more than 40 countries, pre-authorised debits and card payments.

The Go plan, available only to clients of accounting firms, costs US$9 a month and covers low payment volumes with basic approvals; Grow starts at US$32 a month and adds custom workflows; Pro starts at US$99 a month with multi-level, multi-step and departmental approvals and advanced controls. All include automatic two-way sync with accounting software and a 30-day free trial.

Transaction fees are published: domestic EFT payments cost US$1 on Go and US$0.50 on Grow and Pro, ACH payments US$1, cross-border payments US$19 on Go and US$10 on higher plans, and paying vendors by credit card 2.9%. Go is capped at five domestic and ACH transactions per billing cycle and US$5,000 per transaction. Its support for Canadian EFT, Interac e-Transfer and pre-authorised debits makes it relevant to Canadian businesses.