Back Office Guide

Bill pay & accounts payable

Pay vendors by ACH, check or card, route bills for approval, and let AI read invoices for you.

7 tools · Updated Oct 23, 2026

BILL

Paid

Accounts payable and receivable for small businesses: bill approvals, vendor payments, invoicing and purchase orders, with AI agents that code invoices.

Verdict. Best all-round bill pay for a small business that has outgrown paying bills by hand. Per-user pricing adds up for big teams.

Published price. Essentials $49/user/month, Team $65/user/month, Corporate $89/user/month, Enterprise custom. ACH payments $0.59 each. Checked Oct 22, 2026.

Melio

Free plan

Simple bill pay: pay vendors and contractors by ACH, check, card or wire, with batch payments and accounting sync on paid plans.

Verdict. Best for very small businesses that want to start free and pay a few bills a month.

Published price. Go: $0 for one user with 5 free ACH payments a month. Core $25/month, Boost $55/month (lower when billed annually). $0.50 per ACH payment after the free monthly allowance. Checked Oct 22, 2026.

Plooto

Paid

Payables and receivables automation with approval workflows, invoice capture (OCR) and two-way sync with QuickBooks.

Verdict. Best for small teams in the US and Canada that want approvals and a QuickBooks sync without enterprise pricing.

Published price. Grow $32/month. Go $9/month (only for clients of accounting firms). Pro price on request. ACH payments $1 each. Checked Oct 22, 2026.

Accounts payable and global payouts with a self-service supplier portal, tax compliance checks and fraud detection.

Verdict. Best for growing companies that pay many vendors or contractors in other countries. More than a 10-person shop needs.

Published price. Accounts payable plans start at $99/month; mass payments plans start at $249/month. No free tier. Checked Oct 22, 2026.

Payables and mass payouts with unlimited user seats, accounting and ERP integrations, and domestic, international and instant payments.

Verdict. Best for businesses that send lots of payouts. The entry price is high for a small office.

Published price. Growth $1,250/month. Scale and Enterprise are custom. Checked Oct 22, 2026.

Stampli

Pricing on request

Invoice processing and procure-to-pay built around an AI assistant called Billy, with procurement, vendor management, payments and cards.

Verdict. Best for teams that need invoice approvals on top of an accounting system they already have.

Published price. Pricing on request Checked Oct 22, 2026.

AvidXchange

Pricing on request

AI-powered accounts payable and payment automation, with industry versions for real estate, construction, community associations and more.

Verdict. Best for mid-size businesses in real estate or construction with heavy invoice volume.

Published price. Pricing on request Checked Oct 22, 2026.