Quick Overview
- 1#1: BILL - Automates accounts payable and receivable processes for B2B payments with seamless integrations to accounting software.
- 2#2: Melio - Simplifies B2B payments via ACH, checks, and wires with no monthly fees for small to medium businesses.
- 3#3: AvidXchange - Delivers comprehensive AP automation and electronic payments for mid-market B2B transactions.
- 4#4: Stripe - Provides flexible invoicing, billing, and payment processing tailored for B2B and recurring payments.
- 5#5: Tipalti - Manages global mass payments, tax compliance, and supplier onboarding for enterprise B2B payouts.
- 6#6: Veem - Offers fast, secure international B2B payments using ACH, wires, and local rails worldwide.
- 7#7: Payoneer - Facilitates cross-border B2B payments and marketplace disbursements in multiple currencies.
- 8#8: Wise Business - Enables low-cost, transparent international transfers and multi-currency accounts for B2B needs.
- 9#9: AI rbase - Streamlines B2B spend management with bill pay, virtual cards, and reimbursements integrated with ERP.
- 10#10: Plooto - Automates B2B payments, approvals, and reconciliations with strong accounting software syncs.
We ranked these tools based on functionality breadth, user experience, integration capabilities, and overall cost-effectiveness, prioritizing solutions that balance robust features with accessibility for businesses of all sizes.
Comparison Table
B2B payment software is vital for streamlining transactions, and this comparison table breaks down top tools like BILL, Melio, AvidXchange, Stripe, Tipalti, and more. Readers will learn key features, usability, and cost details to identify the best fit for their business needs, from invoicing to cross-border payments.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | BILL Automates accounts payable and receivable processes for B2B payments with seamless integrations to accounting software. | enterprise | 9.6/10 | 9.8/10 | 9.4/10 | 9.2/10 |
| 2 | Melio Simplifies B2B payments via ACH, checks, and wires with no monthly fees for small to medium businesses. | specialized | 9.3/10 | 9.5/10 | 9.2/10 | 9.4/10 |
| 3 | AvidXchange Delivers comprehensive AP automation and electronic payments for mid-market B2B transactions. | enterprise | 8.7/10 | 9.2/10 | 8.1/10 | 8.4/10 |
| 4 | Stripe Provides flexible invoicing, billing, and payment processing tailored for B2B and recurring payments. | enterprise | 8.7/10 | 9.2/10 | 8.0/10 | 8.4/10 |
| 5 | Tipalti Manages global mass payments, tax compliance, and supplier onboarding for enterprise B2B payouts. | enterprise | 8.7/10 | 9.3/10 | 8.0/10 | 8.4/10 |
| 6 | Veem Offers fast, secure international B2B payments using ACH, wires, and local rails worldwide. | specialized | 8.6/10 | 8.7/10 | 8.5/10 | 9.1/10 |
| 7 | Payoneer Facilitates cross-border B2B payments and marketplace disbursements in multiple currencies. | specialized | 8.1/10 | 8.5/10 | 8.0/10 | 7.7/10 |
| 8 | Wise Business Enables low-cost, transparent international transfers and multi-currency accounts for B2B needs. | specialized | 8.7/10 | 8.5/10 | 9.2/10 | 9.5/10 |
| 9 | AI rbase Streamlines B2B spend management with bill pay, virtual cards, and reimbursements integrated with ERP. | enterprise | 8.7/10 | 9.2/10 | 8.5/10 | 8.0/10 |
| 10 | Plooto Automates B2B payments, approvals, and reconciliations with strong accounting software syncs. | specialized | 8.5/10 | 8.3/10 | 9.0/10 | 8.4/10 |
Automates accounts payable and receivable processes for B2B payments with seamless integrations to accounting software.
Simplifies B2B payments via ACH, checks, and wires with no monthly fees for small to medium businesses.
Delivers comprehensive AP automation and electronic payments for mid-market B2B transactions.
Provides flexible invoicing, billing, and payment processing tailored for B2B and recurring payments.
Manages global mass payments, tax compliance, and supplier onboarding for enterprise B2B payouts.
Offers fast, secure international B2B payments using ACH, wires, and local rails worldwide.
Facilitates cross-border B2B payments and marketplace disbursements in multiple currencies.
Enables low-cost, transparent international transfers and multi-currency accounts for B2B needs.
Streamlines B2B spend management with bill pay, virtual cards, and reimbursements integrated with ERP.
Automates B2B payments, approvals, and reconciliations with strong accounting software syncs.
BILL
enterpriseAutomates accounts payable and receivable processes for B2B payments with seamless integrations to accounting software.
BILL Network: Access to over 4 million verified vendors for fast payments without needing their bank details.
BILL is a comprehensive financial automation platform tailored for small and midsize businesses, specializing in accounts payable (AP) and accounts receivable (AR) to streamline B2B payments. It enables users to automate invoice creation, approvals, bill payments via ACH, checks, wires, or cards, and cash flow management. With seamless integrations to accounting software like QuickBooks and Xero, BILL reduces manual work and errors in financial operations.
Pros
- Robust AP/AR automation with multi-step approval workflows
- Extensive integrations with major accounting platforms
- Secure, compliant payments supporting multiple methods including international wires
Cons
- Pricing scales up significantly with transaction volume
- Advanced features locked behind higher-tier plans
- Limited support for very large enterprises
Best For
Small and midsize businesses needing end-to-end automation for B2B invoicing, payments, and accounting reconciliation.
Pricing
Paid plans start at $45/month (Essentials) up to $79+/month (Corporate) per user, plus transaction fees (e.g., free ACH receive, 0.5% send, 2.9% cards).
Melio
specializedSimplifies B2B payments via ACH, checks, and wires with no monthly fees for small to medium businesses.
Pay vendors by email or name—Melio automatically mails physical checks if needed, eliminating the need for bank details.
Melio is a B2B payments platform that streamlines accounts payable (AP) and accounts receivable (AR) for small and medium-sized businesses (SMBs). It enables users to pay vendors via ACH, check, wire transfer, or credit card, often without needing the vendor's bank details by simply using their email or name. The platform integrates with accounting software like QuickBooks, Xero, and NetSuite for automated reconciliation and approval workflows.
Pros
- Free ACH payments for senders
- Seamless integrations with major accounting software
- Flexible payment methods including vendor check mailing
Cons
- Fees for checks ($1.49+), wires ($20+), and cards (2.9%)
- Primarily focused on U.S. businesses with limited international support
- Occasional delays in physical check delivery
Best For
SMBs seeking a simple, cost-effective way to digitize vendor payments without requiring recipients to share bank details.
Pricing
Free for standard ACH payments; pay-per-use fees for checks ($1.49-$20), wires ($15-$45), credit cards (2.9%), and premium plans starting at $20/month for advanced features.
AvidXchange
enterpriseDelivers comprehensive AP automation and electronic payments for mid-market B2B transactions.
Cascade payment orchestration, which intelligently routes payments to suppliers' preferred methods while capturing cashback on virtual cards.
AvidXchange is a comprehensive B2B payments platform specializing in accounts payable (AP) automation for mid-sized businesses. It digitizes the entire invoice-to-pay process, including data capture, approval workflows, and secure payments via ACH, virtual cards, checks, and international wires. The software integrates seamlessly with over 200 ERP and accounting systems like QuickBooks, NetSuite, and Sage, providing real-time visibility, fraud prevention, and cost savings by reducing paper checks.
Pros
- Extensive AP automation with AI-powered invoice processing
- Diverse payment methods including virtual cards for rebates
- Broad integrations with major accounting and ERP platforms
Cons
- Pricing can be costly for low-volume users
- Initial setup and onboarding require time and training
- Limited focus on accounts receivable (AR) functionality
Best For
Mid-market businesses with high invoice volumes looking to streamline AP and eliminate manual check payments.
Pricing
Custom enterprise pricing; typically $300-$1,000+/month base plus $1.25-$2.50 per transaction/invoice.
Stripe
enterpriseProvides flexible invoicing, billing, and payment processing tailored for B2B and recurring payments.
Stripe Billing for automated, customizable invoicing and subscription management with smart retries and revenue recognition.
Stripe is a versatile payment processing platform that enables businesses to accept online payments, manage subscriptions, and send invoices via Stripe Billing. Tailored for B2B use cases, it supports ACH transfers, wire payments, multi-currency invoicing, and automated billing cycles, ideal for recurring enterprise contracts. Its robust API allows deep customization for complex payment workflows, fraud detection with Radar, and payouts through Stripe Connect.
Pros
- Developer-friendly API with extensive customization for B2B workflows
- Supports key B2B methods like ACH, SEPA, and wires with global reach
- Advanced tools like Stripe Billing for invoicing, dunning, and revenue recognition
Cons
- Transaction fees can accumulate for high-volume B2B payments
- Requires coding expertise for full setup and advanced features
- Less emphasis on accounts payable automation compared to dedicated AR/AP platforms
Best For
Tech-savvy B2B SaaS companies and marketplaces needing scalable, API-driven payment and billing solutions.
Pricing
Pay-as-you-go: 2.9% + $0.30 per card charge; ACH at 0.8% (capped at $5); custom enterprise plans with volume discounts.
Tipalti
enterpriseManages global mass payments, tax compliance, and supplier onboarding for enterprise B2B payouts.
Payee Portal for automated, self-service global supplier onboarding and payments with built-in tax compliance
Tipalti is an end-to-end accounts payable (AP) automation platform specializing in mass payments for global suppliers, contractors, affiliates, and partners across 196 countries and 120+ currencies. It automates supplier onboarding via a self-service portal, handles multi-method payments (ACH, wire, PayPal, etc.), and ensures compliance with tax forms like 1099s, W-8s, and VAT. The software integrates with ERP and accounting systems like NetSuite, QuickBooks, and Xero to streamline B2B payment workflows and reduce manual reconciliation.
Pros
- Robust global payment capabilities with 120+ currencies and 196 countries
- Automated tax compliance and withholding for 1099, W-8, and VAT
- Scalable supplier portal for self-service onboarding and payments
Cons
- Steep initial setup and learning curve for complex configurations
- Custom pricing can be expensive for small to mid-sized businesses
- Customer support response times can vary
Best For
Mid-market to enterprise companies managing high-volume international B2B payments to suppliers and contractors.
Pricing
Custom pricing based on payment volume and features; typically starts at $1,000-$2,000/month with transaction-based fees.
Veem
specializedOffers fast, secure international B2B payments using ACH, wires, and local rails worldwide.
Veem Payment Network for instant, free transfers between connected business users worldwide
Veem is a B2B payments platform designed for small and medium-sized businesses to send, receive, and manage payments domestically and internationally across over 190 countries. It supports invoicing, batch payments, recurring payments, and integrations with accounting tools like QuickBooks and Xero. The platform emphasizes low fees, transparency, and security through FDIC insurance and compliance with global standards.
Pros
- Low-cost international transfers with fees as low as 0.5%
- Instant payments between Veem users via its payment network
- Seamless integrations with popular accounting software
Cons
- Limited to about 10 currencies for holding/receiving
- Customer support primarily via chat/email without phone option
- Slower processing for some international wires (1-3 days)
Best For
Small to medium-sized businesses frequently handling cross-border payments and invoicing.
Pricing
No monthly fees; free domestic ACH transfers, international fees from 0.25%-1% + FX markup, wires $5-$15.
Payoneer
specializedFacilitates cross-border B2B payments and marketplace disbursements in multiple currencies.
Virtual local receiving accounts in multiple currencies for fee-free local collections
Payoneer is a global payment platform designed for businesses to send and receive cross-border payments in over 150 currencies across 200+ countries. It offers virtual receiving accounts in major currencies like USD, EUR, GBP, and JPY, enabling businesses to collect payments locally without international wire fees. Key B2B features include mass payouts to suppliers or freelancers, API integrations, and marketplace connectivity for seamless international transactions.
Pros
- Strong cross-border payment capabilities with local receiving accounts
- Mass payout functionality for B2B supplier payments
- Integrations with e-commerce platforms and accounting tools
Cons
- Transaction and FX fees can add up for high-volume users
- Limited native invoicing compared to dedicated B2B gateways
- Customer support response times vary
Best For
International businesses and agencies managing payments to/from global suppliers and freelancers.
Pricing
Free signup; 0-3% transaction fees + 0.5-2% FX markup; mass payouts at 2%; $29.95 annual account fee.
Wise Business
specializedEnables low-cost, transparent international transfers and multi-currency accounts for B2B needs.
Real mid-market exchange rates with no hidden markups, saving significantly on international B2B payments
Wise Business offers multi-currency accounts and low-cost international payment solutions tailored for B2B needs, enabling companies to hold, convert, and send money in over 50 currencies to 140+ countries. It provides local bank details for receiving payments like a local, supports batch payments for suppliers, and integrates with accounting software like Xero and QuickBooks. This makes it particularly effective for cross-border transactions, reducing costs compared to traditional banks.
Pros
- Exceptionally low fees and mid-market exchange rates for international transfers
- Multi-currency accounts with local receiving details in 9+ currencies
- Batch payment capabilities for up to 1,000 suppliers at once
Cons
- Limited support for domestic B2B invoicing and AR/AP automation
- Customer support can be slow and app-based only
- No built-in card payment processing for customers
Best For
Global businesses or e-commerce companies frequently paying international suppliers or managing cross-border expenses.
Pricing
No monthly fees; transfer fees from 0.33% + fixed fee (e.g., $0.50-$4), volume discounts available.
AI rbase
enterpriseStreamlines B2B spend management with bill pay, virtual cards, and reimbursements integrated with ERP.
AI rbase Cards: Unlimited physical and virtual cards with granular controls, instant issuance, and automatic ERP reconciliation
AI rbase is a comprehensive spend management platform tailored for B2B finance teams, automating accounts payable (AP), expense management, procurement, and payments in one unified system. It supports diverse payment methods including ACH, wires, checks, and virtual cards, with customizable approval workflows and real-time spend visibility. Integrated seamlessly with ERPs like NetSuite, QuickBooks, and Sage Intacct, AI rbase helps mid-market and enterprise businesses streamline operations, reduce manual errors, and gain control over corporate spending.
Pros
- Robust AP automation with OCR bill capture and approval workflows
- Multiple payment rails including virtual cards with spending controls
- Deep integrations with major accounting and ERP systems
Cons
- Custom quote-based pricing can be expensive for smaller teams
- Initial setup and configuration may require IT involvement
- Limited advanced analytics compared to top-tier competitors
Best For
Mid-sized businesses and enterprises seeking an all-in-one platform for AP automation, payments, and spend controls.
Pricing
Custom quote-based pricing; typically starts at $10-20 per active user per month, with minimums around $10,000 annually depending on features and volume.
Plooto
specializedAutomates B2B payments, approvals, and reconciliations with strong accounting software syncs.
Automated PAD (Pre-Authorized Debit) collections for effortless AR with direct bank pulls
Plooto is a cloud-based accounts payable (AP) and accounts receivable (AR) automation platform tailored for small to medium-sized businesses, primarily in Canada. It enables electronic bill payments via EFT and PAD, automated invoicing, approval workflows, and seamless synchronization with accounting software like QuickBooks and Xero. The tool simplifies B2B payment processes, reduces manual errors, and provides real-time visibility into cash flow and vendor payments.
Pros
- Intuitive interface with quick setup and minimal training required
- Strong integrations with major accounting platforms like QuickBooks Online and Xero
- Reliable Canadian payment methods including EFT and PAD for fast, secure transactions
Cons
- Primarily focused on Canadian market, limiting international usability
- Transaction-based fees can increase costs for high-volume users
- Lacks some advanced enterprise features like multi-entity support or global multi-currency payments
Best For
Canadian SMBs seeking straightforward AP/AR automation and accounting integrations without enterprise complexity.
Pricing
Starts at $29/month (Basic plan) plus $1.50 per transaction; Growth plan at $49/month, Premium at $89/month; custom enterprise pricing available.
Conclusion
Navigating B2B payments becomes streamlined with the top tools reviewed, where BILL emerges as the clear winner, excelling in automating both accounts payable and receivable with seamless software integrations. Melio stands out as a flexible alternative for small to medium businesses with its no-fee model, while AvidXchange delivers robust AP automation for mid-market needs. Together, these solutions highlight the best in efficiency and reliability across diverse business scales.
Don’t miss out on BILL’s transformative capabilities—begin optimizing your B2B payments journey today.
Tools Reviewed
All tools were independently evaluated for this comparison