Top 15 Small Business Accounts Payable Software

Don't you wish invoicing and billing could be as fun as making a sale? While it might not ever give you the same satisfaction, it can be a seamless experience when you take the complexity out of your accounts payable process.

Our list of top accounts payable software for small businesses can simplify hard-to-manage financial tasks with user-friendly interfaces, size-appropriate features, and automated capabilities that turn exhausting paperwork into a few clicks.

We'll also discuss how Wise Business could be a good option for international payments. Let’s dig in.

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Table of contents
Best Accounts Payable Software For Small Business 1. Coupa 2. Laserfiche 3. QuickBooks 4. Procurify 5. Xero 6. Esker 7. Nanonets International Payments with Wise Business 8. Corpay 9. SAP Concur 10. Airbase 11. MineralTree 12. Melio 13. Bill.com (BILL) 14. Paddle 15. Spendesk Accounts Payable Software FAQ

Best Accounts Payable Software For Small Business

Whether you’re looking for an automation hero or a budget companion, there are accounts payable solutions tailored for all sorts of small businesses. The best software won’t just streamline your accounting workflow – it’ll also help your business grow efficiently and economically. Ready to take a look at a few options? Read on!

1. Coupa

Coupa is a cloud-based accounts payable system for small business that focuses on unifying the entire end-to-end process and helping businesses get the most out of what they pay. Its standout feature is the structured workflow software that makes coordination and sequencing tasks easy. Coupa offers a personalized approach for every business’s unique needs with a suite of solutions rather than a one-size-fits-all package. You can choose from its Procure, Invoice, Expense, and Pay module or opt for their complete Business Spend Management Platform.

2. Laserfiche

Laserfiche boasts a feature-rich platform with high-tech functions like intelligent AI data capture, hundreds of solution templates, and a robust document management system to take your business efficiency to a new level. No matter what department or industry your business is in, this accounts payable tool can help you operate smarter in your field. They also have bonus solutions for employee onboarding, contract management, and business continuity.

3. QuickBooks

A pioneer in the accounting software landscape, QuickBooks provides a range of features to simplify your online accounts payable. Its strengths include easy invoice generation, organization and tracking of your accounts payable, and automated, scalable processes.¹ Since its integration capabilities can also connect with your existing systems and other QuickBooks products, you can create an efficient accounting ecosystem.

Pricing

QuickBooks is transparent with their pricing and offers tiered plans, including the Simple Start plan at $18/month, the Essentials plan at $27/month, and the Plus plan at $38/month.² You can also opt for annual plans for further discounts.

4. Procurify

Procurify labels themselves as a Spend Management Software with a procure-to-pay experience for the entire organization. This dynamic software comes with a sleek interface and a collaborative approach to responsible company spending decisions. If you want to really take control of your spending, Procurify can help your business make more strategic purchasing decisions. With on-the-go purchasing ability and real-time budget and spend insights at your fingertips, you can easily optimize your financial processes.

Pricing

All-in–one pricing plans for small businesses start at $1,000/month, where final pricing depends on additional features and scale options.³

See the Best Banks for Small Businesses >>

5. Xero

Xero is a cloud-based accounting software designed with small businesses in mind. Many favor its accounts payable management software for its simplicity yet effectiveness in tackling all aspects of the payables process. Businesses can claim expenses, pay their bills on time, get a clear overview of their cash flow, track projects, capture data, automate sales tax, pay in over 160 currencies, and much more. There’s even Payroll with Gusto, so you can seamlessly calculate pay and deductions for your employees.

Pricing

Xero offers three tiered pricing plans: Early ($15), Growing ($42), and Established ($78).⁴

6. Esker

Esker is a one-stop solution that combines invoicing, billing, and document management features. Users can chase invoices, process payment receipts, or create coding templates all within their online accounts payable software. It's particularly geared towards businesses that source and work with suppliers. There’s a self-service supplier portal, supplier registration form, and automated tools to transform your S2P (source-to-pay) cycle.

7. Nanonets

Nanonets is a unique player among accounts payable platforms, with a strong emphasis on optimizing document processes. Known for its intelligent data capture abilities, this software uses advanced AI to extract meaningful information from anything, including emails, databases, and documents – turning them into actionable insights.

Pricing

Nanonets operates on a pay-as-you-go system. Signing up free will get your business 500 pages free and a price of $0.3 per extra page. Alternatively, you can sign up for the Pro plan at $499/month and get 5000 pages free. Each extra page on the Pro plan costs $0.1.⁵

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International Payments with Wise Business

Wise Business can help you save big time on international payments.

One of the most useful features we offer is batch payments, which allows you to pay up to 1000 invoices in one go. This is perfect for small businesses that are supporting a global team's payroll, saving a ton of time and hassle.

Some important Wise Business account features:
Mid-market rate: Get the rate you deserve with no hidden fees on transfers
Global Account: Send money in 70+ currencies and hold balances in 40+
Batch payments: Send 1000 invoices in one click
Permissions: Give different permissions to your team
Auto-conversions: Don't like the current currency exchange rate? Set your rate, and Wise sends the transfer at the ideal moment

Start making payments
with Wise Business >>

US-based business accounts can get an account free
No minimum balance requirements and monthly fees

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8. Corpay

Run by the global leader in AP (accounts payable) and vendor payments, as well as vehicle and mobility solutions, Corpay is a dedicated digital AP software that combines accounts payable automation, cross-border payments, and commercial card solutions – all for the goal of smarter business spend. The Corpay virtual card offers customizable rules and controls, as well as monthly cash rebates and flexible payment terms and funding options.⁶

9. SAP Concur

SAP Concur excels in three areas – expense, travel, and invoice management. While you’ll find all the standard tools that come with software for accounts payable solutions, SAP Concur stands out by letting employees book their own travel at the best possible rates. There are even event management tools to make every part of the process faster and more cost-effective, which is a huge asset if your business frequently travels or hosts events.⁷

10. Airbase

Airbase is all about control, visibility, and compliance for non-payroll spending. Their Guided Procurement lets businesses easily track purchase requests and approvals across all teams, allows companies to pay bills internationally or domestically, and allows businesses to even enjoy a detailed automated audit trail of every expense. And that’s not all – you can even provide virtual and physical cards for all your employees backed by their spend management platform.

Pricing

While pricing isn’t publicly available, Airbase offers three scalable plans: Standard (up to 200 employees), Premium (up to 500 employees), and Enterprise (up to 5,000 employees).⁸

11. MineralTree

MineralTree hones in on the invoicing and payment optimization aspects of the accounts payable process. Their TotalAP accounts payable automation software lets businesses optimize each phase of an invoice’s journey to suit your workflow and user needs. No matter what user role is assigned, the platform is optimized to suit that role, whether they’re simply approving invoices or going through robust analytics. Along with their TotalPay invoicing payment automation solution, businesses can automate all of their B2B payments.

12. Melio

Melio brings together functionality, simplicity, and affordability – an enticing combo for small businesses. They make a name for themselves when it comes to how and when to pay vendors. Maybe you want to combine payments, split bills into partial payments, or defer payments – Melio allows you to do all of those things. An interesting feature is that you can even pay bills by credit card, even in situations where it isn’t typically permitted, letting you enjoy cashback and rewards.

Pricing

Melio has a pay-as-you-go fee structure with free ACH bank transfer and a 2.9% fee when paying by card. International payments also cost a $20 flat fee.⁹

13. Bill.com (BILL)

BILL’s integrated platform combines accounts payable, accounts receivable, spend, and expense in one place. What sets Bill.com apart is its sophisticated approval process, its ability to handle multiple currencies for international payments, and its credit lines of $500 - $5M.¹⁰ Their approval process has plenty of customization and control, letting users establish custom approval workflows every step of the way based on varying factors.

14. Paddle

Paddle offers much more than just accounts payable for small business – it directly integrates with your product so you can monetize your services across various channels. It’s primarily aimed toward SaaS businesses, with products such as ProfitWell Metrics, an intelligent pricing strategy tool, and a churn intervention tool. Paddle lets you keep your eye on your revenue, use value-based pricing strategies, and automatically recover failed payments to increase customer retention.

Pricing

Paddle runs on a pay-as-you-go system priced at 5% +$0.50 per Checkout transaction. There’s also the option of custom pricing for large-scale businesses.¹¹

15. Spendesk

Spendesk boasts a smart card system, where businesses can issue prepaid cards to employees with built-in controls, getting rid of the need for reimbursement processes. Along with real-time expense tracking, automated receipt capture, and direct integration with accounting tools, Spendesk is a fantastic tool if your business needs more insightful spend analytics.

Accounts Payable Software FAQ

Got more questions? We’ve got the answers. Our FAQ section will fill you in on all you need to know about accounts payable software solutions.

What is accounts payable scanning software?

Accounts payable scanning software, also known as invoice scanning software, is a useful tool that digitizes your invoices and receipts. It gets rid of the need for manual data entry by automatically extracting, processing, and storing information from your invoices. These tools typically have automation capabilities to minimize human errors, improve accuracy, and save your business plenty of time and resources.

What is accounts payable tracking software?

Accounts payable tracking software and accounts payable software are often used interchangeably to refer to a digital solution designed to manage the process of paying a business’s bills. It automates tasks like invoice processing, approval workflows, and payment, all while reducing errors and enhancing efficiency. They also give businesses better visibility into their cash flow so they can keep a closer eye on their financial health.

What is accounts payable workflow software?

Accounts payable workflow software is the same thing as accounts payable software – it’s an efficient way to streamline the entire payables process of a business. Rather than having to manage data entry, invoice processing, and vendor payments, it can digitally capture and store invoices, organize approval processes, and schedule payments on time.

What is accounts payable processing software?

Accounts payable processing software is just another term for accounts payable software. The software helps businesses manage invoices, reconcile bills, schedule payments, and keep accurate financial records. They can help businesses avoid late fees and ensure prompt payment – two things all businesses need.

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Sources:

1 - QuickBooks - Accounts Payable
2 - QuickBooks - Pricing
3 - Procurify - Pricing
4 - Xero - Pricing Plans
5 - Nanonets - Pricing
6 - Corpay- Comercial Cards
7 - Concur - Event Management
8 - Airbase - Pricing
9 - Melio - Pricing
10 - Bill.com - Product
11 - Paddle - Pricing
12 - Wise Trustpilot