12 Best Accounts Payable Software for Small Businesses

Small businesses find it difficult to manage their payment processes effectively. Keeping track of invoices and due dates takes time and effort. It also involves handling vendor payments. Businesses need accounts payable software for their operational purposes. The software helps businesses manage payments easily. It prevents late fees and keeps the cash flow healthy.

Accounts payable software automates invoice processing. It also helps schedule payments and reduce errors. The platform reduces the time needed and guarantees timely vendor payments. Such software allows you to remain organized through centralized financial record storage.

Choosing the right accounts payable software can be tough for many businesses. That’s why we’ve created a list of the 12 best accounts payable software for small businesses. So, let’s explore the top software to simplify payment management operations.

Top Reasons Businesses Are Switching to AP Automation

The accounts payable software enables business entities to track payments toward vendors and suppliers as well as service providers. The software system eliminates the requirement of managing invoices and payments manually. It helps manage accounts payable more efficiently, accurately, and quickly.

The use of accounts payable automation enables businesses to process invoices swiftly and decrease paperwork count while preventing fees from late payments. The software maintains payment records and maintains due date documentation as it enforces payment timeliness for vendors. Businesses can maintain organization through single invoice storage alongside reduced manual errors.

Some key features of accounts payable software include:

• Invoice Processing – Captures, stores, and organizes invoices automatically.
• Payment Tracking – Keeps records of due dates and paid invoices.
• Automated Payments – Schedule payments to vendors on time.
• Error Reduction – Reduces mistakes caused by manual data entry.
• Approval Workflow – Ensures invoices go through proper authorization before payment.
• Integration – Connects with accounting software for smooth operations.
• Reporting & Analytics – Provides insights into expenses and cash flow.

This software helps businesses manage their finances better. It streamlines financial processes and boosts efficiency and control.

Software	Key Features	Starting Price	Deployment
Xero	Invoice management, bank reconciliation, approvals	$13/month	Cloud
NetSuite	End-to-end AP automation, ERP integration	Custom	Cloud
Microsoft Dynamics 365	Purchase orders, approvals, financials	$70/user/month	Cloud/On-prem
QuickBooks	payments, approvals, and spend controls	$15/month	Cloud
Airbase Bill	payments, approvals, spend controls	Custom	Cloud
Lightyear	OCR invoice capture, approval workflows	$99/month	Invoice tracking, payment scheduling, and vendor management
Sage Intacct	Multi-entity, audit trails, vendor payments	Custom	Cloud
Quadient	AP Invoice digitization, multi-approval tiers	Custom	Cloud
Yooz	AI invoice capture, approvals, AP automation	$109/month	Cloud
Melio	Free ACH payments, credit card to vendor	Free (pay as you go)	Cloud
Plooto	AP/AR automation, approvals, reconciliation	$32/month	Cloud

List Of Best Accounts Payable Software for Small Businesses

1. Xero

Xero is cloud-based accounts payable software for small businesses. It helps manage invoice payments and expenses. The system executes accounts payable procedures, which speed up payments and lessen human mistakes. Real-time financial tracking in business allows companies to manage their cash flow and vendor payments without difficulty.

Xero Accounting Software

3.9

Starting Price

$ 29.00      

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Key Features of Xero

• Online Invoicing – Send, track, and automate payment reminders.
• Bill Payments – Pay bills on time and get a clear view of outstanding payments.
• Bank Reconciliation – Connect with over 21,000 banks for easy transactions.
• Expense Management – Submit and approve expense claims easily.
• Purchase Orders – Create and track digital purchase orders.
• Multi-Currency Accounting – Manage transactions in different currencies.
• Financial Reporting – Get insights into cash flow and expenses.
• Integration – Connect with various business apps for seamless operations.

Xero Pricing

Xero provides a 30-day free trial. This lets users test the software before choosing a paid plan.

• Starter Plan – $29 per month
• Standard Plan – $46 per month
• Premium Plan – $69 per month

2. NetSuite

NetSuite accounts payable software automates invoice review and payment approvals. This makes the accounts payable process easier. This software enables companies to handle vendor information properly while monitoring all purchase orders and invoice documents for improved accuracy.

Key Features of NetSuite

• Automated Invoice Processing – Captures and processes invoices without manual entry.
• Payment Automation – Schedule and process vendor payments on time.
• Purchase Order Matching – This process automatically matches invoices with purchase orders and receipts.
• Accounts Payable Dashboard – Offers real-time visibility into due payments, pending invoices, and approvals.
• Vendor Records Management – Stores and organizes vendor details for easy tracking.
• Reporting & Analytics – Provides reports and KPIs for better financial control.

NetSuite Pricing

NetSuite accounts payable software follows a subscription-based pricing model with an annual license fee. There is also a one-time setup fee. Get in touch with the Techjockey team to get a quote.

3. Microsoft Dynamics 365

Microsoft Dynamics 365 offers smart business apps. The apps enable organizations to manage functions in finance as well as sales and customer service. The software platform contains accounts payable solutions which automate handling of invoices from receipt to vendor payments while producing financial reports.

Microsoft Dynamics 365

4.3

Starting Price

$ 65.00      

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Key Features of Microsoft Dynamics

• Accounts Payable Automation – It streamlines all processes from invoice management through approvals to payment to enhance operational speed.
• Financial Management – Users can access budgeting as well as forecasting alongside real-time financial reporting.
• Sales and Marketing Integration – The software improves business customer relationships and drives revenue growth.
• Supply Chain Management – It streamlines inventory management and enhances production planning alongside logistics operations.
• Customer Service Management – The software tracks interactions and handles service requests while improving customer satisfaction.

Microsoft Dynamics 365 Pricing

Microsoft Dynamics 365 offers a 30-day free trial for businesses to explore its features before purchasing.

It offers various plans, such as:

• Essentials: $70 per user/month (billed annually)
• Premium: $100 per user/month (billed annually)
• Team Members: $8 per user/month (billed annually)

4. QuickBooks

QuickBooks is leading accounts payable software. The system enables better management of business finances. Users benefit from a system that enables them to produce invoices while tracking expenses and paying bills, in addition to generating financial reports. QuickBooks offers better management of cash flow through its systems, automation, and real-time insights.

QuickBooks

4.3

Starting Price

$ 9.50      

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Key Features of QuickBooks

• Automates the accounts payable process to save time.
• Tracks and manages bills in one place.
• Schedules and automates payments to avoid late fees.
• Integrates with multiple payment methods for flexibility.
• Generates financial reports like unpaid bills, A/P aging, and cash flow.
• Allows mobile and desktop access for remote management.
• Supports multiple users with role-based permissions.

QuickBooks Pricing

QuickBooks provides a 30-day free trial, allowing users to explore its features before committing to a paid plan.

• Simple Start – $5.70/month (for 3 months, then $19/month)
• Essentials – $8.40/month (for 3 months, then $28/month)
• Plus – $12/month (for 3 months, then $40/month)
• Advanced – $22.80/month (for 3 months, then $76/month)

5. Airbase Accounts Payable

Airbase is accounts payable software that helps businesses manage expenses more efficiently. The software allows for automated payments. It also simplifies expense tracking and approval. This leads to faster financial management and clearer transparency.

Key Features of Airbase Accounts Payable

• Automated Bill Payments – Schedule and process vendor payments effortlessly.
• Expense Tracking – Monitor and categorize business spending in real time.
• Approval Workflows – Set up multi-level approvals for better control.
• Corporate Cards – Issue virtual and physical cards with spending limits.
• Reporting & Analytics – Generate insights on company spending patterns.
• Fraud Prevention – Advanced security features to prevent unauthorized transactions

Airbase Pricing

Airbase doesn’t have a free trial. However, it does offer a demo. This lets businesses check out its features before they choose a paid plan. Get in touch with the Techjockey team to get a quote.

6. Lightyear Automated Accounts Payable

Lightyear provides cloud-based software for accounts payable automation that covers purchasing and invoice clearing, and bookkeeping functions. The system enables fast financial operations and removes human labor through automatic AI-based procedures that deliver precise results.

Key Features of Lightyear Automated Accounts Payable

• Automated Data Extraction: Uses AI to capture invoice details without manual entry.
• 3-Way Matching In Accounts Payable: Ensures accuracy by matching purchase orders, goods received, and invoices.
• Bookkeeping Automation: Applies predefined rules for tax codes and expense categorization.
• Supplier Statement Reconciliation: Auto-matches supplier statements, flagging discrepancies.
• Multi-Tiered Approvals: Enables up to five levels of approval for invoices and purchase orders.

Lightyear Pricing

Lightyear offers a free trial, allowing businesses to explore its features before committing to a paid plan.

• Starter: From £125/mo
• Business: From £279/mo
• Enterprise: From £499/mo

7. Tipalti

Tipalti functions as accounts payable software by automating financial transactions to eliminate staff work and cut down errors while complying with regulatory standards. The software tracks all accounts payable tasks starting with invoice handling through worldwide payment management. The system enables efficient management of supplier payments and allows for seamless financial operation scaling.

Tipalti

4.7

Starting Price

Price on Request

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Key Features of Tipalti

• Automated Invoice Processing – Uses AI to capture invoices, match POs, and route for fast approval.
• Global Payments – Supports payments in 120+ currencies across 196 countries with multiple payment methods.
• Self-Service Supplier Management – Suppliers onboard themselves, reducing inquiries and ensuring accurate payment details.
• Tax Compliance Automation – Auto-collects and validates tax details, ensuring compliance with global tax laws.
• Payment Reconciliation – This integrates real-time financial data with ERPs, speeding up month-end closing.
• PO Matching – Two and three-way matching prevents overpayments and fraud and ensures compliance.

Tipalti Pricing

Tipalti does not offer a free trial. There are three pricing plans:

• Starter Plan – Starts at $99/month
• Premium Plan – Custom pricing based on business needs
• Elite Plan – Custom pricing based on business needs

Get in touch with the Techjockey team for further pricing details.

8. Sage Intacct

Sage Intacct provides AI-enabled accounts payable software to automate three main functions: billing processes, internal approvals, and payment distribution. The software system delivers better accuracy through automation and shows real-time financial information while performing tasks currently handled by people.

Businesses achieve faster operations by having one system that automates invoice comparison, transaction reconciliation, and vendor facilitation.

Sage Intacct

4.1

Starting Price

Price on Request

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Key Features of Sage Intacct

• Automated Bill Matching – Matches invoices with purchase orders to prevent duplicate payments and fraud.
• Real-Time Cash Flow Insights – Monitors expenses and bank transactions to manage financial health better.
• Multi-Entity AP Management – Handles accounts payable for multiple business locations within one platform.
• Flexible Payment Methods – Supports check, ACH, and virtual card payments for secure vendor transactions.
• Audit Trails & Compliance – Tracks every payment action for transparency and regulatory compliance.

Sage Intacct Pricing

Sage Intacct does not offer a free trial. Get in touch with the Techjockey team for pricing.

9. Quadient AP Automation Software

Quadient Accounts Payable Automation by Beanworks is a cloud-based software designed to streamline and simplify the accounts payable process for businesses. The software system helps organizations decrease manual work while offering better financial oversight capabilities.

Key Features of Quadient Accounts Payable

• AI-Powered Data Entry: Automates invoice capture, cutting manual input by 83%.
• Approval Workflow: Streamlines invoice, PO, and payment approvals.
• Centralized Document Management: Secure cloud storage with audit trails.
• Payment Processing: Supports checks, ACH, EFT, virtual cards, and wire transfers.
• Real-Time Expense Management: Dashboards and reports for tracking spending.
• Mobile Accessibility: Approve invoices and manage expenses on the go.

Quadient Pricing

Users cannot access a free trial of Quadient’s accounts payable automation software platform. Contact Techjockey’s team for pricing information.

10. Yooz

Yooz delivers accounts payable (AP) automation through a cloud-based system. This solution cuts down on manual tasks and boosts efficiency for businesses.

Key Features of Yooz

• AI-Powered Extraction: Automates invoice capture and processing for accuracy and efficiency.
• Automated Approvals: The software accepts automated invoice approvals that use flexible workflows for accelerating the approval process.
• Real-Time Tracking: Provides instant insights into invoices and payments.
• Mobile Access: Manage invoices and payments from any device, anywhere.
• Secure Cloud Storage: Ensures safe document storage with easy access
• Seamless ERP Integration: It connects with 250+ financial systems for smooth data flow.

Yooz Pricing

Yooz provides a 15-day free trial, allowing businesses to experience the full range of features without any commitment. For detailed pricing information, contact the Techjockey team directly.

11. Melio Accounts Payable Software

Melio is a cloud-based payment platform that helps businesses manage vendor and contractor payments efficiently. The system delivers adaptable payment methods while implementing automatic procedures with smooth accounting system integration to help control cash flow better and minimize billing-related manual work.

Melio

4.0

Starting Price

Price on Request

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Key Features of Melio

• AI-Powered Bill Capture: Extracts invoice details automatically via scanning, email forwarding, or Gmail integration.
• Flexible Payment Options: Pay via ACH transfers, credit/debit cards, or checks, even if vendors don’t accept cards.
• Fast Payment Processing: Supports instant, same-day, and scheduled transfers for improved cash flow control.
• Approval Workflows & Automation: Customizable approval rules streamline payment processing and enhance financial security.
• Seamless Accounting Integration: Syncs with QuickBooks and Xero, ensuring accurate and automated financial reconciliation.

Melio Pricing

Melio provides a free trial, allowing businesses to explore its payment automation features before committing. There are different plans, which are as follows:

• Go Plan: Free (Limited to one user)
• Core Plan: $25/month ($22/month with discount) + $10/month per additional user
• Boost Plan: $55/month ($47/month with discount) + $10/month per additional user
• Platinum Plan: Contact Techjockey.com for custom pricing

12. Plooto

Plooto serves businesses by providing software for accounts payable automation and process optimization. The secure system advances both quick payment capabilities and minimizes manual work while connecting with accounting platforms.

The Plooto platform allows businesses to normalize their accounts payable procedures while saving operational time and enhancing their cash flow management practices.

Plooto

4.2

Starting Price

$ 9.00      

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Key Features of Plooto

• Automated Accounts Payable Process – Automates bill payments, approvals, and workflows to reduce manual effort.
• Customizable Approval Workflows – Companies can automate payment approval processes by designing unique workflow sequences to maintain better control.
• Real-Time Payment Tracking – gives users the ability to track payment statuses for complete accuracy and transparency.
• Scheduled & Recurring Payments – A feature that enables automated payment processing for business expenses. It helps avoid late fees.
• Secure Transactions – Guarantees safe payments that follow rules like GDPR and CCPA.

Plooto Pricing

Plooto provides a free trial, allowing businesses to explore its features before committing to a subscription. It has two plans:

Grow Plan – Starts at $32 per month
Pro Plan – Starts at $99/month

Conclusion

When small businesses select appropriate accounts payable software it allows them to reduce both time spent on AP work and errors as well as enhance their cash flow. Businesses implementing automation enable tracking for invoices and payment scheduling which minimizes late fees expenditure.

Through automation, the software maintains financial order to ensure timely payments to all vendors.
Organizations of all business levels find suitable software solutions to meet their needs. A suitable choice of software between basic invoice tracking and complete automation enables effortless payment management.

The investment in appropriate accounts payable software creates both efficiency improvements and fewer headaches while enhancing financial oversight. Choose the ideal option to streamline your business operations.

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