flag Business payments in 4 easy steps
  • Automate invoices & payments at scale

  • Get paid 2x faster

  • Approval workflows to fit your business

  • Powered by machine learning

Pros & Cons

  • Straightforward to navigate and use
  • Bank-level security including firewalls and encryption
  • Supports international payments & currencies
  • Seamless integration with other products
  • Integrations only available with higher plans
  • High price for small businesses
  • Customer support only during office hours

Plans & Pricing

Users of can enjoy its unique features by signing up for either the Business Plan or the Accountant Partner Program. Under’s business plan, there are four different financial packages: Essential, Team, Corporate, and Enterprise. The Accountant Partner Program contains slightly different features.

Business Plan’s business plan includes four different financial packages: Essential, Team, Corporate, and Enterprise. With the Essential and Team packages, users can only access accounts payable or account receivable products or impot their data in CSV format. However, the Team package allows for integration with accounting products like QuickBooks Online, QuickBooks Premier and Xero.

The Essential and Team packages are appropriate for small businesses in need of extra hands to pay for accounts payable operations. The Corporate package allows each user to enjoy both accounts payable and accounts receivable solutions. It also enables business owners to enjoy discounted roles for approvers.

The Enterprise package does is customized based on the requirement of each business. If your business operates on a large scale and equally processes a large number of bills every month, then this fourth package can be your paper-free way around payments. The Enterprise Package, often regarded as’s premium package, grants users all the features in other business plans, plus the following:

  • Sync with QuickBooks Enterprise, Microsoft Dynamics, Sage Intacct, and Oracle NetSuite.
  • Joint control.
  • Accounting files can be entered from different locations.
  • SSO (single-sign-on) enabled.
  • Special phone assistance.
  • API permissions.

This package’s downside is that it is on the high side for small businesses that already have a way around their accounts.



When it comes to accounts payable and receivable processes, has it all. is the ideal software to opt for in terms of user-friendliness, as it allows you to run your AP/AR operations effortlessly without having to struggle with it. is an accounting solution designed to address the accounts receivable and payable requirements of businesses. Launched by a California-based company, LLC in 2006, it is now used by millions of businesses as well as more than 80% of the US top 100 accounting firms. provides a means to automate the otherwise manual processes to efficient cloud-based and AI-powered operations. It helps small and mid-sized businesses, accounting firms, and accountants save time spent on maintaining the bills.


  • "Price"
    8 /10
  • "Features"
    8 /10
  • "Ease of Use"
    9 /10
  • "Help and Support"
    9 /10

Features and Functionality includes all the features to comprehensively cover your billing and automation needs. These include the following:

  • Accounts payable and receivable
  • International transactions
  • ACH payments
  • Custom report generation
  • Automated invoice entry
  • Vendor control
  • Ease of access
  • Document storage and organization

Accounts Payable and Receivable offers both accounts payable and accounts receivable solutions to its users. If you opt for accounts payable, then you stand to benefit from the following:

  • Collation of invoices
  • Unified inbox
  • Funds transfer via checks, ACH and international wires
  • Boundless storage for your financial documents
  • Standard policies for your approval processes
  • Thorough information on your vendors
  • Set up typical roles for up to six users for the Essential Plan and a custom number of users for the Team Plan

For accounts receivable, relieves your business-specific burden by:

  • Providing custom templates for your invoices
  • Tracking your payments
  • Automating your charge-and-pay processes
  • Handling credit card and ACH payments
  • Setting up automatic payment reminders
  • Handling all invoices


Invoicing has never been made easier.’s accounts receivable plan provides users with three unique templates for their invoices. Business owners can customize these templates according to their identities and needs. While recurring invoices are not managed on this platform, you have the option to ensure auto invoice mailings. Your dashboard will also reveal your sent and overdue invoices each time you log into the product.

Custom Reports

If you pay for either of’s accounts payable or accounts receivable plans, you get to receive 20 custom-generated reports on each. Similarly, if you are on the Corporate or Enterprise package and have access to both accounts, your business gets to benefit from 30 monthly statements.

Vendor Management

Another intriguing feature of this software is its vendor management system. On this platform, you can easily input your vendors’ details and also see your transaction history with every one of them. Most importantly, you can search out vendors who use via its Business Payment Network. You can also reach out to vendors who are yet to sign up with and have their information automatically uploaded to your system as soon as they do so.

International Payments and Multiple currencies

Unlike most other financial products like Melio, supports payments outside the United States. It also supports transactions in multiple currencies, as well as the conversion from one currency to the other. So, if your vendors are non-U.S. businesses, you won’t have to go out of your way to pay for their services.

Easy Accessibility

Accessing this software is no trouble at all – no matter where you are. Since it is cloud-based, all you need is an internet-enabled smartphone or computer to make and receive payments at any time of the day.

It is also mobile-friendly and has applications for Android and Apple devices (iOS 11.0 and above).

The mobile app enhances flexibility, allowing users to manage bills, approve payments, and track spending from anywhere. It’s highly rated and supports various functionalities for on-the-go financial management ​.

Spend & Expense Management offers a Spend & Expense feature that includes access to credit lines ranging from $500 to $5 million. This feature allows for proactive budget and spend control, automated expense management, and real-time transaction tracking. It also supports both physical and virtual cards and integrates easily with various apps​.

API Access and Priority Support offers API access and priority customer support in some of its higher-tier plans for businesses needing deeper integration or more tailored support. This can enhance customization and facilitate seamless integration with other systems​.

Advanced Controls and Security provides robust controls to minimize risks, including custom user roles, permissions, and approval settings. These aid in fraud protection and ensure a more secure financial operation.

Comprehensive Payment Options

In addition to ACH, credit card, and international payments, supports payments by virtual card and has options for instant payments with specific fees. It also details transaction fees for various methods, helping businesses manage costs effectively​.

Ease of Use

This is where you need to give it up for It is significantly easy to use and does not require any installation since it is all cloud-based. You won’t need your IT guy to input your bill-payment information, establish your user roles, and link to other accounting products you use.

As for the dashboard, it is similar to most other accounting software. Upon signing in, you’re met with the lists of bills that are due, open invoices, the bills that are due approval, and your due payments. The action menu is laid vertically by the left-hand side, from Overview to Payables, Receivables, Reports and International Payments.

There are demos on the website to facilitate its use for users who may find this software a bit cumbersome to use.

Add-ons and Integrations

For the records, integrates with products like QuickBooks, Sage, Microsoft Dynamics, Xero and Oracle NetSuite. These integrations improve business efficiency, minimize errors, and also make accounts reconciliation more productive.

You can also sync the transactions made on each platform with your accounting software, match your orders to your invoices, and complete your payments in one sitting.

Customer support provides assistance to its via live chat from Monday to Friday between 5:00 am and 6:00 pm. Emails are typically responded to within 24 hours.

  • Live Online Chat
    Live chat is provided through account
  • Email
    Users can receive assistance via live chat or emails
  • FAQ
    There is a comprehensive list of frequently asked questions on website.
  • Blog
    Users can also read informative blogs that are regularly updated.

Final Word should be your go-to software for accounts receivable and payables. Its interface is also on the bright sight – compared to most similar apps. You can see a chart of your transactions at a glance and you’re never at a loss of what needs to be done. Its integrations also make it an excellent target for most firms that already use other financial products.

In a nutshell, if you are looking for efficient software to take over check mailing, invoice entry, and AP/AR operations in your business, you’re at the right place. However, you must be buoyant enough to close your eyes to debits your balance will record every month – especially if you have multiple users.

This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Murad Jaffery

Murad Jaffery is a chartered accountant specializing in the field of accounting and finance. He has been writing on these areas for nearly a decade, and is also an accounting tutor. He holds master’s degrees in accountancy and English literature. Murad enjoys traveling and reading.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.

Leave a Reply

Contact Us

Our goal is to provide answers to all of your questions so you can make a confident purchasing decision. We welcome your feedback, so please email us at with suggestions and questions. We’d love to hear from you!

Your information will be handled as detailed in our Privacy Policy