Finance & accounting · Ranked by price to features
10 Best Bill Pay Software for Small Business of 2026
By the Rankozo research desk · Updated November 9, 2026 · Next review December 24, 2026
Mercury is the best bill pay software for small businesses in 2026, with $0 standard ACH and $0 mailed checks on its free plan; Melio suits owners who want to keep their current bank, with 5 free ACH payments a month and $1.50 checks; Ramp Bill Pay costs $0 a month in software, with fees of $0.59 per ACH and $1.99 per check.
- Tools ranked
- 10
- With free plan
- 5
- Cheapest paid plan
- Brex, $12
- per user per month
By the numbers
- $198.25 billionUS merchants paid $198.25 billion in card processing fees in 2025, a new record according to the Nilson Report.Nilson Report
- 1.59%The weighted average card processing fee paid by US merchants reached 1.59% of purchase volume in 2025.Nilson Report
- 79.34%Credit cards accounted for 79.34% of all card processing fees US merchants paid in 2024.Nilson Report
- $0.52Debit transactions exempt from Regulation II, mostly cards from issuers under $10 billion in assets, carried an average interchange fee of $0.52 in 2023.Federal Reserve Board
- $299,071 millionGartner's November 2024 forecast put worldwide end-user spending on SaaS at $299,071 million in 2025, up 19.2% from 2024.Gartner
Comparison table
| Tool | |||||
|---|---|---|---|---|---|
| Mercury | 01 | 8.9 | 9.5 | $29.90per month | Yes |
| Melio | 02 | 8.8 | 9.0 | $20per month | Yes |
| Ramp Bill Pay | 03 | 8.7 | 8.8 | $15per user per month plus platform fee | Yes |
| QuickBooks Bill Pay | 04 | 8.4 | 8.3 | $38per month (QuickBooks Online plan) | No |
| Relay | 05 | 8.3 | 8.6 | $30per month | Yes |
| Xero | 06 | 7.9 | 7.8 | $27per month | No |
| BILL | 07 | 7.8 | 6.8 | $49per user per month | No |
| Brex | 08 | 7.7 | 7.6 | $12per user per month | Yes |
| Plooto | 09 | 7.4 | 7.0 | Check price | No |
| Tipalti | 10 | 7.2 | 5.8 | $99per month plus transaction fees | No |
Click a column to sort. Prices are the cheapest paid plan quoted from each vendor's US pricing page; "Check price" means the US price check is pending.
How this ranking works
One method for every tool. We compared documented features and published prices; we did not run hands-on tests. Value carries the most weight.
Full methodThis list is for small businesses that pay vendors, suppliers and contractors and want to know what each payment really costs. Bill pay tools charge in two ways: a monthly software fee and a fee per ACH transfer or check. We compared documented features and published prices from each vendor's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%, so tools that keep per-payment fees low rank above feature-heavy suites.
The verdict
Most small businesses can pay vendors for little or nothing. Mercury charges $0 for standard ACH and mailed checks if you bank with it, and Melio offers a free plan with 5 free ACH payments a month from the bank you already use. Ramp's free tier adds stronger automation in exchange for $0.59 per ACH and $1.99 per check. If you already pay for QuickBooks Online or Xero, their built-in bill pay with free standard ACH may be all you need. BILL and Tipalti make sense only when approvals, audit trails or international supplier networks justify a monthly fee of $49 per user or $99 and up.
- 01Top value
Mercury
8.9/10Business banking with bill pay built in, where standard ACH, wires, real-time payments and mailed checks in USD cost $0 on every plan.
Price
$29.90per month
Free plan with bill pay; Mercury Plus $29.90 per month billed annually; Mercury Pro $299 per month
“$29.90 per month For businesses that need more efficiencies and streamlined invoicing.” Quoted from the pricing page, November 9, 2026.
- Free plan
- Yes
- Free trial
- 30 days
- Value (40%)
- 9.5
- Features (35%)
- 8.2
- Ease of use (25%)
- 8.8
Best forSmall businesses that want to pay vendors by ACH or check with no per-payment fees and are willing to bank with Mercury.
Mercury ranks first because its pricing removes the two costs this list is about. The $0 plan includes unlimited bill payments, and Mercury's pricing table lists standard ACH, domestic wires, real-time payments and mailed checks at $0 on every plan. A business sending 40 vendor payments a month would pay $0 on Mercury, against roughly $24 to $80 in per-payment fees on BILL or Ramp. Bill pay tools include a bills inbox, approval rules, duplicate bill detection and vendor onboarding, and 1099 filing is available, with unlimited filings on Plus at $29.90 per month billed annually. The trade-off is structural: Mercury is a banking product, so bill pay only works from a Mercury account. If you want to keep your existing bank, Melio or QuickBooks Bill Pay are better fits. Mailed checks take 7 to 10 business days to send, and international wires carry a 1% exchange fee.
- ✓No monthly fee and no per-payment fee for ACH or mailed checks
- ✓Bill pay sits in the same app as the checking account that funds it
- ✓Free domestic wires, which most bill pay apps charge for
- ✕You must open and fund a Mercury account to use it
- ✕International wires carry a 1% currency exchange fee
- ✕Mailed checks take 7 to 10 business days to send
- Free plan:
- Yes, with bill pay
- Standard ACH fee:
- $0
- Mailed check fee:
- $0
- Paid plans:
- Plus $29.90 per month (annual), Pro $299 per month
Bottom line: The cheapest way we found to pay vendors by ACH and check, because both cost $0 on the free plan. Pick it if you are open to moving your operating account to Mercury.
- 02
Melio
8.8/10A standalone accounts payable app that pays vendors by ACH, check, wire or card from the bank account you already have.
Price
$20per month
Free Go plan for one user with 5 free ACH payments a month; Core $25 per month, or $20 per month billed annually
“$25 /mo $20 /mo Plus $8/mo per additional user. Billed annually” Quoted from the pricing page, November 9, 2026.
- Free plan
- Yes
- Value (40%)
- 9.0
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.9
Best forSmall businesses that want bill pay without switching banks and send a modest number of payments each month.
Melio is the best pick if you want to keep your current bank. The free Go plan covers one user and includes 5 free ACH payments a month; after that, Melio charges $0.50 per ACH payment and $1.50 per check, which is below the $0.59 and $1.99 that BILL and Ramp list. Paid plans raise the free ACH allowance: Core costs $25 per month ($20 billed annually) with 20 free ACH payments, Boost costs $55 with 50, and Unlimited costs $80 with unlimited free ACH and unlimited users. Melio syncs with QuickBooks, Xero and NetSuite, captures bills with AI and offers a dedicated bills inbox. It can also charge a bill to your credit or debit card for 2.9% and pay the vendor by ACH or check, which helps when you want to stretch cash flow. The main limits are the single user on the free plan and per-user charges on Core and Boost.
- ✓Works with any US business bank account
- ✓Low per-payment fees: $0.50 ACH after the free allowance and $1.50 checks
- ✓Unlimited plan at $80 per month includes unlimited free ACH and users
- ✕Free plan is limited to one user
- ✕Card payments cost 2.9% per payment
- ✕Paid plans add $10 per month per extra user on monthly billing
- Free plan:
- Yes, one user
- Free ACH per month:
- 5 on Go, 20 on Core, 50 on Boost, unlimited on Unlimited
- ACH after allowance:
- $0.50
- Check fee:
- $1.50
Bottom line: The strongest standalone bill pay app for small businesses that will not switch banks. Expect to pay $0.50 per ACH once you pass the free allowance.
- 03
Ramp Bill Pay
8.7/10Accounts payable software from Ramp with a free tier, OCR invoice capture and card, ACH, check and wire payments.
Price
$15per user per month plus platform fee
Free tier with no monthly software fee; ACH $0.59 and checks $1.99 per payment; Ramp Plus $15 per user per month plus a platform fee
“Ramp Plus costs $15 USD per user per month plus a platform fee based on team size.” Quoted from the pricing page, November 9, 2026.
- Free plan
- Yes
- Value (40%)
- 8.8
- Features (35%)
- 8.8
- Ease of use (25%)
- 8.2
Best forGrowing small businesses that want strong automation such as line-item OCR and invoice matching without a software fee.
Ramp Bill Pay brings automation that rivals BILL into a free tier. Ramp says the free tier includes core Bill Pay features with no monthly software fee, and its pricing FAQ lists the per-payment costs: $0.59 for a standard ACH, $1.99 for a standard check, $10 for same-day ACH, $15 for a domestic wire, $20 for an international SWIFT USD wire and $20 for overnight check delivery. On the feature side, Ramp captures invoices with OCR, codes line items based on past invoices, runs two-way and three-way matching against purchase orders, and batches payments by card, ACH or wire. Card-eligible vendors can be paid by card to earn cashback. Ramp Plus costs $15 per user per month plus a platform fee, and it is required for certain ERP integrations. For a small business paying 30 bills a month by ACH, the fees come to about $18, so Mercury and Melio are cheaper at low volume, while Ramp gives more automation for the money.
- ✓No monthly software fee on the free tier
- ✓Card-eligible vendors can be paid by card for cashback
- ✓Automation depth usually found in mid-market tools
- ✕Every standard ACH costs $0.59 and every check $1.99
- ✕Some ERP integrations require Ramp Plus
- ✕Plus adds a platform fee on top of $15 per user
- Free plan:
- Yes, core Bill Pay
- Standard ACH fee:
- $0.59
- Standard check fee:
- $1.99
- Same-day ACH:
- $10
- Domestic wire:
- $15
Bottom line: Free software with mid-market automation, paid for through per-payment fees of $0.59 per ACH and $1.99 per check. A strong pick once invoice volume makes OCR and matching worth having.
- 04
QuickBooks Bill Pay
8.4/10Bill pay built into QuickBooks Online, with free standard ACH payments on every Bill Pay plan.
Price
$38per month (QuickBooks Online plan)
Bill Pay included with QuickBooks Online, which starts at $38 per month; Bill Pay Premium $15 per month and Elite $45 per month
“Get QuickBooks Online Plans starting at $38 per month.” Quoted from the pricing page, November 9, 2026.
- Free plan
- No
- Free trial
- 30 days
- Value (40%)
- 8.3
- Features (35%)
- 8.3
- Ease of use (25%)
- 8.6
Best forBusinesses already paying for QuickBooks Online that want vendor payments recorded in their books automatically.
QuickBooks Bill Pay is the natural choice if you already run your books in QuickBooks Online. Intuit includes basic Bill Pay in every QuickBooks Online subscription and advertises free standard ACH bill payments, with checks at $1.50 per payment and Faster ACH at $10. Instant payments cost 1% of the amount with a $100 maximum. AI bill creation reads uploaded invoices into bills with line items and due dates, and paid payments match to your bank transactions so reconciliation is quicker. Bill Pay Premium ($15 per month) and Elite ($45 per month) add features such as a dedicated bills inbox, approvals and roles; Elite is included with QuickBooks Advanced. The catch is the base subscription: QuickBooks Online starts at $38 per month, so for a business that does not need the accounting software, Mercury or Melio cost less. Standard ACH takes 3 to 5 business days and checks 8 to 10, so plan due dates accordingly.
- ✓Standard ACH is free with no stated volume cap
- ✓Payments match to transactions in QuickBooks
- ✓Faster ACH at $10 when a vendor needs money sooner
- ✕Requires a QuickBooks Online subscription from $38 per month
- ✕Approval workflows and inbox features sit on Premium and Elite
- ✕Standard ACH takes 3 to 5 business days
- Bill Pay plans:
- $0, Premium $15, Elite $45 per month
- Standard ACH fee:
- Free
- Check fee:
- $1.50
- Faster ACH:
- $10
- Instant payment:
- 1% of amount, $100 maximum
Bottom line: Free standard ACH inside the accounting software many small businesses already use. Not worth it on its own if you would buy QuickBooks just for bill pay.
- 05
Relay
8.3/10Small business banking with built-in accounts payable for creating, approving and paying bills by ACH, wire or check.
Price
$30per month
Free Starter plan with bill creation and approvals; Grow $30 per month; Scale $90 per month (discounted from $120)
“Grow For small & medium-sized teams $ 30 /month Get 14-day trial” Quoted from the pricing page, November 9, 2026.
- Free plan
- Yes
- Free trial
- 14 days
- Value (40%)
- 8.6
- Features (35%)
- 7.8
- Ease of use (25%)
- 8.4
Best forOwners who want banking, bills and approvals in one app, and who may hold cash in several checking accounts.
Relay is a fintech banking platform, with banking services provided by Thread Bank, that bundles accounts payable into every plan. On the free Starter plan you can create, upload and email bills, import them from QuickBooks Online or Xero, set multi-step approval rules and pay by ACH, domestic or international wire, or check. Grow costs $30 per month and adds batch vendor payments and lower payment fees, while Scale, listed at $90 per month for a limited time instead of $120, adds bill payment automation and removes the fee on same-day ACH. Relay also lets a business open up to 20 checking accounts on Starter and Grow, which suits owners who split cash into accounts for taxes, payroll and vendors. The pricing page notes that additional transaction fees apply, so check the per-payment rates for your mix before switching. Like Mercury, Relay only pays bills from a Relay account.
- ✓Free plan already includes bills and multi-step approvals
- ✓Up to 20 checking accounts on Starter and Grow for cash budgeting
- ✓Imports bills from QuickBooks Online and Xero
- ✕You must bank with Relay to pay bills from it
- ✕Batch payments and fee savings need the $30 Grow plan
- ✕Bill payment automation is on Scale only
- Free plan:
- Yes, Starter
- Paid plans:
- Grow $30, Scale $90 per month (limited-time price)
- Payment methods:
- ACH, wire, check
- Checking accounts:
- 20 on Starter and Grow, 50 on Scale
Bottom line: A good free option for owners who want approvals and banking together. Move to Grow at $30 per month once you need batch payments.
- 06
Xero
7.9/10Cloud accounting software whose US business plans now include free standard ACH bill payments.
Price
$27per month
Early $27 per month (promotional $5.40 for the first 3 months); Growing $59; Established $97
“Early $ 5 . 40 per month for the first 3 months Then $27 per month An easy financial foundation” Quoted from the pricing page, November 9, 2026.
- Free plan
- No
- Value (40%)
- 7.8
- Features (35%)
- 7.9
- Ease of use (25%)
- 8.0
Best forSmall businesses that want accounting and bill pay in one subscription and prefer Xero to QuickBooks.
Xero now includes free standard ACH bill payments in its US business plans, which turns its accounting subscription into a capable bill pay tool. Bills can be organized by status, given planned payment dates and set to repeat, and Xero lists both domestic (free ACH) and cross-border online bill payments on its Early, Growing and Established plans. You can create and print checks from Xero, but unlike Melio or Mercury it does not mail them for you on the pay bills page, so check-heavy vendors take more work. Early costs $27 per month after a promotional $5.40 for the first 3 months, Growing $59 and Established $97. Early caps you at 20 invoices, which matters if you also bill customers. The plan comparison also lists a separate international bill payment feature that only Established includes. For a business choosing new accounting software, Xero plus free ACH is a fair alternative to QuickBooks at a lower entry price.
- ✓Bill pay is included in the accounting subscription
- ✓Cross-border bill payments on every plan
- ✓Early plan costs less than QuickBooks Online Simple Start
- ✕Early plan is limited to 20 invoices
- ✕Checks are printed by you rather than mailed
- ✕International online bill payments are excluded on Early and Growing in the plan comparison
- Starting price:
- $27 per month after the promo
- Standard ACH fee:
- Free
- Checks:
- Create and print from Xero
- Promo:
- 80% off for 3 months
Bottom line: A cheaper route than QuickBooks to accounting with free ACH bill pay. Less convenient if many vendors still want mailed checks.
- 07
BILL
7.8/10Accounts payable and receivable automation with approval workflows, accounting sync and a large network of vendors.
Price
$49per user per month
Essentials $49 per user per month; Team $65; Corporate $89; ACH $0.59 and checks $1.99 per payment
“Essentials $ 49 user/ month Spend 50% less time on AP or automate invoicing and get paid 2x faster.” Quoted from the pricing page, November 9, 2026.
- Free plan
- No
- Value (40%)
- 6.8
- Features (35%)
- 9.0
- Ease of use (25%)
- 7.8
Best forBusinesses with a bookkeeper or several approvers that need audit trails and accounting sync more than low cost.
BILL is the most established name on this list and has the deepest AP controls, but it is also the most expensive for a small business. Essentials costs $49 per user per month, Team $65 and Corporate $89, and every payment adds a fee: $0.59 per ACH, $1.99 per check, $24.99 for an overnight check and $19.99 for an international USD wire. FX wires in foreign currency carry no fee beyond the exchange rate, and virtual card payments are free. Essentials syncs with accounting software only through CSV import and export; automatic two-way sync with QuickBooks Online, QuickBooks Pro, QuickBooks Premier and Xero starts on Team, and custom user roles start there too. A two-person team on Team paying 40 bills a month by ACH would spend about $154 a month, versus $0 on Mercury. BILL earns its place when approvals, audit trails and an accountant console matter more than price, which is why it ranks lower here on value but highest on features.
- ✓Deep approval controls and audit trail
- ✓Accountant console for firms that manage many clients
- ✓Free international FX wires, with the exchange rate applied
- ✕$49 per user per month before any payment fees
- ✕Every ACH costs $0.59 and every check $1.99
- ✕Essentials syncs with accounting software only by CSV file
- Starting price:
- $49 per user per month
- ACH fee:
- $0.59
- Check fee:
- $1.99
- Overnight check:
- $24.99
- Void a check:
- $25
Bottom line: The deepest approval and AP controls we compared, at a price most small businesses will feel. Choose it when your bookkeeper or CPA already works in BILL.
- 08
Brex
7.7/10A corporate card and spend platform whose free Essentials plan includes bill pay, reimbursements and accounting integrations.
Price
$12per user per month
Essentials $0 per user per month with bill pay; Premium $12 per user per month
“Premium For mid-sized companies looking to scale $12 user/month” Quoted from the pricing page, November 9, 2026.
- Free plan
- Yes
- Value (40%)
- 7.6
- Features (35%)
- 8.0
- Ease of use (25%)
- 7.6
Best forVenture-backed or fast-growing small companies that want cards, expenses and bill pay in one place.
Brex fits small companies that care as much about corporate cards and expense control as about paying vendors. Its Essentials plan costs $0 per user per month and lists bill pay alongside global card acceptance, AI-powered custom rules, accounting integrations, local currency wires, reimbursements, travel booking and API access. Premium, at $12 per user per month, adds customizable expense policies, dynamic review chains, advanced approvals with spend limit chains and multi-entity support. Brex notes on its site that it is a wholly owned subsidiary of Capital One. For the buyer this list targets, the weak spot is fee transparency: the pricing page we checked does not list per-payment costs for ACH or checks, so you cannot compare it line by line with Mercury, Melio or Ramp before signing up. Ask for the fee schedule first. If your spending is mostly cards and you pay a modest number of bills, the free plan is a reasonable consolidated option.
- ✓Bill pay, cards and expenses together at $0 per user
- ✓Local currency wires for foreign vendors
- ✓Premium adds advanced approval chains and multi-entity support
- ✕Per-payment fees for ACH and checks are not shown on the pricing page
- ✕Built for startups and growing companies more than local shops
- ✕Advanced approvals require Premium at $12 per user
- Free plan:
- Yes, Essentials
- Paid plan:
- Premium $12 per user per month
- Entities on Essentials:
- Up to two (1 global entity)
- Owner:
- Wholly owned subsidiary of Capital One
Bottom line: A solid free choice when cards and expenses matter as much as bill pay. Confirm ACH and check fees before you commit, because the pricing page does not list them.
- 09
Plooto
7.4/10Payables and receivables automation for Canadian and US businesses, with approval workflows and two-way accounting sync.
- Free plan
- No
- Free trial
- 30 days
- Value (40%)
- 7.0
- Features (35%)
- 7.6
- Ease of use (25%)
- 7.8
Best forBusinesses that pay vendors in both Canada and the US and want sync with their accounting software.
Plooto is best known in Canada, and its pricing page shows it: plans list domestic EFT and EMT payments, paper cheques and CRA payments alongside ACH. For a business with vendors on both sides of the border, that mix is useful, because one tool covers US ACH and Canadian EFT. Plans include Plooto Capture for OCR invoice processing and two-way sync with accounting software, and approval workflows range from one designated approver on Go to custom rules with unlimited approvers on Grow. Pay by Card lets you charge a commercial credit card and have the vendor receive ACH, EFT or a cheque. Each plan has a 30-day free trial. Go is only available to clients of accounting firms. We could not confirm from the page as fetched whether its prices are in US or Canadian dollars, so we have not listed a starting price; check the pricing page from a US location before you compare it with Melio or BILL.
- ✓Handles both US ACH and Canadian EFT payments
- ✓30-day free trial on plans
- ✓Approval rules scale from basic to multi-step
- ✕Pricing page we fetched does not state its currency
- ✕Go plan is available only to accounting-firm clients
- ✕ACH payments carry a per-payment fee on every plan
- Free trial:
- 30 days
- Plans:
- Go (accountant clients only), Grow, Pro
- Payment rails:
- ACH, EFT, cheque, card, international
Bottom line: A practical option for businesses that pay vendors in both the US and Canada. Confirm whether the prices you see are in USD before you sign up.
- 10
Tipalti
7.2/10Finance automation for accounts payable and global payouts, with a supplier portal, PO matching and tax compliance.
Price
$99per month plus transaction fees
AP automation plans from $99 per month plus transaction fees; global payables from $249 per month
“Plans starting at $99 /month Includes unlimited users, a self-service supplier portal, and core automation features” Quoted from the pricing page, November 9, 2026.
- Free plan
- No
- Value (40%)
- 5.8
- Features (35%)
- 9.2
- Ease of use (25%)
- 6.8
Best forLarger small businesses and mid-size firms that pay many international suppliers and need tax ID checks.
Tipalti is built for companies whose payables are complex, and it prices accordingly. AP automation plans start at $99 per month with unlimited users, a self-service supplier portal and core automation such as invoice processing, PO matching and reconciliation. Global payables plans start at $249 per month for businesses paying large payee networks across borders. Both add transaction pricing per invoice and payment, which the pricing page does not list. On features Tipalti leads this list for international work: it pays in 200+ countries and territories using local rails, holds money transmitter licenses in the US, Canada, the UK and the EU, validates tax IDs across 62 countries against 3,000+ rules, and runs OFAC and AML screening. For a small business paying a dozen local vendors by ACH and check, that is more than you need, and the $99 base fee plus unknown transaction costs puts it last here on value. It becomes worth a look when you onboard hundreds of suppliers or contractors abroad.
- ✓Unlimited users on every plan
- ✓Global payment reach and tax compliance built in
- ✓Scales to procurement, expenses and treasury modules
- ✕$99 per month before transaction fees
- ✕Transaction pricing is not published on the pricing page
- ✕More setup than a small business paying local vendors needs
- Starting price:
- $99 per month
- Users:
- Unlimited
- Payment reach:
- 200+ countries and territories
- Tax ID validation:
- 62 countries, 3,000+ rules
Bottom line: The strongest global payables platform on the list, priced for firms with many foreign suppliers. Overkill for a small business paying local vendors.
What to check before you pay
Count your payments, then do the math
Per-payment fees add up faster than subscriptions. Forty ACH payments a month cost $0 on Mercury, about $17.50 on Melio's free plan after its 5 free payments, $23.60 on Ramp and $23.60 on BILL before BILL's $49 per user fee. Write down how many ACH payments and checks you send each month and price each tool on that number.
Check fees matter if vendors want paper
Mailed checks cost $0 on Mercury, $1.50 on Melio and QuickBooks Bill Pay, and $1.99 on Ramp and BILL. Overnight checks are far more expensive, from $20 on Ramp to $50 on Melio. Xero lets you print checks yourself rather than mailing them for you.
Decide whether you will switch banks
Mercury, Relay and Brex pay bills from their own accounts, so you get the lowest fees only if you move your operating cash. Melio, Ramp, BILL, QuickBooks Bill Pay and Xero work with an existing bank account. If switching banks is off the table, start with Melio or the bill pay inside your accounting software.
Match approvals to your team size
A solo owner does not need approval chains. Teams with a bookkeeper or a second signer should look at Relay's free multi-step approvals, Melio Boost, BILL Team or Ramp. Check whether two-way accounting sync is on the plan you plan to buy: BILL Essentials, for example, syncs only by CSV file.
FAQ
What is the cheapest bill pay software for a small business?
Mercury is the cheapest we found: its free plan includes unlimited bill payments with $0 standard ACH and $0 mailed checks, as long as you bank with Mercury. If you keep your current bank, Melio's free plan includes 5 ACH payments a month, then $0.50 each, with checks at $1.50.
How much does it cost to send an ACH payment to a vendor?
It depends on the tool. Standard ACH is free on Mercury, QuickBooks Bill Pay and Xero, $0.50 on Melio after the monthly free allowance, and $0.59 on Ramp and BILL. Same-day ACH costs extra, for example $10 on Ramp and $11.99 for faster ACH on BILL.
Which bill pay software mails paper checks?
Mercury, Melio, QuickBooks Bill Pay, Ramp, BILL and Relay all send checks to vendors. Mercury charges $0, Melio and QuickBooks $1.50, and Ramp and BILL $1.99 for a standard check. Xero lets you create and print checks yourself.
Do I need accounting software to use bill pay?
No. Mercury, Melio, Ramp, Relay and BILL work as standalone tools and sync with QuickBooks or Xero if you use them. QuickBooks Bill Pay requires a QuickBooks Online plan from $38 per month, and Xero's free ACH comes with its plans from $27 per month.
Is BILL worth it for a small business?
Only if you need its approval workflows, audit trail or accountant console. Essentials costs $49 per user per month plus $0.59 per ACH and $1.99 per check, so a small team paying a few dozen bills a month will pay far less with Mercury, Melio or Ramp.
Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.
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