Free plans only

5 Best Free Bill Pay Software for Small Business of 2026

By the Rankozo research desk · Updated November 9, 2026

5 of the 10 tools in our best bill pay software for small business ranking offer a permanent free plan. Mercury scores highest among them at 8.9 out of 10.

1. 01

   Mercury

   Small businesses that want to pay vendors by ACH or check with no per-payment fees and are willing to bank with Mercury.

   Free plan with bill pay; Mercury Plus $29.90 per month billed annually; Mercury Pro $299 per month

   Full entry, No. 1 overall

   Paid from

   $29.90

   Score 8.9

2. 02

   Melio

   Small businesses that want bill pay without switching banks and send a modest number of payments each month.

   Free Go plan for one user with 5 free ACH payments a month; Core $25 per month, or $20 per month billed annually

   Full entry, No. 2 overall

   Paid from

   $20

   Score 8.8

3. 03

   Ramp Bill Pay

   Growing small businesses that want strong automation such as line-item OCR and invoice matching without a software 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

   Full entry, No. 3 overall

   Paid from

   $15

   Score 8.7

4. 04

   Relay

   Owners who want banking, bills and approvals in one app, and who may hold cash in several checking accounts.

   Free Starter plan with bill creation and approvals; Grow $30 per month; Scale $90 per month (discounted from $120)

   Full entry, No. 5 overall

   Paid from

   $30

   Score 8.3

5. 05

   Brex

   Venture-backed or fast-growing small companies that want cards, expenses and bill pay in one place.

   Essentials $0 per user per month with bill pay; Premium $12 per user per month

   Full entry, No. 8 overall

   Paid from

   $12

   Score 7.7

Scores and prices come from our Best Bill Pay Software for Small Business ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com