Sorted by starting price

7 Cheapest Accounts Payable Software of 2026

By the Rankozo research desk · Updated November 12, 2026

Among the 10 tools in our best accounts payable software ranking, Brex has the lowest verified paid starting price at $12 per user per month. Prices below are quoted from each vendor's US pricing page.

1. 01

   Brex

   Companies that want AP and corporate cards in one free platform

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

   Full entry, No. 3 overall

   Starts at

   $12

   Score 8.3

2. 02

   Ramp Bill Pay

   Finance teams that want full AP automation without a platform fee

   Free tier with no monthly software fee; standard ACH $0.59 and checks $1.99 per payment; Ramp Plus $15 per user per month plus a platform fee

   Full entry, No. 1 overall

   Starts at

   $15

   Score 9.0

3. 03

   Zoho Books

   Small businesses that want AP inside low-cost accounting software

   Free plan; Standard $15 per organization per month billed annually ($20 monthly); BillPay add-on $59 per month billed annually

   Full entry, No. 4 overall

   Starts at

   $15

   Score 8.2

4. 04

   Melio

   Small teams that want low-cost AP without switching banks

   Free Go plan for one user with 5 free ACH payments a month; Core $25 per month, or $20 per month billed annually; Unlimited $64 per month billed annually

   Full entry, No. 2 overall

   Starts at

   $20

   Score 8.7

5. 05

   BILL

   Accountants and finance teams that want a familiar AP workflow and vendor network

   Essentials $49 per user per month; Team $65; Corporate $89; ACH $0.59 and mailed checks $1.99 per payment

   Full entry, No. 5 overall

   Starts at

   $49

   Score 8.1

6. 06

   Tipalti

   Finance teams paying suppliers across many countries and entities

   Accounts Payable plans from $99 per month plus transaction fees; Mass Payments from $249 per month

   Full entry, No. 7 overall

   Starts at

   $99

   Score 7.8

7. 07

   Routable

   Companies paying large numbers of vendors or contractors by API

   Growth $1,250 per month billed monthly, 20% less billed annually; Scale and Enterprise custom

   Full entry, No. 9 overall

   Starts at

   $1250

   Score 7.2

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