Sorted by starting price

9 Cheapest Bill Pay Software for Small Business of 2026

By the Rankozo research desk · Updated November 9, 2026

Among the 10 tools in our best bill pay software for small business 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

   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

   Starts at

   $12

   Score 7.7

2. 02

   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

   Starts at

   $15

   Score 8.7

3. 03

   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

   Starts at

   $20

   Score 8.8

4. 04

   Xero

   Small businesses that want accounting and bill pay in one subscription and prefer Xero to QuickBooks.

   Early $27 per month (promotional $5.40 for the first 3 months); Growing $59; Established $97

   Full entry, No. 6 overall

   Starts at

   $27

   Score 7.9

5. 05

   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

   Starts at

   $29.90

   Score 8.9

6. 06

   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

   Starts at

   $30

   Score 8.3

7. 07

   QuickBooks Bill Pay

   Businesses already paying for QuickBooks Online that want vendor payments recorded in their books automatically.

   Bill Pay included with QuickBooks Online, which starts at $38 per month; Bill Pay Premium $15 per month and Elite $45 per month

   Full entry, No. 4 overall

   Starts at

   $38

   Score 8.4

8. 08

   BILL

   Businesses with a bookkeeper or several approvers that need audit trails and accounting sync more than low cost.

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

   Full entry, No. 7 overall

   Starts at

   $49

   Score 7.8

9. 09

   Tipalti

   Larger small businesses and mid-size firms that pay many international suppliers and need tax ID checks.

   AP automation plans from $99 per month plus transaction fees; global payables from $249 per month

   Full entry, No. 10 overall

   Starts at

   $99

   Score 7.2

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