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Managing business payments doesn’t have to be difficult. With so many options out there, it can be tricky to figure out which B2B payments solution actually helps you move money faster, simplify B2B billing, and keep your operations running smoothly.
Here, we’re breaking down the top B2B payments companies for 2025, from real-time payment tools to all-in-one accounts payable and accounts receivable platforms Whether you care most about automation, speed, or international transfers, we’ve got you covered.
What makes a great B2B payments solution?
Not all B2B payments solutions are built the same. For small businesses choosing the right one matters the most as it can affect the cash flow big time and ultimately growth. A great payment tool goes beyond just sending money but it helps you handle vendor payments, customer collections, without being stuck in spreadsheets. The best ones offer instant or same-day payments for ACH, clear and affordable pricing, an easy-to-use interface, seamless accounting integrations, and approval workflows your team can actually use. A solid B2B payments platform should make your billing smarter, your books cleaner, and your operations run smoother.
The top B2B payments companies for 2025 compared
Forwardly
Overview
Forwardly is a B2B payments solution that simplifies and automates accounts payable (AP) and accounts receivable (AR) for small and medium-sized businesses. Its AI-powered bill capture, custom approval workflows, and simple dashboard streamline payables and receivables while improving cash flow with faster and flexible payment options. Seamless sync with QuickBooks, Xero, Zoho Books, and FreshBooks eliminates manual entry, while multi-client management and bulk approvals make it ideal for accounting firms and growing businesses.
Recognized as the “Accounting Tech of the Year” at the US Fintech Awards, the winner of “Best Real-Time Payments Solution” at the 2023 PayTech Awards and 2024 CPA Practice Advisor Technology Innovation Award, Forwardly stands out as one of the top B2B payment companies for faster payments.
Forwardly top features
- Send and receive money in 60 seconds or less with instant, same-day, next-day, or standard speeds, even on weekends and holidays.
- AI-powered bill automation to upload or email bills, auto-extract key details, match vendors, and schedule payments automatically.
- Smart scheduling and auto-pay to pay exactly on due dates to avoid late fees, with scheduling up to 90 days in advance.
- Seamless accounting sync with QuickBooks Online, Zoho Books and FreshBooks; auto-updates invoices, bills, and payment statuses.
- Cost-effective processing to save up to 80% on fees with transparent, usage-based pricing and no monthly costs or user limits.
- Custom approval workflows and roles to set thresholds by amount or category, assign permissions, and maintain full audit trails.
- Multi-client dashboard to manage multiple accounts, approve in bulk, and view cross-client cash flow in one place.
- Express migration and onboarding to move from 5 to 5,000 clients quickly with white-glove onboarding and volume-based fee discounts.
Pros
- Offers true instant payments that settle in less than 60 seconds
- No monthly fees or per-user costs
- Can operate without accounting integrations or sync directly with them
- Automated reconciliation and transaction tracking
- Easy vendor onboarding and bank detail requests
- Recognized by multiple fintech and accounting award programs
- Makes it easy to pay vendors without requiring them to sign up
Cons
- Limited to domestic US payments only; no international currency support
- Real-time payment limit of $10,000 per vendor per day unless raised
Pricing
Forwardly doesn’t charge any monthly subscription fees. Forwardly is one of the most affordable real-time accounts payable and accounts receivable platform.
Visit here for detailed pricing.
Melio Payments
Overview
Melio is a small business-focused account payable and receivable tool. It offers a simple and easy-to-use platform that allows businesses to pay their bills and invoices using a bank transfer, debit card or credit card. The platform offers several features, including recurring payments, payment tracking, international payments and easy integration with QuickBooks Online. Melio Payments is perfect for small businesses that need a simple and intuitive platform for managing payments.
Top Features
- Accept payments through shareable pay links and virtual cards
- Offers international vendor payments in multiple currencies
- Allows bill splitting across multiple payment methods
- Virtual card support for added security
- Payment status tracking within the dashboard
Pros
- Clean, user-friendly interface with minimal learning curve
- Supports international vendor payments in over 70 countries
- Enables recurring payments and basic automation
Cons
- Instant payments are not truly real-time and can take up to 30 minutes
- Instant transfer fee is 1% (up to $75), in addition to card processing fees
- Payments made after 2 p.m. ET are processed the following business day
- Adding vendors through Melio’s payment links can sometimes create duplicates instead of matching the existing record in QuickBooks, which means extra time spent fixing the list.
- Some users say their “fast payment” requests often get declined, no matter the amount, which can cause delays and even late payments.
- The web version works, but a few users feel it takes more clicks than it should to get things done.
- Help isn’t always quick, and without direct phone support, urgent issues can be frustrating to resolve.
Pricing
Although Melio markets itself as a free payment tool, many of its most valuable features are only included in a paid plan. The Go plan is free but with limited features, Core plan starts at $25 per month, Boost plan is priced at $55 per month, and the Unlimited plan, starts at $80 per month. Melio also offers Platinum plan provides custom pricing for businesses requiring tailored solutions. Monthly plan costs can quietly pile up over time.
BILL (Bill.com)
Overview
BILL is among the most well-regarded of all B2B payment companies, offering automated accounts payable, accounts receivable solutions and financial automation software tailored to small and midsize businesses (SMBs). The platform helps businesses streamline payment processes, including invoice scanning, approval workflows, and electronic payments. BILL is an excellent choice for businesses looking to automate their payment processes and reduce administrative workload.
Top Features
- Full AP and AR automation with invoice scanning and matching
- Customizable approval workflows and role-based permissions
- In-app invoice upload, vendor data storage, and bill tracking
Pros
- Enables multi-user approvals and controls for growing finance teams
- Suitable for remote teams with full cloud access and mobile app
- Vendors can input their own payment details, reducing back-and-forth
- Supports recurring billing and scheduled payments
Cons
- Slower payment processing, especially for ACH and checks (often 3-5 business days)
- Instant transfers can take up to 30 minutes and have additional fees
- Higher subscription cost compared to other B2B payment tools
Pricing
BILL offers several pricing tiers based on features and firm size. The Essentials plan is $45 per user per month, the Team plan is $55 per user per month, and the Corporate plan is $79 per user per month. For larger organizations with advanced needs, an Enterprise plan is available with custom pricing.
Veem
Overview
Veem offers a global payment platform that simplifies how you can send and receive payments domestically and internationally. The platform offers competitive exchange rates and allows businesses to pay vendors and suppliers in over 100 countries. Veem is an excellent choice for businesses that conduct international transactions regularly.
Top Features
- International and domestic B2B payments
- Supports multiple currencies
- Digital wallet to hold and convert currencies as needed
Pros
- Transparent exchange rates with in-app visibility
- Simplifies vendor onboarding for cross-border payees
- Enables global mass payouts through a single platform
Cons
- Limited B2B billing and AR/AP automation capabilities
- International transfers may take up to 3 to 5 business days to process
- Fees can vary based on currency and payment method
Pricing
Veem does not charge a monthly subscription for its basic service, but the premium plan costs $24.99 per month.
GoCardless
Overview
GoCardless is a payment processing platform that allows businesses to collect recurring payments from customers worldwide. It enables automated bank-to-bank (ACH) transfers, eliminating the need for businesses to chase payments and reducing late payments. With GoCardless, businesses can set up payment plans, manage subscriptions, and offer customers flexible payment options. While the platform offers ease of use and reliable processing, there may be limitations for businesses operating in certain industries or countries, and there are transaction fees.
Top Features
- Automatically collects payments for subscriptions or installment plans with no manual work
- Reduces failed payments by retrying them at smarter times with built-in optimization
- Detects suspicious payers instantly with real-time fraud protection features
- Gets all your payments settled into one business account without extra steps
Pros
- Low fees for smaller transactions under $3,000
- Reduces late payments with pre-approved bank withdrawals
- Re-entering payment details for each invoice is not needed
Cons
- Limited payment method flexibility for one-time or large B2B purchases
- Pricing is complex for higher-value or international transactions
- Some users report challenges during initial onboarding or customer cancellations
- Dispute handling and support response times can be slow
Pricing
GoCardless offers tiered pricing plans based on features and transaction volume. The Standard plan charges 0.5% + $0.05 per transaction, while the Advanced plan, its most popular option, costs 0.75% + $0.05 per transaction. The Pro plan is priced at 0.9% + $0.05 per transaction. For businesses with high payment volumes or specific needs, GoCardless also provides a Custom plan with bespoke pricing and dedicated support.
Plooto
Overview
Plooto is a comprehensive platform designed to streamline businesses’ accounts payable and accounts receivable processes both domestically and internationally. With its all-in-one solution, Plooto allows for seamless automation of payments, unified processes, enhanced control, and simplified reporting. The platform offers a range of features including accounting integrations, customizable approval workflows, and recurring payments, and pre-authorized debit agreements. Also, Plooto facilitates automated workflows and provides the convenience of Plooto Instant, requiring a pre-funded wallet for instant transactions.
Top Features
- Domestic and international B2B payments in 30+ countries
- ACH/EFT, credit card, and online check payment support
- Centralized invoice management and document storage
- Recurring payments and pre-authorized debit agreements
- One-click payment approvals and email notifications
Pros
- Works with a large network of over 120,000 vendors
- Simple flat-rate pricing
- Offers international payments with competitive exchange rates
Cons
- Doesn’t include full accounting features, focused only on payment workflows
- Only works with QuickBooks and Xero, no other integrations
- No mobile app available, so you can’t manage payments on the go
Pricing
Plooto offers three plans namely Go at $9/month, Grow starting from $32/month and Pro starting from $99/month.
B2B payments are about managing recurring payments, tracking receivables, and syncing everything with your books apart from sending payments. Tools like Forwardly, BILL, and GoCardless offer full AR automation, while Melio and Veem provide more lightweight billing options.
Are you ready to streamline your B2B payments?
If you want instant payouts, real-time visibility, and automated billing, without monthly fees, Forwardly gives you everything you need in one place.
Try it free today and see how fast business payments should really be.
