Accounts payable (AP) software manages money going out: capturing vendor invoices, routing approvals, and paying suppliers. Accounts receivable (AR) software manages money coming in: invoicing customers, sending reminders, collecting payments, and applying cash.
There is no single best tool. For Salesforce-native AP, look at Quick Payable. For global supplier payments, Tipalti. For a full accounting system, Sage Intacct. For enterprise procurement and spend, Coupa. On the AR side, Quick Receivable fits Salesforce teams, HighRadius and Gaviti fit enterprise and mid-market collections, and BILL and Invoiced fit simpler billing and payment needs.
AP vs AR: What's the Difference?
AP and AR are two sides of the same cash flow. Many companies need software for both, but the workflows and the people who run them are different. For a deeper look, see our guide to accounts payable vs accounts receivable.
| Accounts Payable (AP) | Accounts Receivable (AR) | |
|---|---|---|
| Money flow | Money your business owes | Money customers owe you |
| Main records | Vendor invoices and bills | Customer invoices |
| Main workflows | Capture, match, approve, pay | Invoice, remind, collect, apply cash |
| Main goal | Accurate, on-time payments with strong controls | Faster collections and predictable cash flow |
| Common problems | Manual entry, slow approvals, duplicate payments | Late payments, disputes, unapplied cash |
| Key metrics | Processing time, approval cycle time, cost per invoice | DSO, AR aging, collection effectiveness, cash application rate |
| Report to watch | AP aging | AR aging |
How We Evaluated AP and AR Software
Methodology
We chose ten widely used products that represent different approaches to AP and AR automation: Salesforce-native apps, global payables platforms, accounting systems, procurement suites, and dedicated collections tools. "Best" here means best fit for a specific need, not a single winner.
For AP tools we looked at invoice capture, PO matching, approval workflows, exception handling, payment execution, global payments, and integrations. For AR tools we looked at invoicing, collections automation, cash application, dispute and deduction management, credit management, customer payment options, and reporting. For both we reviewed pricing transparency, multi-entity support, implementation, and target company size.
We reviewed official product pages, documentation, and published pricing. We do not assign scores, star ratings, or pros and cons based on opinion. Features and pricing change often, so verify current details with each provider before you buy.
Product information last verified: October 2026.
Best Accounts Payable Software
These five AP tools solve different problems. Use the "Good fit when" line in each to see which one matches yours.
| Product | Primary scope | Good fit for |
|---|---|---|
| Quick Payable | Salesforce-native AP automation | Salesforce teams that want to automate vendor invoices and keep their current ERP |
| Tipalti | Global AP and supplier payments | Companies paying many vendors across countries and currencies |
| Sage Intacct | Accounting system with AP and AR | Mid-market companies that want AP inside a full financial system |
| Coupa | Procurement, invoicing, and spend management | Large enterprises that want procure-to-pay on one platform |
| MineralTree | AP automation and payments | Mid-market teams adding invoice-to-pay on top of an existing ERP |
Quick Payable
Quick Payable is an accounts payable app built on Salesforce by Differenz System. It's designed for organizations that already use Salesforce and want to manage vendor invoices there, with integrations to the ERP or accounting system that stays the financial system of record.
- Key capabilities
- Invoice capture from a connected email inbox or upload, with AI OCR that extracts invoice number, vendor, dates, amounts, and line items. Duplicate invoice detection, approval routing by approver monetary limit with escalation to a manager, vendor records with default GL coding, a vendor-facing portal for submission and payment status, multi-entity AP, audit trail, and Salesforce dashboards.
- Payments
- Tracks payment status in Salesforce. Payment records sync through an ERP connection, Salesforce APIs, or CSV/Excel import and export.
- Pricing
- For existing Salesforce customers, $100 per user per month billed annually, plus $0.50 per invoice processed. For companies without Salesforce, plans that include the required Salesforce subscription start at $250 per user per month. One-time implementation ranges from $0 to $10,000 depending on scope. 15-day free trial.
- Good fit when
- Salesforce is central to your operations and you want Salesforce accounts payable automation without replacing your general ledger.
- Considerations
- Built for Salesforce environments. Covers AP only, not AR or employee expenses. Complex approval structures may need extra configuration during implementation.
Sources: Pricing Documentation AppExchange
Tipalti
Tipalti offers a connected suite for accounts payable, mass payments, procurement, and expenses. It's built for finance teams that pay suppliers or payees in many countries and need supplier onboarding, tax form collection, and global payment methods in one place.
- Key capabilities
- Invoice capture and approval workflows, a self-service supplier portal, supplier tax and compliance onboarding, global payments across many currencies and payment methods, payment reconciliation, and ERP integrations. Some capabilities, such as PO matching and multi-entity support, depend on the plan.
- Payments
- Executes domestic and international payments directly.
- Pricing
- Tipalti's pricing page lists Accounts Payable plans starting at $99 per month, including unlimited users. Transaction fees for payments are charged separately.
- Good fit when
- Cross-border supplier payments and tax compliance are your biggest AP challenges.
- Considerations
- Total cost depends heavily on payment volume and transaction fees. Teams paying only a few domestic vendors may not need its global depth.
Source: Tipalti pricing
Sage Intacct
Sage Intacct is a cloud financial management and accounting system. AP and AR are modules inside a broader platform that includes the general ledger, cash management, multi-entity consolidation, and financial reporting.
- Key capabilities
- AP and AR workflows, general ledger, multi-entity and multi-currency accounting, cash management, bank reconciliation, and dimensional reporting. Embedded vendor payments by ACH, virtual card, or check are available through Vendor Payments powered by MineralTree.
- Payments
- Through the embedded vendor payments option or connected payment providers.
- Pricing
- Quote-based, depending on modules, entities, and users.
- Good fit when
- You need to replace or upgrade your accounting system and want AP and AR built in.
- Considerations
- Adopting a new accounting system is a larger project than adding AP or AR automation, with chart of accounts design and data migration.
Coupa
Coupa is a business spend management platform that connects sourcing, procurement, invoicing, and payments. AP is part of a wider procure-to-pay process, which makes it most relevant for large organizations with formal purchasing.
- Key capabilities
- Purchase requisitions and POs, supplier management, invoice processing with PO matching, e-invoicing, supplier payments through Coupa Pay, and spend analytics.
- Payments
- Supplier payments through Coupa Pay.
- Pricing
- Quote-based.
- Good fit when
- You want procurement and AP on one enterprise platform with strong purchasing controls.
- Considerations
- A procure-to-pay rollout touches purchasing, finance, and suppliers, so implementation scope is typically much larger than an AP-only tool.
Source: Coupa
MineralTree
MineralTree, part of Global Payments, offers AP and payment automation in three forms: TotalAP for the mid-market, Inspyrus for high-volume enterprise and multi-ERP environments, and Vendor Payments embedded in Sage Intacct.
- Key capabilities
- Invoice capture, approval workflows, full invoice-to-pay or payments-only options, multi-currency invoice processing, and integrations with ERPs such as Sage Intacct, NetSuite, and QuickBooks.
- Payments
- ACH, virtual card, and check.
- Pricing
- Quote-based.
- Good fit when
- You want to add invoice-to-pay automation and electronic payments to an existing ERP without changing it.
- Considerations
- Focused on AP and payments, not procurement or AR. Choose between its three product lines based on volume and ERP setup.
Source: MineralTree
AP Software Comparison
| Capability | Quick Payable | Tipalti | Sage Intacct | Coupa | MineralTree |
|---|---|---|---|---|---|
| Salesforce-native | Yes | No | No | No | No |
| Primary scope | AP automation | Global AP and payments | Full accounting | Procure-to-pay | AP and payments |
| Invoice capture / OCR | AI OCR | Yes | Confirm with vendor | Yes | Yes |
| PO matching | Confirm three-way needs in demo | Plan-dependent | Confirm with vendor | Yes | Confirm with vendor |
| Payment execution | Status tracking; via ERP or CSV | Yes, global | Via embedded payments | Yes (Coupa Pay) | ACH, virtual card, check |
| Multi-entity | Yes | Plan-dependent | Yes | Yes | Confirm with vendor |
| Pricing model | Published: per user + per invoice | Published starting price + transaction fees | Quote-based | Quote-based | Quote-based |
Example AP use case
A distributor receives about 5,000 supplier invoices a month across three entities. It needs automated invoice capture, PO matching, approval routing by amount, and clear payment status for vendors. A dedicated AP tool or a procure-to-pay suite fits here. The deciding factor is usually whether purchasing also needs to change.
Best Accounts Receivable Software
AR tools range from simple invoicing and payment collection to full enterprise collections, cash application, and credit management.
| Product | Primary scope | Good fit for |
|---|---|---|
| Quick Receivable | Salesforce-native AR automation | B2B companies running customers and sales in Salesforce |
| Invoiced | Invoicing, billing, and payments | Businesses with recurring billing and customer self-service payment needs |
| HighRadius | Enterprise order-to-cash | Large companies with high payment volumes and complex remittances |
| BILL | AP and AR for small and mid-sized businesses | Teams on QuickBooks, Xero, or NetSuite that want simple online invoicing and payments |
| Gaviti | Modular invoice-to-cash | Mid-market and enterprise teams that want collections, cash application, and credit by module |
Quick Receivable
Quick Receivable is accounts receivable software built natively on Salesforce by Differenz System. It's designed for B2B companies, especially in industries such as equipment rental, construction, manufacturing, and distribution, that want collectors, credit, and dispute teams working from the same customer data as sales.
- Key capabilities
- Collections automation with dunning emails, AI-assisted collection calls, and risk-based prioritization; dispute and deduction capture and routing; cash application with remittance reading and payment-to-invoice matching; credit scoring; customer risk monitoring; and DSO and AR aging dashboards.
- Payments
- Applies and tracks payments; it does not offer a customer payment portal or online payment links.
- Pricing
- $100 per user per month, billed annually. One-time implementation ranges from $0 to $10,000 depending on complexity. Go-live in as little as four weeks. 15-day free trial.
- Good fit when
- Your customer and sales data already live in Salesforce and you want collections and cash application in the same place.
- Considerations
- Requires Salesforce. Does not support multi-currency or multi-entity AR, customer payment portals, or AR forecasting.
Source: Quick Receivable pricing
Invoiced
Invoiced, now part of Flywire, is an AR automation platform focused on invoicing, recurring billing, payment collection, and automated follow-up, with integrations to accounting systems such as NetSuite, Sage Intacct, and QuickBooks.
- Key capabilities
- Recurring billing, customer self-service payment portal, automated reminders and follow-up, payment plans, and accounting integrations.
- Payments
- Accepts card and ACH payments through its portal and supported payment gateways.
- Pricing
- Quote-based. Invoiced no longer publishes fixed plan prices.
- Good fit when
- Recurring or subscription billing and getting customers to pay online are your main AR needs.
- Considerations
- Confirm depth of cash application and deduction handling if you process complex remittances.
Source: Invoiced
HighRadius
HighRadius offers AI-driven order-to-cash and treasury software for large enterprises. Its AR suite covers credit, collections, cash application, deductions, and electronic invoicing, with integrations to major ERPs.
- Key capabilities
- Credit risk management, collections workflows and prioritization, cash application across payment sources, deduction management, e-invoicing and payments, and cash forecasting.
- Payments
- Electronic invoice presentment and payment options.
- Pricing
- Quote-based.
- Good fit when
- You process very high payment volumes across multiple ERPs or business units.
- Considerations
- Enterprise implementations usually involve several modules and longer timelines than mid-market tools.
Source: HighRadius
BILL
BILL (formerly Bill.com) offers AP and AR on the same subscription plans, plus a separate spend and expense product. Its AR features center on sending invoices and accepting payments online, with sync to common accounting systems.
- Key capabilities
- Custom invoices, online payment acceptance, automated reminders, AR tracking, and two-way sync with accounting software such as QuickBooks and Xero on higher plans.
- Payments
- Customers can pay by ACH or card; payment fees apply.
- Pricing
- Per-user monthly plans (Essentials, Team, Corporate, and Enterprise), with transaction fees for payments. Check BILL's pricing page for current rates.
- Good fit when
- You're a small or mid-sized business that wants AP and AR in one simple tool tied to your accounting software.
- Considerations
- Per-user pricing adds up as more people need access. Confirm collections and cash application depth for complex B2B receivables.
Source: BILL pricing
Gaviti
Gaviti is an AI-powered invoice-to-cash platform for mid-market and enterprise B2B companies. It's sold as modules, so teams can start with collections and add cash application, credit, or dispute management later.
- Key capabilities
- Collections automation and reminders, AI cash application with deduction management, credit checks and ongoing risk assessment, dispute management, and a payer portal.
- Payments
- Customers can pay by ACH or card through the payer portal.
- Pricing
- Quote-based, depending on the modules you choose.
- Good fit when
- You want to automate collections and cash application without changing your ERP.
- Considerations
- Modular pricing means total cost depends on which modules you add.
Source: Gaviti
AR Software Comparison
| Capability | Quick Receivable | Invoiced | HighRadius | BILL | Gaviti |
|---|---|---|---|---|---|
| Salesforce-native | Yes | No (integrates) | No | No | No |
| Collections automation | Yes | Yes | Yes | Reminders | Yes |
| Cash application | Yes | Confirm with vendor | Yes | Confirm with vendor | Yes |
| Dispute / deduction management | Yes | Confirm with vendor | Yes | Confirm with vendor | Yes |
| Credit management | Credit scoring | Confirm with vendor | Yes | No | Yes |
| Customer payment portal | No | Yes | Yes | Yes | Yes |
| Multi-currency | No | Confirm with vendor | Yes | Confirm with vendor | Confirm with vendor |
| Pricing model | Published: per user | Quote-based | Quote-based | Published per-user plans + fees | Quote-based, modular |
Example AR use case
An equipment rental company has thousands of open customer invoices, frequent billing disputes, and payments that arrive without clear remittance details. It needs automated reminders, collector prioritization, dispute routing, and cash application. A collections-focused AR platform fits better than a simple invoicing tool.
AP and AR Tools vs Accounting Software
Some products on this list automate one process. Others are full accounting systems. Knowing which category you need prevents paying for features you won't use.
| Requirement | Dedicated AP or AR tool | Accounting platform | Enterprise finance / procurement suite |
|---|---|---|---|
| Automates one process deeply | Yes | Partly | Partly |
| Keeps your current ERP | Yes | Usually replaces it | Often extends it |
| General ledger | No | Yes | Varies |
| Procurement and purchasing | No | Limited | Yes |
| Implementation scope | Smallest | Accounting-wide | Organization-wide |
| Examples here | Quick Payable, Quick Receivable, Gaviti, MineralTree | Sage Intacct | Coupa, HighRadius |
What to Look for in AP and AR Software
Use these criteria as your demo checklist. Ask each vendor to show the feature with your own data, not a sample file.
AP criteria
Invoice capture
Email intake, upload, supplier portal, and OCR accuracy on your real invoice formats.
Matching and exceptions
Two-way and three-way matching, non-PO invoices, duplicate detection, and how exceptions are routed.
Approval workflows
Routing by amount, department, or vendor, plus escalation and delegation when approvers are out.
Payment execution
ACH, check, virtual card, and international payments, or status tracking only.
AR criteria
Collections automation
Dunning sequences, collector prioritization, promise-to-pay tracking, and task management.
Cash application
Matching payments to invoices from remittances, lockbox files, and short payments.
Disputes and deductions
Capturing, categorizing, routing, and resolving disputes without losing them in email.
Credit management
Credit applications, scoring, limits, and ongoing customer risk monitoring.
Criteria for both
- Integrations: which ERP, CRM, and accounting systems are supported, what syncs, and in which direction
- Reporting: AP and AR aging, DSO, approval cycle time, and other accounts payable metrics
- Security and controls: role-based access, audit logs, approval history, segregation of duties, payment controls, and verified security certifications
- Multi-entity and multi-currency: required if you run several companies or bill and pay in other currencies
- Mobile access: approvals and status checks from a phone
Total Cost and Implementation
A low monthly price can still mean a high total cost once payments, users, and setup are added. Build a first-year estimate from these items:
| Cost item | What to ask |
|---|---|
| Licenses | Per user, per company, per module, or flat platform fee? |
| Transaction fees | Per invoice, per payment, or a percentage of payments collected? |
| Payment fees | ACH, card, check, and international payment costs |
| Implementation | Fixed fee, time-based, or partner-led? |
| Integrations | Included connectors, or middleware and custom work? |
| Migration and training | Who moves vendor, customer, and open invoice data? |
| Support and add-ons | Is premium support or AI functionality priced separately? |
To estimate what your current manual process costs, try the AP cost calculator.
What implementation involves
Most AP and AR projects follow the same steps: review your current process, clean up vendor or customer data, connect your ERP or accounting system, configure workflows and user permissions, test with real invoices and payments, train users, go live, and review results after the first month. Projects that touch only AP or only AR are usually faster than accounting or procurement rollouts. Quick Payable's implementation guide shows what this looks like for an AP-only setup.
Which Type of AP and AR Software Do You Need?
Your main problem is paying vendors
You need invoice capture, matching, approvals, and vendor payments.
Your main problem is getting paid
You need collections, reminders, dispute handling, and cash application.
Your accounting system is the problem
You need GL, AP, AR, billing, reconciliation, and reporting together.
You need control over all spend
You need procurement, supplier management, and AP at large scale.
Many companies end up with one AP tool and one AR tool rather than a single product for both, because the best collections features and the best payables features rarely come from the same vendor.
Final Takeaway
The right AP or AR software depends on four things: your existing finance systems, how complex your workflows are, your transaction volume, and which capabilities you actually need. Start with the category, then shortlist two or three products and test them with your own invoices and payments.
Quick Payable and Quick Receivable are options for organizations that want to automate AP or AR inside Salesforce. If Salesforce is already central to your operations, you can explore either product or estimate your potential savings based on your current invoice volume.
See Quick Payable With Your Own Invoices
Book a short demo and bring a few real vendor invoices and your approval policy. Try it free for 15 days, no credit card required.
Frequently Asked Questions
What is the difference between AP and AR software?
AP software manages vendor invoices, approvals, and payments going out. AR software manages customer invoices, collections, and payments coming in. Some products cover both, but most specialize in one.
Do I need separate AP and AR software?
Not always. Accounting platforms and small-business tools often include both. Companies with high volumes or complex collections often choose a dedicated tool for each, because specialized products tend to go deeper on their own process.
How much does AP and AR software cost?
Published starting prices range from about $99 per month for some platforms to $100 or more per user per month, and many vendors only offer quotes. Total cost also includes transaction fees, payment fees, implementation, and integrations.
Can AP and AR software integrate with ERP systems?
Yes, most tools integrate with common ERP and accounting systems such as NetSuite, Sage Intacct, and QuickBooks. Supported systems and sync depth vary, so ask each vendor what data moves in each direction.
Can AP and AR software handle multiple currencies and entities?
Many tools can, but not all. Global payables platforms and accounting systems usually support multiple currencies and entities, while some focused tools do not. Confirm this early if you operate in more than one country or company.
Does AP and AR software support mobile access?
Most modern tools offer a mobile app or mobile-friendly web access for approving invoices, checking payment status, or reviewing collections. Salesforce-native apps can also be used through the Salesforce mobile app.
Is Quick Payable only for Salesforce users?
Quick Payable runs on Salesforce. Companies that already use Salesforce pay $100 per user per month. Companies without Salesforce can buy a plan that includes the required Salesforce subscription, starting at $250 per user per month.
Does Quick Payable help with data migration?
Yes. Data migration, such as vendor records and open invoices, can be included in the implementation scope. The one-time implementation fee ranges from $0 to $10,000 depending on complexity.
What should I compare before choosing AP and AR software?
Compare product scope, invoice capture, matching, approvals, payment execution, collections, cash application, integrations, reporting, security controls, multi-entity support, total cost, and implementation effort.
How do I contact the Quick Payable team?
You can book a demo or send a message through the Contact Us page on the Quick Payable website, or email info@quickpayable.com. Existing customers can also reach the support team directly.
Sources and Product Verification
Product details on this page were checked against these sources in October 2026. Pricing and features change, so confirm with each vendor before buying.
Shyam Agarwal is a technology professional with 12+ years of experience in Salesforce consulting, development, and administration. He writes about accounts payable, AP automation, and Salesforce, drawing on his experience delivering scalable technology solutions that support business needs and improve operational efficiency.