Best B2B Payment Platforms for Startups

Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.

BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.

Free domestic business payments anywhere in the United States combined with Veem’s award-winning, secure, efficient, and affordable global payments network. A smarter online and fee-free option to send, receive, and reconcile business payments within the United States. Veem provides broad access to online global payment tools and pricing. Send, spend, hold and invoice money in over 110 countries around the world. Send, receive and track multiple payments domestically or internationally through Veem’s accounting integrations and save your client’s money. Start closing your books faster. Veem integrates seamlessly with your preferred accounting software. We believe businesses of every size should have access to fair foreign exchange rates and enterprise-level service. Veem ensures all businesses have broad access to the financial tools and pricing previously reserved for major players.

Dots is a global payouts platform for companies that pay large numbers of contractors, creators, sellers, gig workers, data annotators, and other non-employees. Businesses can send individual or batch payouts from a dashboard, upload a CSV, share a payout link, or automate payments through an API. Dots reaches 190+ countries through 300+ payment rails, including bank transfers, real-time payment networks, digital wallets, mobile money, cards, gift cards, and stablecoins where available. The platform collects payee details, verifies identity, runs KYC and sanctions checks, manages payout preferences, and tracks payment status. It also collects W-9 and W-8BEN forms, supports 1099 filing, provides branded onboarding, and handles payee support. Teams can monitor payouts, returns, fees, and reconciliation in one place. Its ledger supports payment splits, holds, reserves, and clawbacks for complex payout workflows. Dots is SOC 2 Type II compliant and has moved $2bn+ to 1m+ payees.

Nickel is an all-in-one accounts payable and accounts receivable platform that helps B2B businesses grow their cashflow. Get paid faster with branded payment links and portals — customers pay by card, ACH, or check, and never need an account. Pay any vendor, contractor, or individual by ACH, card, wire, or mailed check using just their email, with custom approval workflows. Keep more of every dollar with free unlimited ACH, no monthly fee, no chargeback fees, and 2.9% flat-rate card processing you can pass to the payer. Native QuickBooks sync matches every payment to your books one-to-one, and idle cash earns 2% APY with Nickel Balance. We only succeed when you succeed, which is why we do the one thing our peers won't: publish exactly how we make money on every product. More than 25,000 B2B businesses, and the accountants who serve them, run their cashflow on Nickel. Get started free in five minutes — no credit card required.