Best B2B Payment Platforms for Cloud

Traild Pay is automated payment software that connects to your ERP or accounting system to pay suppliers across EFT/ACH, cheque, wire, virtual card, FX and SWIFT from one place. As a single payment automation platform, it turns approved invoices into one-click payments, so AP teams stop cutting cheques and keying remittances by hand. Built for B2B and invoice payment automation, Traild Pay pairs accounts payable payment automation with always-on AI that scans every batch for anomalies, verifies supplier details and flags risk before money moves. Pay global suppliers in 60+ currencies across 150+ countries at market-leading FX rates. Unlike flat-file payment automation solutions, Traild Pay connects directly to your ERP, closing the security gaps that expose businesses to fraud. One platform for AP and payment automation, from invoice to execution.

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.

AvidXchange modernizes how middle market businesses manage expenses and payments with AI-enhanced software and support from real people. With 25 years of experience, our solutions automate manual tasks, reduce costs, and streamline your AP process, so you can focus on what matters most. Featuring one of the largest supplier networks in the middle market, AvidXchange offers in-depth industry expertise across real estate, community association management, healthcare, hospitality, education, hospitality, and nonprofits, as well as construction, financial services, and media through the acquisition of Core Associates, BankTEL, and FastPay. Why AvidXchange? - Trusted by 8,000+ businesses to digitize and automate AP workflows - 1.2 million suppliers paid through the AvidPay Network in the last five years - 240+ accounting system and ERP integrations Increase efficiency, visibility, and control in your AP process. Learn more at avidxchange.com

Zil Money offers the Payroll by Credit Card feature to pay your employees on time and earn cash back rewards. Also write-off payroll funding by credit card fees as a business expense. This is a great solution to improve cash flow and keep your employees happy. The platform provides payment methods like ACH, wire, eChecks, printable checks, international payments, virtual cards, and more for flexible fund transfer. You can also customize and print checks instantly on blank stock papers using a regular printer at your office or home. Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.

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.

Plooto is a payment automation platform built for accounting firms and small to mid-sized businesses that need to manage money moving in and out. It brings accounts payable, accounts receivable, approval workflows, payment tracking, and accounting software synchronization into one platform. Businesses can use Plooto to automate bill payments, collect customer payments, reduce manual data entry, and improve visibility into cash flow. The platform supports payment options such as EFT, ACH, credit cards, foreign exchange, and international payments. Plooto also offers custom approval chains, real-time payment status tracking, client dashboards, and two-way syncing with accounting software. With AP automation, AR automation, payment controls, and reconciliation support, Plooto helps finance teams and accountants simplify payment operations.

At Circulus, we provide Product and Service Offerings designed to Optimize, Augment, and Automate AP Processes. Circulus has developed Cloud-Based and Robust End-to-End AP Solution for companies of all sizes and complexities. Circulus empowers AP Teams with: • Complete Visibility Through Real-Time Data Retrieval, Dashboards, Task Notifications & Reports • Tight Control Through Timestamped Audit trails & Role-Based Access • Easy Accessibility Through Digitized Invoices, Cloud-Based Portal, Bill Status Search & Accounts Payable Mobile App • Smooth Coordination Through Automated Workflows & Centralized Processing • Flexibility Through Multiple Payment Methods, Scalability, Configurable Workflows & Business Rules • Speed & Accuracy Through Intelligent Data Extraction & 99% Data Accuracy Guaranteed from Day 1

Corpay Complete is an all-in-one spend management platform designed to simplify and automate your entire procure-to-pay process. The system streamlines payments by consolidating checks, ACH, and virtual card payments through a single ERP file, while also offering AI-powered invoice automation for data extraction and matching. It supports customizable purchase order workflows and comprehensive card and expense management, including physical, virtual, and ghost cards. Vendor onboarding is simplified with a self-service portal, and the platform supports payments to over 200 countries. Real-time reporting and mobile approvals ensure your business keeps moving smoothly from anywhere. Corpay Complete integrates seamlessly with any ERP system to provide a unified hub for managing all non-payroll spend efficiently.

​Priority Commerce offers a unified commerce platform designed to streamline revenue and accelerate growth through its Priority Commerce Engine (PCE). It integrates multiple financial services, enabling businesses to collect, store, lend, and send money efficiently. With tools like MX Merchant, users can centralize billing, sales tracking, and customer engagement, facilitating same-day funding across all payment routes, including cards, ACH, and cash. Priority Commerce supports various fee-based solutions, allowing for customizable payment processing tailored to specific business needs. For developers and ISVs, Priority provides secure, feature-rich APIs that integrate seamlessly into applications, offering low-code or no-code solutions to expedite development.​ It automates banking operations, enhance financial transparency, and provides robust security measures to reduce fraud risks.

APRO Software Solutions, now part of PairSoft, offers comprehensive integration solutions designed to optimize financial operations for businesses using Oracle Financials Cloud and Oracle E-Business Suite. Their key offerings include a robust banking gateway supporting over 1,400 bank formats across 180 countries, enabling seamless supplier payments, direct debits, and bank reconciliations. Additionally, APRO provides automated invoice processing, outbound e-invoicing, and cloud data interfacing, helping businesses streamline financial workflows while ensuring compliance with global standards.

Reduce costs utilizing digital payments and Print+Mail allows you to cut down on AP resources. Improve customer experience, customers get paid faster and have their choice of deposit options. Optimize cash flow, the ability to send payments instantly lets you have tighter control of finances. Combining the speed and convenience of electronic payment with the experience of receiving a traditional paper check, print+mail will generate, print and mail your payments, on high-security check stock, the same day you create them within the Deluxe Payment Exchange (DPX) platform. Go 100% digital when you pay with eChecks. All you need is an email to send your payment and recipients are given options as to how they’d like to receive it. Sending checks just got easier with Deluxe Payment Exchange (DPX). Save time and money when it comes to sending and receiving payments. A true digital payment solution that sets your business up for success.