Accounts Payable (AP) automation has become a strategic priority for finance teams aiming to boost efficiency, control, and cash flow. Modern CFOs and controllers recognize that manual invoice processing and payment workflows are not only time-consuming but also costly and error-prone. In fact, enterprises with sophisticated AP automation achieve 82% lower processing costs compared to those with basic solutions. MineralTree has long been a notable player in AP automation – founded in 2010 as a centralized invoice-to-pay platform and later acquired by Global Payments for $500M – helping many businesses streamline vendor payments.
However, today’s finance leaders are exploring MineralTree alternatives that better align with their specific needs. MineralTree’s per-invoice pricing model (with tiers for summary vs. line-item data capture) can be attractive for low-volume AP departments, but as invoice volumes grow this model becomes costly. Additionally, MineralTree’s end-to-end suite has some limitations that prompt teams to look elsewhere: for example, it requires using MineralTree’s built-in payment workflow (limiting choice of provider) and may necessitate adjustments to your ERP/accounting processes. While MineralTree offers a capable AP solution, it focuses mainly on invoice capture, approvals, and payments – lacking broader financial management tools like accounts receivable automation or cash forecasting. This is crucial, because AP automation in 2025 isn’t one-size-fits-all. A small business on QuickBooks has very different requirements from a global enterprise or a mid-market firm trying to manage cash across AR and AP.
In this listicle, we’ll break down the top alternatives to MineralTree and help you find the right fit. We start with our analysis of the #1 MineralTree alternative, Centime, followed by other leading platforms each excelling in different areas. Whether your priority is tighter collaboration on AP, handling international vendor payments, scaling to enterprise volumes, integrating with QuickBooks, or simply a lightweight tool for a small team – there’s a solution tailored to your needs. Let’s dive in.
Centime stands out as the premier alternative to MineralTree, offering a more comprehensive approach to finance automation. Unlike point solutions that focus solely on AP, Centime provides a full “Office of the CFO” platform spanning AP, AR, cash flow forecasting, and even integrated banking. This breadth is a game-changer for mid-market companies that have outgrown MineralTree’s narrower scope. Below, we highlight key reasons Centime is our #1 pick:
In short, Centime addresses many of the pain points that drive companies to look beyond MineralTree: deeper ERP connectivity, truly autonomous AP processing, integration of AR and cash management, multi-entity scalability, and a novel way to earn interest on AP. It’s a modern solution built for finance teams that have outgrown basic payables automation and need a more comprehensive finance platform. For these reasons, we rank Centime as the top MineralTree alternative in 2025 for mid-sized organizations.
Every AP platform has its sweet spot. Here’s how some top MineralTree alternatives stack up depending on your business’s priorities:
Best Overall AP + Finance Platform:
Centime – For businesses seeking more than just AP automation, Centime delivers. It combines smart invoice capture, multi-line coding, and approval workflows with embedded cash flow forecasting, spend control, and even AR automation—all in one platform. Centime integrates deeply with ERPs like NetSuite and Sage Intacct and uniquely turns AP into a profit center through its high-yield account offering. Ideal for mid-market companies that want AP to work hand-in-hand with cash management and broader finance needs.
Best for AP Collaboration:
Stampli – Built for teams with heavy invoice back-and-forth. Stampli centralizes discussions directly on the invoice, allowing AP staff, approvers, and even vendors to communicate in context. It’s especially effective in organizations where delays come from chasing approvals or clarifying line items. For fast, visible AP collaboration, Stampli is a clear fit.
Best for Global Payments & Compliance:
Tipalti – If your business pays vendors internationally, Tipalti stands out. It supports payments in 196 countries and 120+ currencies, while also handling W-8/W-9 forms, VAT, and FATCA compliance. Multinational firms or those with cross-border contractors will appreciate Tipalti’s depth in global AP automation and tax workflows.
Best for Enterprise or Industry-Specific Needs:
AvidXchange – Geared toward mid-size and large organizations, especially in real estate, construction, HOAs, and healthcare. AvidXchange offers tailored workflows, deep invoice and payment functionality, and strong support. Companies with complex approval chains or high invoice volume may find AvidXchange’s maturity and scale especially valuable.
Best for Small Teams:
BILL – A long-time favorite for small businesses. BILL’s two-way sync with accounting systems, user-friendly interface, and core AP features make it a convenient choice for companies looking to automate without overhauling systems. It’s best for lower complexity AP environments.
Best Lightweight Option for Small Businesses:
Melio – If you just need a simple tool to pay bills without subscriptions, Melio is hard to beat. Free ACH payments, basic QuickBooks sync, and a minimal interface make it great for lean teams. However, it lacks OCR, approval automation, or advanced workflows—so it’s better suited to smaller companies with simple AP needs.
(Our top-recommended MineralTree alternative)
Centime isn’t just an AP automation tool—it’s a unified finance platform built for the Office of the CFO. By combining accounts payable, accounts receivable, cash flow forecasting, and treasury tools (including a 3.0% APY†† checking account), Centime gives mid-market businesses complete control over their cash lifecycle. It’s deeply embedded with leading ERPs and designed to scale with growing finance teams.
Centime’s biggest advantage is consolidation. Instead of stitching together multiple tools for AP, AR, and cash forecasting, finance leaders can manage everything in one system. The platform is praised for being intuitive, fast to implement (often within 2–3 weeks), and deeply integrated with ERP systems. Mid-market companies also benefit from flexible automation, robust permissions, and strong customer support. The 3.0% APY†† business checking account turns AP into a strategic lever—offsetting automation costs and increasing ROI.
Centime is optimized for U.S.-based operations and does not currently support international vendor payments. Its ERP integrations are limited to NetSuite, Sage Intacct, and QuickBooks—companies outside that ecosystem may not get the full benefit. Smaller businesses with very basic AP needs may also find the platform more robust than necessary.
Mid-market companies ($10M–$250M revenue) that want a modern, centralized finance platform. Ideal for finance leaders using NetSuite, Intacct, or QuickBooks who are ready to consolidate AP, AR, and cash forecasting into one system. Especially valuable for businesses with moderate-to-high invoice volumes, multi-entity structures, and a focus on cash visibility and working capital optimization.
Centime uses a modular, usage-based pricing model. There are no per-invoice fees; instead, pricing flexes based on modules selected and business complexity. For example, a company might start with AP automation and later add AR and cash tools. The 3.0% APY†† on payment funds helps offset software costs, and clients report favorable ROI compared to using multiple separate tools. A tailored quote is provided after a short consultation.
Centime goes far beyond MineralTree’s AP-focused capabilities by offering an all-in-one finance platform that includes AR automation, cash flow forecasting, and embedded banking—alongside advanced AP tools. While MineralTree helps automate invoice-to-pay, Centime helps you manage your entire cash lifecycle. You’ll not only streamline AP, but also accelerate receivables, gain real-time cash visibility, and even earn interest on your AP funds—effectively turning AP into a profit center. For finance leaders looking to consolidate tools, increase ROI, and operate more strategically, Centime is the clear next step beyond MineralTree.
Ready to see how Centime compares to MineralTree for your specific needs? Request a personalized demo to explore how an integrated AP/AR and cash management platform can transform your finance operations.
Stampli is a well-known AP automation solution that puts a strong emphasis on internal collaboration. Instead of focusing on broader finance functions like AR or forecasting, Stampli specializes in invoice-to-pay workflows. Its intuitive interface and conversation-based invoice management make it a popular choice for teams dealing with high volumes of approvals and stakeholder communication.
Stampli’s collaborative design makes it easy for approvers and non-finance stakeholders to participate in the AP process. Its “Billy the Bot” AI assistant helps reduce manual GL coding, and its flexible ERP integrations support a wide range of accounting systems. Businesses appreciate that Stampli doesn’t charge extra for additional users, making it scalable for teams with distributed workflows or frequent approvers. The platform is also quick to implement and doesn’t require changes to your existing ERP setup.
Stampli is an AP-first platform—it doesn’t offer native AR, cash forecasting, or treasury capabilities. Teams looking for an all-in-one financial operations solution may need to combine Stampli with additional tools. Its invoice capture works well overall, but like most OCR systems, low-quality scans may still require manual review. Pricing is quote-based and can be perceived as premium, especially for companies with lower invoice volumes or simpler needs.
Stampli is a strong fit for mid-sized companies or accounting teams that want a focused AP tool without broader finance automation. It’s particularly useful for teams that need to streamline invoice collaboration across multiple departments—like operations, procurement, or project managers—who may not be regular finance users. Organizations with a high volume of invoice exceptions, or who manage AP through heavy back-and-forth communication, will benefit from Stampli’s built-in chat and user-friendly interface.
Stampli uses a subscription pricing model based on factors like invoice volume, number of entities, and selected modules. It does not charge per user or per invoice, which is a plus for growing teams. While no public pricing is available, Stampli is generally viewed as a higher-tier solution that competes on user experience and time savings. Companies considering Stampli should expect to request a custom quote and evaluate ROI based on efficiency improvements.
Stampli is ideal if your team needs tighter collaboration on invoice approvals. Its built-in chat, unlimited users, and user-friendly design make it easy for non-finance stakeholders to engage—without cluttering their inboxes. Unlike MineralTree, Stampli is highly customizable and doesn’t require you to switch payment methods or banking relationships. It's also a faster lift if you want a focused AP tool without committing to broader finance automation.
Tipalti is a robust AP automation platform best known for handling international vendor payments. While it doesn’t offer AR or forecasting functionality, Tipalti stands out for organizations managing cross-border payments and supplier compliance at high volume. Its ability to centralize tax, payment, and onboarding workflows makes it especially appealing to global finance teams.
Tipalti is a go-to solution for finance teams that manage a high volume of international vendors. It consolidates AP and global payment workflows into one system, helping teams reduce errors, avoid compliance issues, and eliminate the need for multiple banking portals. Teams using ERPs like NetSuite often favor Tipalti for its native integration and international reach.
Tipalti’s strength in global AP comes with trade-offs. It doesn’t offer AR automation or cash forecasting, and its implementation can take longer due to the complexity of setting up cross-border workflows. Pricing is modular and can add up quickly depending on your feature needs and transaction volume. Its user interface also skews more functional than modern, which may require more training for non-finance users.
Tipalti is ideal for mid-sized or larger companies that need to manage complex global payables. It’s commonly used by international SaaS companies, marketplaces, and affiliate networks with a large volume of overseas suppliers. For domestic businesses or those seeking all-in-one finance automation, Tipalti may offer more than necessary—especially if global payments aren’t a core pain point.
Tipalti uses a quote-based pricing model that includes a base platform fee and additional costs per module and payment type. While there are entry-level plans for smaller firms, most implementations fall into higher-tier pricing depending on use case. Because Tipalti replaces other tools like wire services and compliance solutions, teams with complex payables often find the ROI worthwhile—but simpler use cases may want to evaluate more streamlined options.
If you're managing international vendors or high-volume payouts, Tipalti offers a more comprehensive global payments infrastructure than MineralTree. It combines tax compliance, supplier onboarding, and multi-currency payouts in one platform. While MineralTree focuses on invoice-to-pay for U.S. businesses, Tipalti is built for scaling global operations with built-in controls and compliance.
AvidXchange is a long-standing AP automation provider with deep experience serving mid-sized businesses. It offers a full invoice-to-pay solution and is especially well-regarded in industries like real estate, construction, and community management. AvidXchange stands out for companies looking to offload manual invoice capture and payment processing to a reliable partner.
AvidXchange is particularly strong for organizations that deal with high invoice volume and industry-specific workflows. Its deep payment capabilities—especially check and virtual card handling—can help AP teams go fully paperless. For real estate, construction, or HOA managers, AvidXchange’s tools are tailored to the way those teams work, including job cost tracking and multi-property support. Its strong security controls and audit readiness also appeal to finance teams in regulated industries.
AvidXchange is AP-focused and doesn’t offer AR, forecasting, or treasury modules. Its UI is a bit dated compared to newer platforms, and implementation can be more involved due to its breadth and integrations. Pricing can include per-invoice or transaction fees, and some users report a longer time to ROI, especially if invoice volumes are modest. Smaller companies or digital-first teams may find the platform more complex than necessary.
AvidXchange is a good fit for mid-market and larger organizations (typically $50M+ in revenue) with high AP volume and industry-specific needs—especially in real estate, construction, education, and financial services. It’s ideal for teams looking to outsource payment execution and gain stronger controls over approvals and audits. Companies still dealing with paper checks, manual invoice entry, or decentralized approval processes can benefit from AvidXchange’s full-service model. Conversely, if your business doesn’t require those layers of control—or if you’re looking for broader financial automation—other platforms may be a better fit.
AvidXchange uses a custom pricing model, often based on invoice volume and payment activity. Expect implementation fees, platform subscriptions, and possible per-invoice or per-payment charges. Costs can rise if you require line-item capture or want to enable multiple entities. Some clients offset fees through virtual card rebates, but overall, AvidXchange is positioned as a premium solution. Teams considering AvidXchange should request detailed pricing and confirm what’s included—especially around payment types, users, and support levels.
AvidXchange is a strong alternative for companies in construction, real estate, or HOA management where industry-specific workflows matter. Its deep vertical modules and large supplier network differentiate it from MineralTree, which is more horizontal in approach. If you’re still dealing with paper checks or decentralized approvals, AvidXchange may help you offload more of the manual work.
BILL (formerly Bill.com) is one of the most widely used tools for automating AP and AR in small to midsize businesses. Its user-friendly interface and QuickBooks-native integrations make it a go-to choice for companies looking to move off paper-based processes and digitize financial workflows quickly.
BILL is a favorite among small businesses thanks to its simplicity, fast setup, and affordability at low volumes. It’s especially valuable for QuickBooks users, where the real-time sync saves significant manual entry. For companies managing both payables and receivables, BILL’s all-in-one setup can streamline basic workflows in a single system. Its virtual card program and vendor network also help ease payments, and outsourced accounting firms often use BILL as their AP platform of choice.
BILL is best for straightforward needs. It doesn’t offer advanced features like 3-way PO matching or true multi-entity automation, and its OCR lacks self-learning AI. Mid-market companies often outgrow it when they need deeper reporting, forecasting, or high-volume efficiency. Transaction-based pricing can add up as usage scales, and while BILL acquired tools like Divvy, those are still separate platforms today—resulting in a fragmented experience for some. Support is limited on lower-tier plans.
BILL is ideal for small to lower-mid-sized businesses (typically $1M–$50M revenue) looking to digitize AP and AR without heavy implementation. It’s a strong fit for companies using QuickBooks or Xero and processing a manageable number of bills each month. Startups, nonprofits, and professional services firms often find BILL to be a logical first step in AP automation. Companies with complex entity structures, deep ERP needs, or a desire to centralize AR, AP, and forecasting in one platform may need a more advanced solution.
BILL uses a tiered pricing model, starting around $45–$55 per user/month for basic AP or AR. Mid-tier plans like Corporate are around $79/user/month and include both AP and AR features. Enterprise pricing is customized. Transaction fees apply—$0.49 for ACH, $1.69 per mailed check, and other charges for card payments or international wires. While low at smaller volumes, costs can grow significantly with scale. BILL is one of the most affordable ways to get started with AP automation, but budgeting for total usage is key.
BILL is a better fit for small to mid-sized businesses that want to digitize AP and AR with minimal complexity. Its fast setup, QuickBooks-native sync, and lower price point make it easier to adopt than MineralTree for companies without IT resources. While it lacks advanced features, it’s often the right choice for teams prioritizing speed, cost, and simplicity.
Melio is a simple bill payment solution designed for small businesses that want to move money digitally without adopting a full AP automation platform. It’s best known for letting users send ACH payments for free—or pay by credit card, even if the vendor doesn’t accept cards.
Melio’s biggest appeal is its simplicity and cost—there’s no subscription required for most users. It’s an easy way for small businesses to digitize bill pay and get out of spreadsheets or checkbooks. Setup is fast, the interface is intuitive, and the QuickBooks integration works well. For very small teams, it offers a convenient way to hold onto cash longer or earn card rewards by paying with credit. Features like W-9 collection and international payments add surprising depth for a free tool.
Melio doesn’t offer invoice OCR, auto-coding, or multi-entity functionality. Approval workflows are basic, reporting is minimal, and audit features are limited. As of 2024, Melio introduced some paid plans for premium features like faster payments and advanced user roles. While still affordable, it’s no longer fully free if you need those extras. And with no native ERP integrations or automation, it isn’t built for businesses with high volume or complex processes.
Melio is best for small businesses and solopreneurs—especially those using QuickBooks and processing a low number of monthly invoices. If you’re a retail shop, nonprofit, or services firm that just wants a fast, easy way to pay vendors and avoid checks, Melio is ideal. It’s also a good fit for teams that don’t have a dedicated AP person. However, companies with growing AP complexity or teams needing visibility, automation, or audit controls will quickly outgrow it.
Melio’s core “Go” plan is free: ACH payments, vendor setup, and basic features have no monthly fee. Users pay ~3% to use a credit card and additional fees for expedited transfers or premium features. New paid plans start around $10–$20/month and unlock more advanced workflows. For small teams sticking to standard ACH and basic needs, Melio remains one of the most affordable AP tools on the market.
Melio is perfect for small businesses that just want to pay bills online without committing to full AP automation. Its free ACH payments and no-subscription model make it dramatically cheaper than MineralTree. If you're not dealing with high volumes or complex workflows, Melio gives you a modern interface and QuickBooks sync for $0/month—something MineralTree can’t match.
Quadient AP, formerly Beanworks, is best known for its strong front-end invoice capture, combining OCR and human verification for highly accurate data entry. It’s designed for mid-market companies that want to reduce AP workloads without overhauling their existing ERP or adding unnecessary modules.
Quadient AP’s value lies in automation and accuracy. The platform virtually eliminates manual invoice entry—great for teams processing high volumes or handling invoices with complex formats. SmartCoding reduces the time needed for coding and approval, and the UI is easy for both AP teams and approvers to navigate. It’s also flexible: customers can use existing banking processes for payments or opt into Quadient’s payment partners. Multi-entity and legacy ERP support make it especially attractive to organizations with more traditional accounting stacks.
While strong in invoice processing, Quadient AP isn’t a complete AP+payments suite. Payment automation is available but not a core strength, and AR capabilities are nonexistent. The UI, while functional, may feel dated compared to newer platforms. Deeper reporting and analytics are limited, and implementation can take some IT involvement, especially with on-premise ERPs. Some sync issues and pricing based on invoice volume may also be considerations.
Quadient AP is a fit for mid-sized organizations with established accounting systems and high invoice volume. It’s especially useful for businesses needing accurate invoice data capture, multi-entity workflows, or those running legacy systems like Sage 100 or Dynamics GP. It’s less suited for companies that need end-to-end automation, deep analytics, or modern UI. For finance teams that value accuracy and auditability over flashiness, Beanworks delivers.
Pricing is customized and typically volume-based, often charging per invoice or in bundled tiers. Add-ons like PO matching or payment modules may incur additional fees. While not the cheapest, it’s often more affordable than large enterprise options. Most mid-market users justify the cost with time saved on data entry and audit prep. As with other tools, be sure to confirm what’s included in your quote—especially if you plan to integrate payments.
Quadient AP (Beanworks) offers best-in-class invoice data capture with a blend of OCR and human verification—ideal if you’re spending too much time correcting MineralTree’s data extraction. It’s also more flexible when it comes to working with legacy ERPs and multi-entity structures. If your pain point is invoice accuracy and compliance, Quadient delivers deeper automation where MineralTree may fall short.
Choosing the right accounts payable automation solution is a crucial decision for finance teams – the goal is not just to digitize AP, but to improve the overall efficiency and financial insight of the organization. MineralTree has been a solid AP tool for many businesses, but as we’ve seen, there are now alternative platforms that cater to specific needs and address modern finance challenges more holistically. When evaluating MineralTree alternatives, it’s important to consider your company’s unique use case:
By identifying your primary needs – be it collaboration, international operations, scale, ecosystem integration, or budget – you can narrow down the field to the solution that aligns best.
All the platforms we profiled have their strengths and limitations, and the “best” alternative ultimately depends on what success looks like for your AP process. For instance, if success is measured by total automation and strategic cash optimization, Centime’s comprehensive approach positions it as a leader built for the mid-market Office of the CFO. Centime uniquely combines the tactical wins (automation, time savings) with strategic wins (cash flow forecasting, interest income on AP funds), which is a compelling proposition for growing companies looking to modernize finance. That said, if your focus is narrower – say you just need global payments – one of the other specialized tools may be your ideal match.
In 2025 and beyond, finance teams are increasingly expected to do more with less: process more transactions with fewer errors, manage cash more proactively, and provide insights in real time. The right AP automation solution can be a force-multiplier toward those goals. We encourage you to take advantage of free trials, demos, and pilot programs where available, and involve both your accounting staff and approvers in the evaluation. Consider how each alternative integrates with your existing tech stack (ERP, accounting software, expense systems), and weigh not just the software cost but the potential efficiency gains or even new revenue (as in Centime’s APY example) it can bring.
By investing in a platform that fits your use case, you set up your accounts payable function – and by extension, your entire finance operation – for long-term success. Whether it’s achieving near zero-touch invoice processing, eliminating late payments and harnessing early-pay discounts, or unlocking a real-time view of your cash position, the benefits of the right AP solution will be felt across the organization.
In summary, moving beyond MineralTree to a modern AP automation solution can drive significant improvements in productivity, visibility, and even profitability. We’ve highlighted the top alternatives that outperform in various areas. The next step is yours: assess your needs, explore these options, and choose the AP platform that will empower your finance team’s next level of growth. With options like those above – especially an all-in-one platform like Centime for mid-market CFOs – you can transform AP from a back-office utility into a forward-looking strategic advantage for your business.
Ready to explore how a modern finance platform could transform your operations? Book a personalized consultation to discuss your specific needs and find your ideal solution.
Many finance teams have realized that their needs go beyond invoice processing—they require a fully integrated platform that connects AP, AR, cash flow forecasting, and banking.
Centime sprouted from roots planted by MineralTree. But we’re growing way beyond basic AP automation.
Let’s call it what it is: AP-ish.Because if your AP automation stops short of payments, you’re not automating AP. You’re automating paperwork.