8 best ACH payment processing software providers for 2026

Data entry mistakes, duplicate payments, vendor disputes, these common invoicing issues drain valuable resources. They can also lead to strained supplier relationships and compliance headaches.

What if there’s a better way to handle your accounts payable? One that doesn’t involve manually copying bank details from PDFs or reconciling discrepancies only to discover a payment never reached a vendor?

This is where ACH payment processing software providers come in.

These solutions facilitate bank-to-bank transfers through the Automated Clearing House (ACH) network, offering a fast and secure way to pay vendors. They reduce the risk of errors associated with paper-based processes. However, choosing the right provider means understanding what each offers.

In this guide, we compare the best ACH payment providers, breaking down their key features and use cases to help you find the right solution.

These are:

1. Rillion – Secure, automated ACH payments at the click of a button
2. Tipalti – Scalable payment automation across global markets
3. Stampli – AP workflows that keep everyone in the loop
4. Coupa – Unified platform payments, invoicing, and expense management
5. SAP Concur – Complete payment tracking, from receipt to settlement
6. BILL – Best ACH payment processing for small businesses
7. Medius – Complete source-to-pay automation for global enterprises
8. Sage Intacct – Fast electronic checks and ACH payment processing
   

8 best ACH payment processing software providers

Here’s a look at the best ACH processing companies, including who they’re designed for and their standout features:

Here’s a full breakdown of the best ACH payment processing solutions, starting with our top pick.

1. Rillion – Secure, automated ACH payments at the click of a button

Rillion is an AI-powered AP payment automation platform that enables businesses to securely pay vendors at scale, while preventing fraud and reducing costs.

Rillion Pay supports ACH payments, eChecks, wire transfers, and even virtual cards that turn accounts payable into a new revenue stream. The result? Payments are processed faster with less manual effort. Its AI is able to keep payments accurate by identifying anomalies, reducing errors, and strengthening fraud controls throughout the payment workflow.

That’s not all. Rillion also functions as AP automation software that digitizes and automates each step of the AP process from invoice receipt to payment. It features invoice capture capabilities that can handle various formats, including paper, PDF, XML, and more.

Plus, automated three-way matching and reconciliation save your team the hassles of manually tracking down records and resolving discrepancies.

Key features in Rillion’s ACH payment processing software include:

• Automated vendor payments: Pay suppliers securely through virtual cards, ACH, or domestic and international bank transfers from one centralized platform. Reduce manual work and payment errors while gaining real-time visibility into payment status and cash flow.
• Virtual card payments with rebates: Generate rebates on every eligible transaction. Rillion Pay turns your accounts payable process into a revenue opportunity while minimizing fraud risk.
• Payment reconciliation: Automatically match payments to invoices for error-free reconciliation and accurate financial reporting. No more time-consuming manual checks or mismatched records.
• Payments as a Service: Rillion manages supplier onboarding, payment preferences, and exception handling for you, ensuring every vendor is paid the right way, every time.
• AI-powered invoice capture and coding: Rillion’s built-in AI reads invoice data across formats with around 90% accuracy, predicts general ledger codes, and learns from past behavior to get smarter over time.
• Approval workflows: Automate approval routing with customizable rules or AI-driven suggestions. Approvers receive reminders automatically, keeping approvals moving fast and on schedule.
• 3-way purchase order matching: Improve accuracy and compliance with automated 2- or 3-way PO matching, ensuring invoices are only paid when matched to approved POs and receipts.
• Multi-entity management: Manage payments and invoices across multiple entities or locations from one dashboard. Get a consolidated view of company-wide spend while keeping local control and flexibility.
• ERP integrations: Rillion connects seamlessly with 50+ leading ERPs, syncing invoices, approvals, and payments directly into your financial system for a fully automated AP-to-payment workflow.
• Riley, your AI Assistant: Ask questions about payments, suppliers, or invoice status and get instant answers without switching screens.

Rillion’s standout feature – Robust fraud detection

Payment fraud continues to be a serious threat. An estimated 79% of organizations have fallen victim to fraud attacks.

Rillion includes built-in fraud detection that flags irregularities for review before they become problems. It also has recovery controls to ensure payments go to verified accounts.

AI plays a key role behind the scenes by learning your typical invoice and payment patterns and flagging anything that appears unusual or high-risk, giving AP teams an early warning before fraud can occur.

Who is Rillion built for?

Rillion is built for mid-market companies that process a high volume of vendor payments, typically 24,000 invoices or more per year, and want to eliminate manual payment runs while gaining better control over cash flow.

It’s especially valuable for organizations with multiple entities or subsidiaries, where managing separate payment workflows often leads to errors, delays, and visibility gaps.

Rillion is trusted across industries like healthcare, manufacturing, and hospitality, where secure, on-time payments and accurate reconciliation are business-critical.

Rillion is for finance leaders who want to:

• Make payment runs faster without increasing finance team headcount.
• Replace checks with secure virtual card and ACH payments while earning rebates on every eligible transaction.
• Gain centralized visibility into all outgoing payments across entities.
• Reduce fraud risk and prevent payment errors with built-in compliance and audit trails.
• Eliminate manual reconciliation and double entry through seamless ERP integrations.
• Empower AP teams with intuitive, easy-to-use automation software that scales.
• Work with a trusted partner to implement AI across their finance processes, confidently and securely.

Read about how Technopolis used Rillion to streamline their AP processes and eliminate manual tasks.

2. Tipalti – Scalable payment automation across global markets

Tipalti is a finance automation solution designed to help businesses scale their accounts payable. It offers an automated ACH merchant processing that can execute payments to over 200 countries in 120 local currencies via methods like ACH, wire transfer, PayPal, and more.

Tipalti’s payment solution also features built-in risk protections to flag suspicious activities, automated workflows to reduce manual work, and a portal to streamline onboarding.

Key features in Tipalti‘s ACH payment processing software include:

• Built-in tax compliance: Supports W-8 and W-9 collection, 1099 reporting, and international tax requirements to reduce compliance risks.
• Multi-currency support: Processes payments in over 120 local currencies using over 50 payment methods including local bank transfers and global ACH.
• Financial controls: Allows you to configure workflows and establish role-based access to protect payments.

Tipalti’s standout feature – Self-service onboarding

Tipalti offers a branded payee portal that helps companies streamline vendor onboarding and strengthen relationships. Vendors can access the portal to track their payouts, choose their preferred payment method, and provide updates. It also monitors various data points to identify potential fraud in your network.

Who is Tipalti built for?

Tipalti is ideal for mid-sized to enterprise companies with high invoicing volumes to suppliers, contractors, or partners across multiple countries.

3. Stampli – AP workflows that keep everyone in the loop

Stampli provides businesses with the tools they need to make their procure-to-pay processes less painful. It sits on top of your ERP system to centralize invoice processing and automate approvals.

Stampli Direct Pay supports a range of payment options, including ACH, credit cards, and international wire transfers to pay vendors across over 100 countries. Configurable payment workflows reduce manual work and ensure invoices reach the right people.

Key features in Stampli‘s ACH payment processing software include:

• Vendor management: Lets businesses collect and manage vendor details in one place, including their preferred payment method.
• Audit trails: The platform maintains comprehensive audit trails to ensure transparency and compliance.
• ERP integrations: Integrates with popular ERP solutions, such as Sage, SAP, and QuickBooks to maintain a “single source of truth” for your data.

Many users note that Stampli is simple and easy to use when it comes to locating invoices 
and knowing when payments are due. However, one drawback is the mobile app which some users say has limited functionality compared to the desktop version.

Stampli’s standout feature – Collaborative layer

Stampli features in-app messaging capabilities that allows AP teams to collaborate and communicate directly with vendors. Each invoice becomes a “hub” where teams can view full conversation histories and avoid miscommunications. Everything is fully auditable for compliance.

Who is Stampli built for?

Stampli works well for small to mid-sized businesses that are outgrowing basic AP tools. With its in-app messaging features, It’s also ideal for companies with invoice approvals that involve multiple stakeholders across different departments.

4. Coupa – Unified platform for payments, invoicing, and expense management

Coupa offers a B2B payments product called Coupa Pay, which offers ACH credit card processing. It lets businesses manage spend and payments to their suppliers in one location. It supports ACH, digital checks, and digital wallets so vendors can receive payments in their preferred method.

The risk of fraud is always top of mind for many companies. Coupa’s ACH payment software features AI-powered fraud detection software that flags suspicious activities before they can lead to financial losses. Businesses can connect Coupa Pay to its invoicing solution to streamline their procure-to-pay processes.

Key features in Coupa‘s ACH payment processing software include:

• Virtual cards: Lets companies pay vendors faster and gain more control of their spend, while reducing the risks of physical cards.
• Supplier self-service portal: Provides a centralized location where companies can speed up supplier onboarding and vendors can send updates.
• Automated reconciliation: Connecting Coupa Pay to its invoicing solution provides businesses with automatic reconciliation.

Users find Coupa easy to use for managing invoicing and procurement. However, one user noted that global deployments were too complex, suggesting that setting up the solution may require more resources for companies with complex global operations.

Coupa’s standout feature – Risk monitoring

One feature that makes Coupa’s ACH payment service stand out is its risk monitoring capabilities. AI-powered tools like SpendGuard detect and flag risk across payments in real-time. The system also continuously monitors external data, so businesses can take proactive measures against high-risk suppliers and protect their supply chain.

Who is Coupa built for?

Coupa’s ACH merchant processing solution is ideal for mid-sized to enterprise organizations that already use or are considering its suite of spend management tools. Companies can use the platform to manage spend and payments to vendors in one place.

5. SAP Concur – Complete payment tracking, from receipt to settlement

SAP Concur is a cloud-based spend management platform that enables businesses to automate expense reporting and invoice processing. Invoice Payment Manager, its B2B payment product, removes the manual work associated with paying vendor invoices.

Companies can automate B2B payments directly within the platform, while maintaining full visibility and control over their payment workflows. They can also configure it to schedule batch payments and optimize cash flow timing. What’s more, Invoice Payment Manager supports virtual cards, electronic funds transfer (EFT), ACH, and even Single Euro Payments Area (SEPA) for payments to European countries.

Key features in SAP Concur‘s ACH payment processing software include:

• Virtual cards: Generate single-use virtual card numbers to make secure vendor payments and reduce the risk of fraud.
• Expense reimbursements: Automated workflows ensure employees are quickly reimbursed for business expenses.
• End-to-end payment system: Provides visibility into each step of the payment journey, so finance teams can keep payments on track.

Overall, SAP Concur has fairly positive reviews. Users like that the platform simplifies expense management and provides visibility into their spending. However, some users note that the platform isn’t as intuitive as modern software.

SAP Concur’s standout feature – Native integration with SAP 

Companies that already use SAP can add Invoice Payment Manager to enable ACH payment services. They can manage their entire spending lifecycle without having to maintain separate payment platforms.

Who is SAP Concur built for?

SAP Concur is a good fit for mid-sized to enterprise organizations, particularly those in SAP’s ecosystem. It’s also ideal for companies that need to manage their travel, expense, and invoice management processes in one place.

6. BILL – Best ACH payment processing for small businesses

BILL, formerly Bill.com, is one of the best ACH providers. It offers a financial operations platform that allows businesses to send invoices, manage expenses, and automate billing in one place.

With BILL, companies can streamline their accounts payable and speed up payments. It supports payment methods, such as ACH, virtual card, and international wire transfers, so you can meet your customers’ needs. An online payment portal lets you easily track which invoices have been paid and which ones are still pending.

Key features in BILL‘s ACH payment processing software include:

• Automated workflows: Customizable workflows and role-based permissions ensure approvals get to the right people.
• Integrations: Allows you to sync payments with your accounting software to reduce manual data entry and automate reconciliation.
• Mobile access: iOS and Android apps enable you to manage and track payables from anywhere on the go.

Users like that the platform gives them visibility and control over their spending, also citing that it makes reconciliation faster. However, one user notes that approval processes for reimbursements can feel clunky when multiple approvers are involved.

BILL’s standout feature – Extensive vendor network

One feature that makes BILL stand out is its network of over 5 million vendors, which enables fast and secure payments. If your vendor is in the network, connect with them to initiate ACH or virtual card payments. If a vendor isn’t in the network, you can send them an invite to join and make future payments easier.

Who is BILL built for?

BILL’s ACH billing services are best for small to mid-sized businesses looking to modernize their payment processes without requiring extensive resources to implement. It’s also ideal for companies with moderate payment volumes that need strong accounting software integration with tools like QuickBooks.

7. Medius – Complete source-to-pay automation for global enterprises

Medius is an AP automation solution that streamlines accounts payable processes, reduces manual data entry, and speeds up invoicing.

It offers a B2B payments automation module that supports various methods for domestic and international payments. These include ACH, check, wire transfers, SEPA, and more. Real-time visibility into payment statuses give businesses complete control over cash flow.

Key features in Medius‘s ACH payment processing software include:

• Risk factor alerts: Helps reduce the risk of fraud by highlighting suspicious items and making it easier to cross-check invoice details.
• Self-service portal: Allows companies to quickly onboard new suppliers and even create custom onboarding processes to meet unique requirements.
• Integrations: Offers fully managed integrations to popular ERP solutions, such as Microsoft Dynamics, Oracle NetSuite, and Oracle Fusion.

Users find Medius particularly useful in automating tedious AP tasks and gaining visibility into spending. However, the platform doesn’t support prepayments, which can limit cash flow management options for companies that rely on advance payments.

Medius’s standout feature – Advance payments

One feature that Medius offers that other ACH vendors don’t is the ability to use prepayments to secure funds before delivering goods or services. Businesses can use this feature to cover production costs and improve their cash flow. They can also use it to reconcile down payments ahead of due dates and ensure accurate accounting.

Who is Medius built for?

Medius is built for large enterprises with complex AP processes and high transaction volumes across multiple entities or countries. It’s also ideal for companies looking for solutions to unify their source-to-pay lifecycle, increase spend visibility, and improve fraud prevention.

8. Sage Intacct – Fast electronic checks and ACH payment processing

Sage Intacct is a financial management platform that helps growing businesses automate their procure-to-pay processes. It’s compatible with popular payment solutions, such as Stripe and PayPal, that you can use to securely and quickly pay vendors.

The platform provides full visibility into payment status, so you can track payments throughout their lifecycle. It also offers reconciliation software with features like automated bank statement matching to speed up reconciliations.

Key features in Sage Intacct‘s ACH payment processing software include:

• Virtual card: Allows you to issue one-time virtual cards to reduce the risk of fraud and even potentially earn cash rebates.
• Bank reconciliation: Automatically matches payments with bank transactions to keep books up to date and reduce manual work.
• Financial reporting: Dashboards provide real-time payment insights with “dimensional” reporting that lets businesses dig deep into spending patterns.

Sage Intacct’s standout feature – Finance Intelligent Agent

One standout feature from Sage Intacct is its AI-powered Finance Intelligence Agent, which is embedded directly into the platform. Finance teams can use the agent to automate routine tasks, ask questions in natural language, and surface insights across all financial data.

Who is Sage Intacct built for?

Sage Intacct is a good fit for growing medium-sized businesses looking to digitize their payable and receivable workflows. It’s also well-suited for global organizations as they can use the platform’s multi-entity management features to centralize their financial operations.

How to choose the best ACH service providers for your company

The right ACH payment service depends on a few things, such as your company’s size, payment volume, and list of priorities.

For example, Tipalti is a good choice for large organizations with high payment volumes and complex compliance requirements. One thing to note is it has a steep learning curve compared to other ACH payment solutions because of its extensive feature set.

If collaboration is at the top of your priorities, consider Stampli. It offers built-in messaging capabilities that keep AP teams and vendors on the same page. If your company is already in SAP’s ecosystem, SAP Concur is a natural choice. It enables you to set up ACH merchant processing to approved accounts and track payments.

If you’re a mid-market company with entities across locations, you can’t go wrong with Rillion’s ACH payment solution. It enables you to streamline your AP workflows and automate payments through ACH, virtual cards, and other preferred methods.

Schedule a demo of Rillion today to see how easy it is to pay your vendors in one click.