8 best purchase-to-pay software providers for 2026

A streamlined procure-to-pay process provides a clear view into your spending. You know exactly where each dollar is going and can create forecasts with pinpoint accuracy.

But as transaction volumes increase, it becomes harder to maintain that visibility to the point where it can feel like you’re operating in the dark. Left unaddressed, these issues can compound into delayed approvals and cash shortfalls.

This is where purchase-to-pay (P2P) software can prove invaluable.

These solutions streamline P2P workflows and provide visibility into spending — even as your company scales. However, there’s no shortage of P2P software providers so choosing one isn’t easy unless you’re willing to spend time comparing each one.

In this guide, we put together a list of the best P2P software providers on the market. We’ll walk through their core features and ideal use cases to help you find the perfect fit.

These are:

1. Rillion –  Fast, accurate, and AI-powered purchase-to-pay automation software
2. Stampli – Centralized invoice management that brings teams together
3. Medius – Complete procure-to-pay software for global teams
4. SAP Concur – Unified visibility across all payment workflows
5. Tipalti – International payment infrastructure built for growth
6. BILL – Simplified financial operations for small to mid-sized businesses
7. Coupa – Enterprise spend management for smarter spend control
8. Sage Intacct – Financial management with procurement automation

8 purchase-to-pay software providers

Just want the TL;DR? Here’s a look at the best purchase-to-pay software providers, including who they’re designed for and their standout features:

Here’s a full breakdown of the best purchase-to-pay platforms, starting with our top pick.

1. Rillion – Fast, accurate, and AI-powered purchase-to-pay automation software

Rillion is an AI-powered purchase-to-pay platform securely and accurately simplifying AP. It centralizes the entire workflow, from requisition to payment, and gives finance teams complete visibility into spend so they can operate with confidence.

The platform uses advanced OCR and AI to capture data from invoices in any format, then matches it against purchase orders and account postings. Any discrepancies are flagged for review to reduce errors. Configurable workflows ensure invoices reach the right people, so approvals happen quickly without delays.

With Rillion Pay, you can instantly and securely pay vendors in a single click. It supports flexible payment methods, such as ACH, wire transfers, checks, and even virtual cards to create rebate opportunities with each payment. Throughout the P2P cycle, Rillion provides real-time visibility into spending, allowing you to identify cost-saving opportunities.  

Rillion includes all the traditional features of a purchase-to-pay software, with AI applied where it makes a real difference:

• 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 – Multi-entity management

Rillion makes it easy to gain visibility into your purchase-to-pay processes across multiple entities from one location. You can create custom workflows, set up approval rules, and approve and track vendor payments for each entity.

Payments are automatically coded to the correct entity and reconciled against the right invoices to eliminate manual effort. No need to juggle between platforms or log into separate systems.

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 B2B card payments 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 Hartela used Rillion to automate their purchase-to-pay cycle and decrease manual work for their AP staff.

2. Stampli – Centralized invoice management that brings teams together

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 purchase-to-pay 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.

3. Medius – Complete procure-to-pay software for global teams

Medius is a purchase-to-pay automation solution that streamlines accounts payable processes, reduces manual data entry, and speeds up invoicing.

It 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 purchase-to-pay 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.

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 purchase-to-pay lifecycle, increase spend visibility, and improve fraud prevention.

4. SAP Concur – Unified visibility across all payment workflows

SAP Concur is a cloud-based spend management platform that enables businesses to automate expense reporting and invoice processing. It also offers Purchase Request — a product that companies can add to automate their purchase-to-pay processes.

Companies can also add Invoice Payment Manager to automate vendor payments directly within the platform, while maintaining full visibility over their payment workflows. It 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 purchase-to-pay 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 Purchase Request to manage their entire AP lifecycle without having to maintain separate 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.

5. Tipalti – International payment infrastructure built for growth

Tipalti offers a purchase-to-pay solution designed to help businesses scale their accounts payable. Other features include automated invoice management and three-way matching to reduce manual tasks. It also 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.

Key features in Tipalti‘s purchase-to-pay 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.

6. BILL – Simplified financial operations for small to mid-sized businesses

BILL, formerly Bill.com, 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. With automated routing, you can set rules that route approvals to the right people. The platform also features centralized collaboration to keep finance teams on the same page.

BILL 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 purchase-to-pay 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 B2B credit card payments easier.

Who is BILL built for?

BILL’s purchase-to-pay software is 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. Coupa – Enterprise spend management for smarter spend control

Coupa offers procure-to-pay software that helps companies gain more control of their direct and indirect spend. It offers features like inventory management to simplify inventory tracking, AP automation to speed up invoicing, and spend analysis that surfaces actionable insights.

Coupa also offers Coupa Pay, which 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. Businesses can connect Coupa Pay to its invoicing solution to streamline their procure-to-pay processes.

Key features in Coupa‘s purchase-to-pay 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.

8. Sage Intacct – Financial management with procurement automation

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 purchase-to-pay 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.

Users find the automation features in Sage Intacct helpful in reducing manual work for recurring tasks like invoicing. However, some users note the platform has a steep learning curve and that some of the modules can feel “too segmented” and difficult to navigate.

Sage Intacct’s standout feature – Finance Intelligent Agent

One standout feature from Sage Intacct is its 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 purchase-to-pay software provider for your company

Choosing the best purchase-to-pay platform will ultimately depend on your AP workflows and individual requirements.

That said, here are a few use cases to help you narrow down your options:

If you’re a mid-market company that wants to automate and scale the entire P2P process, then Rillion is right for you. It offers customizable approval workflows, three-way PO matching, and automated B2B payments.

If you’re a small to mid-sized business that values ease of use, then consider BILL. It offers an intuitive procure-to-pay software that simplifies AP workflows and an extensive vendor network that facilitates payments.

If you’re a global enterprise that processes high volumes of international payments, then Tipalti is a good choice. It offers automated invoice management and supports transactions in over 120 local currencies across 200 countries.

Need help choosing purchase to pay software? Book a personalized demo of Rillion to meet with our experts to learn how our platform can streamline your P2P processes, while providing full visibility into your accounts.