Forwardly is the modern Bill.com alternative built for growing businesses, combining instant payments, same-day ACH, AI bill capture, and full AP and AR automation into one platform that syncs with your accounting or ERP software and scales without charging you more per user. Pay smarter, move money faster, and stay in control.
| Features | BILL | Forwardly |
|---|---|---|
| Monthly subscription fee | $45–$89/month |  |
| Standard ACH (3–5 business days) | $0.59 | 10 free/month, then $0.50 each |
| Next-day ACH | $11.99 / payment | 1% (min $1, max $3) |
| Same-day ACH | $11.99 / payment | 1% (min $1, max $4) |
| Instant bank transfer | 1.0% (min $9.99, max $100) | 1% (min $1, max $5) |
| Card payment | 2.9% + fees | 2.99% + $0.25
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| Free trial | |
30 days |
| White-glove client migration tool | |
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| AR automation |  |
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| AP automation (bill pay and approvals) | |
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| AI bill capture with dedicated bill inbox | |
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| Custom approval policies | Higher plans only | |
| ERP support for high-growth businesses | Enterprise only | |
| Works with multiple accounting platforms | |
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| Forwardly Business Network | |
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| Bulk payment actions | |
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| Recurring invoice schedules | |
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| Per-payment audit trail | |
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| Unlimited users | |
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| Custom roles and permissions | Higher plans only | |
| Custom volume pricing | Enterprise only | Enterprise only |
| Payment type | Time to deliver | Your cost | Your savings after switching |
|---|---|---|---|
| BILL Subscription | $45–$89/month | ||
| Forwardly Subscription | $0.00 | $540 to $1,068/year per user | |
| BILL (Instant) | 30 minutes | 1% ($75 max) | |
| Forwardly (Next-Day ACH) | 1 business day | $3.00 max cap | Up to $8.99 per payment |
| Forwardly (Same-Day ACH) | Same business day | $4.00 max cap | Up to $7.99 per payment |
| Forwardly (Instant) | 60 seconds | $5.00 max cap | Up to $95.00 |
Connecting Forwardly takes minutes. Sync your account and your bills and invoices are ready to go. Speak with our team for specialized support and import existing customer payment agreements and vendor banking information; no extra paperwork, no disruption to your team.
Book an onboarding call
Your accounting software, your vendors, your workflow, nothing changes. Forwardly just handles payments better, for less.
Instant payments, same-day ACH, and next-day ACH, all available without a $11.99 flat fee or a plan upgrade.
Payments sync back to your accounting software instantly. Your books stay clean without any extra reconciliation work.
I've never had business payments transfer this fast. I have set up multiple clients for automatic payments, and so far, I’ve enjoyed being able to help my clients wait a little longer to pay their bills while still getting paid on time. My payments are fast (mostly same day with some instant). Forwardly team members are great to work with. I highly recommend it!
CP
Firm owner
The customer service is exceptional! Forwardly is easy to use and dependable. I have not had any major issues. I will continue using Forwardly for all of my client billing into the future as I expand my firm. I am very happy that I stumbled upon the company, and it has been a fantastic journey using them. Again, I will continue using them in the future. Cost is very much a savings and is overall better than the competitors. It was an easy decision to change to Forwardly.
Owner, Money Matters Bookkeeping, LLC
Finally a payment platform that is great to use and doesn't sit on our hard earned cash for days, even weeks, on end. Maybe Forwardly can help kick-start the US banking system into actually supporting their customers and their businesses.
Founder, AllCents Consulting
AP done in minutes with an intelligent bill capture and approval process. Capture invoices in real time, simplify multi-level approvals, and reconcile automatically.
AI-driven automation handles invoice retrieval, payment initiation, reminders, and reconciliation so your team can focus on clients instead of collections.
Add your entire team: controllers, approvers, bookkeepers, with no per-user subscription. Costs scale with your payment volume, not your headcount.
Remove the payment delays that slow your team down. Instant transfers, same-day ACH, and next-day options, all in one place.
Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.
Assign roles and permissions, set up approval workflows, and keep payments protected. Your team stays in control, and your sensitive data stays safe, risk-free and hassle-free.
Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.
AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.
Connect Forwardly with QuickBooks, Xero, Zoho Books, or FreshBooks for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.
All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.
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