Forwardly is the modern Ramp Bill Pay alternative built for growing businesses that want instant payments, same-day ACH, AI bill capture, full AP and AR automation, and seamless accounting sync, all in one payments-first platform with $0 in monthly fees and no per-user charges.
| Features | Ramp AP | Forwardly |
|---|---|---|
| Monthly subscription fee | $0–$15+ / month |  |
| Standard ACH (3–5 business days) | $0.59 | 10 free/month, then $0.50 each |
| Next-day ACH | |
1% (min $1, max $3) |
| Same-day ACH | $10.00 flat | 1% (min $1, max $4) |
| Instant bank transfer | |
1% (min $1, max $5) |
| Supported card payments | Via Ramp card | Mastercard, Visa, Amex, Capital One |
| Accept Card Payments | |
2.99% + $0.25
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| Free trial | Higher plan only | 30 days |
| White-glove client migration tool | |
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|
| AR automation | |
|
| AP automation (bill pay and approvals) |  |
|
| AI bill capture | |
|
| Dedicated bill inbox | |
|
| Advanced approval workflows | Higher plan only | |
| ERP support for high-growth businesses | Higher plan only | |
| Works with multiple accounting platforms | |
|
| Forwardly Business Network | |
|
| Bulk / batch payment actions | Higher plan only | |
| Recurring invoice schedules | |
|
| Per-payment audit trail | Higher plans only | |
| Unlimited users | |
|
| 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 |
|---|---|---|---|
| Ramp Subscription | $0–$15+ / month | ||
| Forwardly Subscription | $0.00 | $180/year per user | |
| Ramp (Same-day ACH) | $10.00 flat | ||
| Forwardly (Standard ACH) | 1 business day | $0.50 · 10 free/month | $0.09 per payment + 10 free monthly |
| Forwardly (Same-Day ACH) | Same business day | $4.00 max cap | Up to $9.00 per payment |
| Forwardly (Instant) | 60 seconds | $5.00 max cap | A speed Ramp can't offer at any price |
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
Ramp handles payables only. Forwardly manages receivables and payables together, without a separate tool or extra subscription.
Instant payments, same-day ACH, and next-day ACH, all available at the lowest cost.
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
Capture invoices automatically, route approvals at any level, and reconcile in real time, without needing a Plus plan to unlock the features your AP team actually needs day-to-day.
Forwardly handles receivables and payables together. Ramp Bill Pay is AP only, if you need AR automation, you're paying for a separate tool.
Add your whole team: approvers, controllers, bookkeepers, with no per-user charge. Advanced approval workflows and ERP integrations are included, not gated behind a plan upgrade.
Instant transfers, same-day ACH, and next-day ACH, all available at capped, transparent fees. Ramp offers same-day ACH at $10 flat and no faster options beyond that.
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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