What is the difference between Forwardly and Routable?

Forwardly is a payments-first AI-native platform that automates both accounts payable (AP) and accounts receivable (AR) with multiple payment speeds and real-time options. Routable is a payments automation tool focused on AP and AR workflows with strong bulk payouts and global payment capabilities.

Is Forwardly a good alternative to Routable?

Yes. Forwardly is a strong alternative for businesses that want faster real-time payments, simpler pricing with no monthly subscriptions, and automated AR as well as AP workflows.

Does Forwardly support both AP and AR like Routable?

Yes. Forwardly automates both accounts payable and accounts receivable. Routable also supports AP and AR automation, including invoice routing and customer billing.

Which platform reduces more manual work?

Both platforms automate recurring workflows and approvals. Forwardly emphasizes real-time payments and AR automation, while Routable excels in bulk payouts and flexible API-driven automation.

Routable Alternative for Faster AP Payments

The Routable alternative that doesn't cost $1,250 a month

Forwardly is the modern Routable alternative built for growing businesses that want smarter AP automation, instant payments, full AR management, and seamless accounting sync; without the enterprise price tag, lengthy implementation, or per-transaction fees that add up fast. Get started in minutes, not weeks.

Faster, cheaper, and without the enterprise contract

Features	Routable	Forwardly
Monthly subscription fee	From $1,250/month
Standard ACH (3–5 business days)	$0.50 / transfer	10 free/month, then $0.50 each
Next-day ACH	$3.00 / transfer	1% (min $1, max $3)
Same-day ACH	$5.00 / transfer	1% (min $1, max $4)
Instant bank transfer	1% / transfer	1% (min $1, max $5)
Card payment		2.99% + $0.25 ⓘ Processing fee can be passed to clients
Free trial	Demo only	30 days
Get started without a sales call	Demo required	Self-serve signup
White-glove client migration tool		ⓘ Book an onboarding call to get set up.
AR automation
AP automation (bill pay and approvals)
AI bill capture / invoice OCR	Add on
Dedicated bill inbox
Advanced approval workflows	Custom plan only
ERP support for high-growth businesses
Works with multiple accounting platforms
Forwardly Business Network
Bulk payment actions
Recurring invoice schedules
Per-payment audit trail
Unlimited users
Custom roles and permissions	Custom plan only
Custom volume pricing	Custom plan only	Enterprise only
Developer API support

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With Forwardly, you get enterprise-grade AP for a fraction of the cost

Routable's Growth plan starts at $1,250/month, before a single payment is sent. Most growing businesses save over $15,000 a year after switching.

Payment type	Time to deliver	Your cost	Your savings after switching
Routable Subscription		$1,250 / month
Forwardly Subscription		$0.00	$15,000+ year per user
Routable (Instant)	Within seconds	1% / transfer
Forwardly (Next-Day ACH)	1 business day	$3.00 max cap	Same max, but Forwardly is 1% so on smaller payments it's less
Forwardly (Same-Day ACH)	Same business day	$4.00 max cap	Up to $1.00 saved
Forwardly (Instant)	60 seconds	$5.00 max cap	Savings grow with payment size

All your data synced. Zero manual entry.

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

Switch from Routable and start saving from day one

Leave Routable. Keep your workflow.

Your accounting software, vendors, and approval process stay exactly as they are. Forwardly just handles payments faster and for less.

Instant payments Routable can't match

Send money in 60 seconds with instant bank transfers 24/7, including weekends and holidays. Routable doesn't offer this at any price point.

Books stay reconciled automatically

Every payment syncs back to your accounting software in real time. No manual matching, no end-of-month cleanup, no duplicate entry.

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Proof that better payments are possible

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!

Catherine P.

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.

Lisa A. Lewis

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.

Jackie Anthony

Founder, AllCents Consulting

Forwardly is built for businesses that want to grow, not get charged more for it

Smart, AI-native bill pay

Capture invoices automatically, route approvals intelligently, and reconcile in real time, the same AP automation Routable charges enterprise rates for, available to every Forwardly customer.

90% less time on manual AR tasks

AI-driven automation handles invoice retrieval, payment initiation, reminders, and reconciliation so your team can focus on clients instead of collections.

Start in minutes, not weeks

No mandatory implementation call, no minimum contract. Connect your accounting software, sync your bills, and start paying vendors the same day.

5x faster payments than Routable

Remove the payment delays that slow your team down. Instant transfers, same-day ACH, and next-day options, all in one place.

The all-in-one payment solution

Faster payment options

Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.

Advanced approval workflows with roles and permissions

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.

Flexible payments

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-powered bill capture and inbox

AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.

Seamless accounting sync

Connect Forwardly with QuickBooks, Xero, Zoho Books, or FreshBooks for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.