Forwardly gives growing teams the AP and AR automation they actually use every day: faster automated payments, AI bill capture, full approval workflows, and seamless accounting sync; with transparent pricing, no monthly fees, and faster implementation.
| Features | Tipalti | Forwardly |
|---|---|---|
| Monthly subscription fee | From $99/month |  |
| Free trial | Demo only | 30 days |
| Standard ACH |  |
$0.50 |
| Same-day ACH/ Next-day ACH | |
1% (min $1, max $3–$4) |
| Instant bank transfer | |
1% (min $1, max $5) |
| Card payment | Virtual cards only | Mastercard, Visa, Amex, Capital One |
| White-glove client migration tool | |
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| AR automation | |
|
| AP automation (bill pay and approvals) | |
|
| AI bill capture | |
|
| Auto pay bills | |
|
| Advanced approval workflows | Higher plans 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 | Higher plans only | |
| Custom volume pricing | Enterprise only | Enterprise only |
| Payment type | Time to deliver | Your cost | Your savings after switching |
|---|---|---|---|
| Tipalti Subscription | $99+/month | ||
| Forwardly Subscription | $0.00 | $1,188+/year at minimum | |
| Tipalti (Instant) | Not available | ||
| Forwardly (Next-Day ACH) | 1 business day | $3.00 max cap | Transparent pricing, always |
| Forwardly (Same-Day ACH) | Same business day | $4.00 max cap | Pay vendors a full day faster for less |
| Forwardly (Instant) | 60 seconds | $5.00 max cap | A speed Tipalti 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
Instant transfers in 60 seconds, next-day ACH, and same-day ACH, all at transparent, capped fees.
Unlimited approval levels, bulk payment processing, multi-entity support, and 90-day payment scheduling, your AP workflow handles growth without needing to rebuild it from scratch.
Real-time two-way sync with NetSuite, Sage Intacct, Dynamics 365, QuickBooks, and Xero. Every bill, approval, and payment posts back automatically; no batch exports, no manual reconciliation.
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
AI bill capture, unlimited approval levels, bulk payments, and real-time ERP sync, the same core AP workflow Tipalti delivers, without the 2–3 month implementation or the enterprise contract.
Forwardly handles receivables and payables together. Tipalti is AP only, if you need AR automation, you're managing it in a separate tool.
Add your entire team: controllers, approvers, bookkeepers, with no per-user subscription. Costs scale with your payment volume, not your headcount.
$0 per month at any team size. Pay only per transaction, with fees that are published upfront and capped so costs stay predictable as payment volume grows.
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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