Independent · sourced · Updated June 2026
Best AP Automation (2026)
The cheapest ap automation is BILL at $0/mo. 3 offer a free tier (BILL, Melio, Ramp). This page compares 8 options on entry price, free tier, HIPAA/SOC 2 and best-for — every figure linked to its source, updated June 2026.
8 options compared on price, free tier, compliance and fit — ranked cheapest-first. Every figure links to the vendor's own page and the date we captured it; quote-only tiers show “—”, never a guess.
Key takeaways
- Cheapest: BILL at $0/mo (Spend & Expense).
- Typical paid price: from $9/mo, median $37/mo, up to $1250/mo — across 6 with published pricing.
- Free tier: BILL, Melio, Ramp.
- HIPAA-ready: BILL, Tipalti.
- Tracked: 8 vendors, data current through 2026-06-15.
Comparison
| # | AP Automation | Entry price | Free | HIPAA | SOC 2 | Best for | Source |
|---|---|---|---|---|---|---|---|
| 1 | BILL | $0/mo Spend & Expense | Yes | Yes | Yes | SMBs needing combined AP and AR | bill.com |
| 2 | Melio | $0/mo Go | Yes | — | Yes | Small businesses and freelancers needing free bill pay | meliopayments.com |
| 3 | Ramp | $0/mo Free | Yes | — | Yes | Startups and SMBs wanting free corporate cards + AP in one tool | ramp.com |
| 4 | Plooto | $9/mo Go | No | — | Yes | Canadian small businesses needing CAD payment automation | plooto.com |
| 5 | Tipalti | $99/mo Accounts Payable | No | Yes | Yes | Mid-market and enterprise AP teams | tipalti.com |
| 6 | Routable | $1250/mo Growth | No | — | Yes | Mid-market companies needing mass payouts and AP in one platform | routable.com |
| 7 | AvidXchange | — | No | — | Yes | Mid-market companies in real estate, construction, or HOA management | quote-only |
| 8 | Stampli | — | No | — | — | Mid-market companies with complex ERP environments | quote-only |
Prices are the lowest published self-serve monthly rate as captured on the linked source. Annual-billing and usage details are on each vendor's record in our open dataset.
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Frequently asked questions
What is the cheapest ap automation?
BILL has the lowest published entry price at $0/mo (Spend & Expense), as of 2026-06-15.
How much does ap automation cost per month?
Across the 6 ap automation with published paid pricing, the median starting price is $37/mo, ranging from $9/mo to $1250/mo, as of 2026-06-15. 3 also offer a free tier. 2 are quote-only.
Which ap automation have a free plan?
BILL, Melio, Ramp offer a free tier.
Which ap automation support HIPAA?
BILL, Tipalti state HIPAA support (a BAA). Always confirm current scope with the vendor.
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How we compiled this
Official pricing pages re-verified via WebFetch on 2026-06-15: BILL (bill.com/product/pricing), Melio (meliopayments.com/pricing), Ramp (ramp.com/pricing), Tipalti (tipalti.com/pricing), Routable (routable.com/pricing), Stampli (stampli.com/pricing), AvidXchange (avidxchange.com). Plooto's official pricing page (plooto.com/pricing) and help-center article are anti-bot 403-blocked; Go/Grow prices confirmed via multiple review sources and the CheckThat.ai mirror, and Pro was CORRECTED from a draft error of $99 to $499/month (corroborated by businessnewsdaily.com and business.com). Quote-only vendors (Stampli, AvidXchange) and quote-only tiers (BILL Enterprise, Ramp Enterprise, Melio Platinum, Tipalti custom, Stampli, Routable Scale/Enterprise) carry monthlyUsd null. Tipalti publishes starting-from prices ($99 AP, $249 Mass Payments). Annual discounts included only where stated. freeTrialDays set null for BILL and Melio (no published trial length; Melio's free plan is a forever tier, not a trial). accessedAt 2026-06-15.
Last verified 2026-06-15. We re-check published prices and compliance on a recurring cadence and update this page when they change.
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