AP automation pricing and cost calculator
Compare your current invoice-processing cost with a candidate software scenario using your own invoice volume, labor, software fee, transaction fee, and residual exception-handling time.
Page reviewed October 24, 2026. Each price shows its own source and verification date.
How much does AP automation software cost?
Published starting prices, each sourced to the vendor's own site: BILL: $49 per user/month (Essentials plan). Ramp: $0/mo/user (Free plan). Tipalti: Accounts Payable product starts at $99/month; Mass Payments starts at $249/month. Melio: $0 (Free plan, limited to one user). Stampli, AvidXchange, Yooz, and Corpay publish no starting price and quote through sales. The total then depends on how each vendor charges (BILL and Ramp price plans per user, while Tipalti and Yooz state they charge no per-user fees), on transaction fees, and on your invoice volume, so enter a candidate's fees in the calculator below and compare them with what an invoice costs you today.
Current AP process
What invoice processing costs you today.
Automation scenario
Use pricing and workload assumptions you want to evaluate.
Modeled result
Cost comparison
Published AP automation pricing by vendor
| Vendor | Pricing model | Starting price | Transaction fees | Free plan or trial |
|---|---|---|---|---|
| BILL | Per-user subscription tiers plus per-transaction payment fees source, verified 2026-09-07 | $49 per user/month (Essentials plan) source, verified 2026-09-07 | $0.59 ACH/ePayment; $1.99 mailed check; virtual card free; expedited options $11.99–$24.99; instant payment 1.0% (min $9.99, max $100) source, verified 2026-09-07 | Free trial available in most cases (duration not published) source, verified 2026-09-07 · low confidence |
| Ramp | Free tier plus paid Plus tier (per-user + platform fee) and custom Enterprise source, verified 2026-09-07 | $0/mo/user (Free plan) source, verified 2026-10-24 | Free wires and same-day ACH via Bill Pay on the Free plan; other payment-method fees not itemized on the pricing page source, verified 2026-09-07 | Free plan with $0/mo/user available source, verified 2026-09-07 |
| Tipalti | Hybrid subscription + usage pricing based on payment volume, legal entities, modules, and payment methods/currencies source, verified 2026-09-07 | Accounts Payable product starts at $99/month; Mass Payments starts at $249/month source, verified 2026-09-07 | Transaction-based fees apply per invoice and per payment; exact rates not published source, verified 2026-09-07 | No free plan/tier source, verified 2026-09-07 |
| Stampli | Quote-based pricing; no published tiers or rate card source, verified 2026-09-07 | UNKNOWN — no published figure found | UNKNOWN — no published figure found | UNKNOWN — no published figure found |
| Melio | Free plan plus paid tier(s); per-transaction fees for card payments source, verified 2026-09-07 | $0 (Free plan, limited to one user) source, verified 2026-10-24 | Card fee applies for credit card payments; 5 free ACH transfers per month on the Free plan source, verified 2026-09-07 | Free plan available (one user; 5 free ACH payments per month) source, verified 2026-10-24 |
| AvidXchange | Custom/quote-based; no published pricing source, verified 2026-09-07 | UNKNOWN — no published figure found | UNKNOWN — no published figure found | UNKNOWN — no published figure found |
| Yooz | Subscription priced by document (invoice) volume processed (Gold Edition), unlimited users included source, verified 2026-09-07 | UNKNOWN — no published figure found | UNKNOWN — no published figure found | No free plan (only a 15-day free trial) source, verified 2026-09-07 |
| Corpay | Custom/quote-based; no published pricing source, verified 2026-09-07 | UNKNOWN — no published figure found | UNKNOWN — no published figure found | UNKNOWN — no published figure found |
UNKNOWN means no published figure was found in the sources reviewed; it is not a price of zero. Prices change, so confirm the current figure on the vendor's page before you rely on it.
What changes the total
- Users: BILL and Ramp price plans per user; Tipalti and Yooz state that they charge no per-user fees.
- Transaction fees: BILL, Ramp, Tipalti, and Melio publish fee terms (see the table); for Stampli, AvidXchange, Yooz, and Corpay, no fee schedule was found in the sources reviewed.
- Volume and scope: Tipalti: Hybrid subscription + usage pricing based on payment volume, legal entities, modules, and payment methods/currencies. Yooz: Subscription priced by document (invoice) volume processed (Gold Edition), unlimited users included.
- Implementation and internal time: ask each vendor for implementation, onboarding, and support fees in writing, and budget your own team's setup time. The ROI calculator includes a one-time implementation cost.
Frequently asked questions
How much does AP automation cost per invoice?
It depends on your volume and the fees you would pay, and this site does not substitute an industry average for your numbers. The calculator above divides a candidate's monthly software fee, per-invoice fees, and your remaining staff time by your monthly invoice volume.
Is there free AP automation software?
Ramp and Melio publish free plans. Ramp: Free plan with $0/mo/user available. Melio: Free plan available (one user; 5 free ACH payments per month). Fees can still apply per payment; see the transaction-fee column above and AP automation for small business.
Which AP automation vendors do not publish pricing?
Stampli, AvidXchange, Yooz, and Corpay publish no starting price. Stampli: Pricing available only via requested quote. AvidXchange: Pricing available only through sales demo. Yooz: Contact sales for a specific quote. Corpay: Pricing available only through sales contact. Ask each for a written quote that separates subscription, per-transaction, implementation, and renewal terms.
Does AP automation pay for itself?
Only your numbers can say. The AP automation ROI calculator models break-even from your one-time implementation cost and modeled monthly savings, and never assumes a vendor's savings percentage.
Next steps
Match vendors to your requirements · Test shortlisted vendors with the AP Vendor Evaluation Kit