--- type: Software Buyer's Guide title: 9 Best Billtrust Alternatives and Competitors in 2026 description: Nine Billtrust alternatives and competitors compared for distributors on payment processing fees, ERP connection, late fees and last-reported price: Paidnice, BILL, Versapay, Upflow, Quadient AR, Gaviti, Invoiced, HighRadius and Esker. resource: https://accounting.events/reviews/best-billtrust-alternatives/ tags: [billtrust alternatives, billtrust competitors, best billtrust alternatives, billtrust alternative, billtrust vs bill, ar software for distributors, b2b payment processing fees] timestamp: 2026-10-27 author: Harry P. Smart fact_checked_by: Julie Turnbridge fact_checked: 2026-10-27 --- # 9 best Billtrust alternatives and competitors in 2026 Billtrust sells invoice delivery, B2B payments, credit, collections and cash application to large suppliers, on a quoted price with processing fees on top. These nine tools replace parts of it, and each one handles payments differently. **The best Billtrust alternatives and competitors in 2026 are Paidnice, BILL, Versapay, Upflow, Quadient AR, Gaviti, Invoiced, HighRadius and Esker. Paidnice fits a distributor that wants late fees, statements and reminders set per trade group, from $69 a month on Xero and QuickBooks Online, or Custom from $999 a month on an ERP, quoted for your setup. The others are grouped by revenue band and compared on payment fees, ERP and price.** **In short** - Billtrust is quote-only. Buyers report $20,000 to $60,000 a year, often above $75,000 at enterprise volume, plus payment processing fees (ERP Research). - Three alternatives publish payment processing rates: BILL, Upflow (Upflow Payments add-on) and Versapay (NetSuite Pay). Gaviti offers ACH at zero fee to the buyer. - Two alternatives raise late fees themselves: Paidnice, per customer group, and Invoiced, with one rule. - Billtrust's invoice delivery to more than 260 AP portals and its digital lockbox have no like-for-like replacement on this page. **Related guides:** [Versapay vs HighRadius vs Billtrust](/reviews/versapay-vs-highradius-vs-billtrust/), [best AR software for wholesale and distribution](/reviews/best-accounts-receivable-software-wholesale-distribution/), [best AR automation software](/reviews/best-ar-automation-software/) ## What is Billtrust? Billtrust is a US order-to-cash platform for B2B suppliers, covering invoice delivery, B2B payments, credit, collections and cash application. It delivers invoices by email, print and mail, and into more than 260 buyer AP portals, and supports e-invoicing including Peppol through Order2Cash. On payments it runs a digital lockbox and, per Viewpoint Analysis, accepts virtual cards through the Billtrust Business Payments Network. Billtrust says its cash application reaches "95%+ match rates". Its named customers include Saint-Gobain, Staples and United Rentals. Viewpoint Analysis describes a strong following among North American distributors, wholesalers and manufacturers. ## Why do distributors look for a Billtrust alternative? Distributors usually leave Billtrust over the total cost, the processing fees on top of it, or a team too small to use the full suite. - **Price.** No published rate card. ERP Research reports $20,000 to $60,000 a year, rising with invoice volume, and full deployments often need several licensed modules (Viewpoint Analysis). - **Processing fees.** Card and ACH fees sit on top of the subscription and are not published. - **ERP documentation.** Billtrust's home page names "200+ connectors" but no ERP. NetSuite, SAP and Dynamics connectors are described by third parties. - **Late fees.** No late fee or interest feature appears on the Billtrust pages reviewed, so a distributor that charges interest on trade accounts does it in the ERP. - **Scale.** A distributor under $10m revenue rarely needs AP portal delivery or a lockbox, and pays for both. ## How this list was put together This list helps a distributor or B2B supplier leaving Billtrust shortlist a tool by payments and ERP fit first, then by price. | What we checked | Where the evidence came from | | --- | --- | | Card and ACH payments, and published processing rates | Vendor pricing pages and payment product pages | | ERP connections: NetSuite, Business Central, Dynamics 365 Finance, SAP | Vendor integration pages, then named third-party lists, labeled as third-party | | Late fees and interest on trade accounts | Vendor help pages | | Statements and credit limits | Vendor feature pages | | Price | The vendor's pricing page, or the last reported price with its source where the price is hidden | | Rating and review count | G2 or Capterra | The tools are grouped by the revenue band each one is sold into. The bands are orientation only. ## Which Billtrust alternative fits your revenue? Pick the band first, then decide whether you need the alternative to process payments or only to collect them. | Revenue band | Tools | What they replace from Billtrust | | --- | --- | --- | | Any size, published or set price | 1. Paidnice, 2. BILL | Collections, statements and a payment portal; Paidnice adds late fees per trade group, BILL adds invoicing and payments | | $10m to $100m | 3. Versapay, 4. Upflow, 5. Quadient AR, 6. Gaviti, 7. Invoiced | Collections, a payment portal and cash application, on quoted plans | | $100m and above | 8. HighRadius, 9. Esker | Credit, deductions, cash application and invoice delivery at enterprise volume | ## How do payment processing fees compare? Three of the nine publish processing rates; Billtrust, like most enterprise suites, quotes them with the subscription. | Tool | Platform fee | Card | ACH | | --- | --- | --- | --- | | Billtrust (baseline) | Quoted | Quoted | Quoted | | Paidnice | No payments fee published; card and ACH run through your connected payment provider | Provider rate | Provider rate | | BILL | Included in $49 to $89 per user a month | 2.9% | $0.59 per payment | | Versapay (NetSuite Pay) | $200 a month | 2.9% plus 30 cents | 0.35% plus 30 cents, capped at $8 | | Upflow (Upflow Payments add-on) | $390 a month | 3.5% plus 30 cents | 0.8%, capped at $5 | | Quadient AR | Quoted | Quoted | Quoted | | Gaviti | Quoted | Not documented | Zero fee to the buyer | | Invoiced | Quoted | Quoted | Quoted | | HighRadius | Quoted | Not documented | Not documented | | Esker | Quoted | Not documented | Not documented | Rates are the vendor's published US rates: BILL's pricing page, Versapay's NetSuite Pay pricing page (US and Canada only) and Upflow's pricing page. "Quoted" means the vendor prices it in the contract. "Not documented" means the vendor's pages do not say. Check current rates with the vendor. ## How do ERP, late fees and price compare? Billtrust names no ERP on its own home page; eight of the nine alternatives name NetSuite on theirs. | Tool | ERPs named by the vendor | Late fees and interest | Price (USD, last reported where hidden) | Rating | | --- | --- | --- | --- | --- | | Billtrust (baseline) | "200+ connectors", none named; third parties list NetSuite, SAP, Oracle, Dynamics 365, Infor | None found | $20,000 to $60,000 a year, plus processing fees (ERP Research) | G2 4.4 (510, snippet); Capterra 4.7 (snippet) | | Paidnice | Xero, QuickBooks Online; NetSuite, Business Central, Sage Intacct, Dynamics 365 Finance and any cloud ERP by custom implementation | Yes, per customer group, posted to the ledger as invoices | $69 a month on Essentials; Custom from $999 a month, quoted for your setup | Not applicable | | BILL | QuickBooks, Xero; NetSuite, Sage Intacct, Dynamics and Acumatica on Enterprise | None found | $49, $65 or $89 per user a month; Enterprise custom | G2 4.4 (about 1,800) | | Versapay | NetSuite, Sage Intacct, Business Central, Dynamics 365 Finance | None found | $50,000 to $150,000+ a year (ERP Research) | G2 4.1 (95, snippet); Capterra 4.4 (29) | | Upflow | Xero, QuickBooks Online, NetSuite, Sage Intacct | No, via your ERP only | Last published $440 (Grow) and $880 (Scale) a month; current prices hidden | G2 4.8 (231, snippet) | | Quadient AR | NetSuite, SAP, Dynamics, Sage Intacct, Acumatica, Xero, QuickBooks | None found | Capterra lists from $500 a month | Capterra 4.5 (33) | | Gaviti | Xero, QuickBooks, NetSuite, Sage Intacct, Dynamics 365, SAP, Oracle | None found | No price published; usage-based | Capterra 4.5 (91) | | Invoiced | NetSuite, Sage Intacct, Dynamics 365, Workday, QuickBooks, Xero, SAP | Yes, flat or percentage, one rule | Third-party "from about $299 a month" | Capterra 4.7 (149) | | HighRadius | SAP, Oracle, Microsoft Dynamics, NetSuite | None found | $50,000 to $150,000+ a year, or outcome-based | Capterra 4.4 (13) | | Esker | SAP, Oracle, Microsoft Dynamics | None found | Quote only | G2 4.3 (28, snippet) | ## 1. Paidnice, best for trade-group late fees **Best for:** a distributor or wholesaler that wants a different reminder, statement and late fee rule for each trade group, on Xero, QuickBooks Online or an ERP. ![Paidnice NetSuite page showing a NetSuite invoice with a reminder, statement, drafted late fee and a PO added by AI](/assets/vendors/paidnice-netsuite.webp) _Paidnice NetSuite page_ - **Revenue band:** any size. On Xero and QuickBooks Online it is self-serve; on an ERP the Custom plan has no plan limits and is never priced by revenue. - **Entry cost:** $69 a month on Essentials (£49 in the UK) for Xero and QuickBooks Online. Custom from $999 a month (£749 in the UK), quoted for your setup, for NetSuite, Business Central, Sage Intacct and other ERPs. - **ERP connection:** NetSuite with two-way sync, custom fields and OneWorld, Business Central, Sage Intacct and any cloud ERP, through a custom implementation set up by an implementation specialist. - **Rated:** not applicable. Paidnice sets policies per customer group, so a buying group, a national account and a cash customer each run their own reminders, statements and fees. Late fees and interest post into the ledger as invoices. Statements can consolidate parent and child accounts, and a credit limit per customer can raise an escalation when it is breached. Paidnice uses AI to read customer replies and remittance advice, logs payment dates against the invoices, and drafts answers for a person to approve. On Xero and QuickBooks Online, buyers pay by card or ACH in the Paidnice portal and the payment is recorded against the invoice. Payment plans and early payment discounts are live on Xero, QuickBooks Online and NetSuite. **Limitation:** Paidnice takes card and ACH through your connected payment provider instead of its own payment network. It is not listed on SuiteApp.com or AppSource and has no Built for NetSuite badge. ## 2. BILL, best for small sellers taking ACH **Best for:** a small supplier on QuickBooks or Xero that wants invoicing, card and ACH acceptance and its AP in one product at a per-user price. ![BILL pricing page for accounts payable and receivable, showing Essentials at $49, Team at $65 and Corporate at $89 per user a month, with custom Enterprise pricing](/assets/vendors/bill-pricing.webp) _BILL pricing page_ - **Revenue band:** small and mid-sized businesses; ERPs only on Enterprise. - **Entry cost:** $49, $65 or $89 per user a month; Enterprise is custom ([BILL pricing page](https://www.bill.com/pricing)). Receiver fees: ACH $0.59, card 2.9%, instant transfer 1.25%. - **ERP connection:** Essentials syncs QuickBooks and Xero by CSV only; Team and Corporate add two-way sync. NetSuite, Sage Intacct, Dynamics and Acumatica need the custom Enterprise plan. - **Rated:** 4.4 from about 1,800 on G2. BILL sends invoices by email or US mail, takes card and ACH, runs auto-charge and auto-pay, and added Payment Links in May 2026. G2 and AlternativeTo both name BILL as the top Billtrust alternative. **Limitation:** reminders are capped at 3 templates for the whole company, and BILL has no statements, payment plans or late fees. ## 3. Versapay, best for NetSuite Pay and portal **Best for:** a North American mid-market distributor on NetSuite, Sage Intacct or Dynamics 365 that wants buyers to dispute and pay invoices in a shared portal. ![Versapay homepage headline, simplify the entire invoice-to-cash process, above a product screen with an AI agent panel](/assets/vendors/versapay-home.webp) _Versapay homepage_ - **Revenue band:** mid-market B2B, with manufacturing, wholesale distribution and professional services pages. - **Entry cost:** quote only. ERP Research estimates $50,000 to $150,000+ a year by invoice volume, with processing fees on top. - **ERP connection:** native NetSuite, Sage Intacct, Business Central and Dynamics 365 Finance and Supply Chain Management; other ERPs by open API or flat file. No Xero, QuickBooks Online or SAP. - **Rated:** 4.4 from 29 on [Capterra](https://www.capterra.com/p/164271/VersaPay-ARC/); 4.1 from 95 on G2 (search snippet). Versapay powers NetSuite Pay, Oracle's card and ACH product for the US and Canada, at $200 a month plus 2.9% and 30 cents per card payment and 0.35% and 30 cents per ACH payment, capped at $8. See [Versapay vs Billtrust](/reviews/versapay-vs-billtrust/) and the [best Versapay alternatives](/reviews/best-versapay-alternatives/). **Limitation:** no published AR price, and no late fee feature was found on the pages reviewed. ## 4. Upflow, best for published payment fees **Best for:** a mid-market B2B team that wants collections analytics and a payment portal with card, ACH and SEPA rates printed on the pricing page. ![Upflow homepage headline, AI-powered AR insights for stronger financial relationships, beside sample DSO, autopay and invoice cards](/assets/vendors/upflow-home.webp) _Upflow homepage_ - **Revenue band:** quoted by gross invoice value, from up to $10m on Starter to above $100m. - **Entry cost:** Upflow's last published prices were $440 a month for Grow and $880 for Scale; current prices are hidden ([Upflow pricing page](https://upflow.io/pricing)). Upflow Payments costs $390 a month plus card and ACH fees. - **ERP connection:** Xero and QuickBooks Online on Starter; NetSuite and Sage Intacct from Grow, with real-time bi-directional NetSuite sync and OneWorld support. - **Rated:** 4.8 from 231 on [G2](https://www.g2.com/products/upflow-upflow/reviews) (search snippet). Upflow measures DSO against best possible DSO and collection effectiveness, and its Cash Application Agent sits on Accelerate and above. See [Upflow pricing](/reviews/upflow-pricing/). **Limitation:** no native late fees, and no Business Central or SAP connection today. ## 5. Quadient AR, best for remittance matching **Best for:** a distribution group on NetSuite, Sage Intacct or SAP whose bottleneck is matching remittances to open invoices. ![Quadient homepage headline, make every connection count, over a photo of people talking in an office](/assets/vendors/quadient-ar-home.webp) _Quadient AR homepage_ - **Revenue band:** mid-market to enterprise; most G2 reviewers work at companies of 51 to 1,000 employees. - **Entry cost:** quote only. Capterra lists a starting price of $500 a month, priced per feature by invoice volume. - **ERP connection:** NetSuite (SuiteApp), Sage Intacct, Sage 300 and X3, Dynamics, SAP including Business One, Acumatica, Xero and QuickBooks. - **Rated:** 4.5 from 33 on [Capterra](https://www.capterra.com/p/213360/YayPay/reviews/). Quadient AR, formerly YayPay, adds payment-date prediction, credit applications, scorecards and a customer portal. Automatic push of cash application results into the ERP is off by default and covers NetSuite and Sage Intacct. **Limitation:** the portal cannot split one invoice into installments, and the team works from one shared AR mailbox. ## 6. Gaviti, best for a zero-fee ACH portal **Best for:** a mid-market supplier or shared-service center that wants buyers to pay by ACH without a fee, with collections and cash application in the same tool. ![Gaviti homepage headline, AI powered invoice to cash, beside payment forecasting, disputes and customer risk charts](/assets/vendors/gaviti-home.webp) _Gaviti homepage_ - **Revenue band:** mid-market and enterprise; no revenue floor stated. - **Entry cost:** quote only, "tailored pricing based on your usage, not per user", with unlimited users ([Gaviti pricing page](https://www.gaviti.com/pricing)). - **ERP connection:** Xero, QuickBooks, NetSuite, Sage Intacct, Dynamics 365, SAP and Oracle, all named on Gaviti's homepage. - **Rated:** 4.5 from 91 on [Capterra](https://www.capterra.com/p/169544/Gaviti/). Gaviti covers credit management, disputes, invoice distribution and cash application, which it says is "90% completed automatically". **Limitation:** no published price and no late fee feature found. ## 7. Invoiced, best for billing with late fees **Best for:** a mid-market supplier that wants invoicing, collections, a payment portal and one native late fee rule in one platform. ![Invoiced by Flywire homepage headline, get paid faster with AI-native accounts receivable automation](/assets/vendors/invoiced-home.webp) _Invoiced homepage_ - **Revenue band:** mid-market to enterprise, multi-entity or international. - **Entry cost:** quote only. Capterra lists a custom quote billed per user per month; ERP Research reports "from about $299 a month". - **ERP connection:** NetSuite, Sage Intacct, Dynamics 365 and Workday as native integrations; QuickBooks and Xero as standard; SAP, Epicor and Infor for enterprise. - **Rated:** 4.7 from 149 on [Capterra](https://www.capterra.com/p/222215/Invoiced/reviews/). Invoiced, part of Flywire since August 2024, adds cash application (CashMatch), disputes and a late fee with a flat or percentage amount, a grace period and a per-invoice toggle. See [Invoiced vs Tesorio](/reviews/invoiced-vs-tesorio/). **Limitation:** no published price or processing rates, and no free trial is listed on Capterra. ## 8. HighRadius, best for deductions at scale **Best for:** a large manufacturer or distributor with high deduction volumes, complex credit and cash application across SAP, Oracle or Dynamics. ![HighRadius homepage headline, AI-powered value creation for the office of the CFO, above a wall of enterprise customer logos](/assets/vendors/highradius-home.webp) _HighRadius homepage_ - **Revenue band:** enterprise and upper mid-market, more than 1,500 clients. - **Entry cost:** quote only. An outcome-based option charges $0 implementation and $0 subscription until go-live, then "a fraction of the actual savings" (HighRadius press release). ERP Research estimates $50,000 to $150,000+ a year. - **ERP connection:** "50+ pre-built integrations including SAP, Oracle, Microsoft Dynamics, and NetSuite". - **Rated:** 4.4 from 13 on [Capterra](https://www.capterra.com/p/127948/ReceivablesRadius/reviews/). HighRadius covers collections, cash application, deduction management, credit, e-invoicing and treasury. See [HighRadius vs Billtrust](/reviews/highradius-vs-billtrust/) and the [best HighRadius alternatives](/reviews/best-highradius-alternatives/). **Limitation:** priced and staffed for enterprise programs, with no published price or processing rates. ## 9. Esker, best for order-to-cash in Europe **Best for:** a large B2B supplier with European entities on SAP, Oracle or Dynamics that wants order processing, credit and collections in one suite. ![Esker homepage](/assets/vendors/esker-home.webp) _Esker homepage_ - **Revenue band:** large B2B organizations; multi-entity, multi-currency and multi-language. - **Entry cost:** quote only, with no third-party figure found. - **ERP connection:** "SAP, Oracle, MS Dynamics, etc." on Esker's page; third parties add S/4HANA, Dynamics 365 Finance and Operations, JD Edwards and NetSuite. - **Rated:** 4.3 from 28 on [G2](https://g2.com/products/esker/reviews) (search snippet). Esker covers order management, credit, customer inquiries, claims, invoice delivery, cash application, deductions and collections. Bridgepoint and General Atlantic took it private in March 2025. **Limitation:** no published price, and no card or ACH processing documented on the page reviewed. ## What do you lose when you leave Billtrust? Two Billtrust services have no like-for-like replacement on this page: invoice delivery into more than 260 AP portals and the digital lockbox. - **AP portal delivery.** If your largest buyers require invoices in Coupa, Ariba or similar portals, confirm how each alternative handles them before you sign, or keep that delivery step manually in-house. - **Lockbox.** Set up a bank lockbox before you switch, and test each alternative's cash application against your bank's remittance file. - **Virtual cards.** Billtrust accepts virtual cards through its payments network. BILL, Versapay and Upflow publish card rates; the others quote them. - **Late fees.** We found none on the Billtrust pages reviewed. Paidnice and Invoiced raise them. ## Common questions ### Who are Billtrust's competitors? Billtrust's main competitors are HighRadius, Versapay, BILL, Invoiced, Quadient AR, Gaviti, Esker, Upflow and Paidnice. HighRadius and Esker compete at enterprise scale, Versapay, Quadient AR, Gaviti and Invoiced in the mid-market, and BILL and Paidnice for smaller suppliers. ### Is Billtrust a legit company? Yes, Billtrust is a legitimate company: it was founded in 2001 in New Jersey, listed on Nasdaq through a SPAC in 2021, and was taken private by EQT in a deal of about $1.7 billion that shareholders approved in December 2022. Viewpoint Analysis reports that it handles over $1 trillion of invoice value a year. ### How much does Billtrust cost? Billtrust does not publish a price, and quotes depend on invoice volume. Buyers report $20,000 to $60,000 a year, rising with invoice volume, with enterprise contracts often above $75,000, plus payment processing fees (ERP Research). There is no free trial. ### Which Billtrust alternative is best for distributors? Paidnice fits a distributor that wants late fees, statements and reminders set per trade group, from $69 a month on Xero and QuickBooks Online. Versapay and Quadient AR fit mid-market distributors on an ERP, and HighRadius fits enterprise deduction volumes. ### Which alternatives publish payment fees? BILL (card 2.9%, ACH $0.59), Upflow ($390 a month, card 3.5% plus 30 cents, ACH 0.8% capped at $5) and Versapay through NetSuite Pay ($200 a month, card 2.9% plus 30 cents, ACH 0.35% plus 30 cents capped at $8). Gaviti offers ACH at zero fee to the buyer. ## Where the figures come from - Billtrust: billtrust.com home page; EQT acquisition ([Business Wire](https://www.businesswire.com/news/home/20221215006128/en)); prices from [ERP Research](https://erpresearch.com/erp-add-ons/ar-collections/billtrust/pricing); payments network, history and distributor focus from [Viewpoint Analysis](https://www.viewpointanalysis.com/post/billtrust-alternatives-ar-software-competitors). - Payment rates: [BILL pricing page](https://www.bill.com/pricing), [Upflow pricing page](https://upflow.io/pricing), Versapay's NetSuite Pay pricing page and Oracle NetSuite help. - ERP connections: each vendor's integrations page; third-party claims labeled in the table. - Prices: [Upflow pricing page](https://upflow.io/pricing), [Gaviti pricing page](https://www.gaviti.com/pricing); ERP Research, Capterra and HighRadius's outcome-based pricing release for hidden prices. - Ratings: [G2](https://www.g2.com/products/billtrust/reviews) and [Capterra](https://www.capterra.com/p/139184/Billtrust-Invoice-Management/) for Billtrust; G2 and Capterra listings linked in each entry. No vendor paid to appear on this page. ## Sources Sources checked by Julie Turnbridge on October 27, 2026: 1. [BILL pricing page](https://www.bill.com/pricing) (bill.com/pricing) 2. [Capterra](https://www.capterra.com/p/164271/VersaPay-ARC/) (capterra.com/p/164271/VersaPay-ARC) 3. [Upflow pricing page](https://upflow.io/pricing) (upflow.io/pricing) 4. [G2](https://www.g2.com/products/upflow-upflow/reviews) (g2.com/products/upflow-upflow/reviews) 5. [Capterra](https://www.capterra.com/p/213360/YayPay/reviews/) (capterra.com/p/213360/YayPay/reviews) 6. [Gaviti pricing page](https://www.gaviti.com/pricing) (gaviti.com/pricing) 7. [Capterra](https://www.capterra.com/p/169544/Gaviti/) (capterra.com/p/169544/Gaviti) 8. [Capterra](https://www.capterra.com/p/222215/Invoiced/reviews/) (capterra.com/p/222215/Invoiced/reviews) 9. [Capterra](https://www.capterra.com/p/127948/ReceivablesRadius/reviews/) (capterra.com/p/127948/ReceivablesRadius/reviews) 10. [G2](https://g2.com/products/esker/reviews) (g2.com/products/esker/reviews) 11. [Business Wire](https://www.businesswire.com/news/home/20221215006128/en) (businesswire.com/news/home/20221215006128/en) 12. [ERP Research](https://erpresearch.com/erp-add-ons/ar-collections/billtrust/pricing) (erpresearch.com/erp-add-ons/ar-collections/billtrust/pricing) 13. [Viewpoint Analysis](https://www.viewpointanalysis.com/post/billtrust-alternatives-ar-software-competitors) (viewpointanalysis.com/post/billtrust-alternatives-ar-soft...) 14. [G2](https://www.g2.com/products/billtrust/reviews) (g2.com/products/billtrust/reviews) 15. [Capterra](https://www.capterra.com/p/139184/Billtrust-Invoice-Management/) (capterra.com/p/139184/Billtrust-Invoice-Management)