--- type: Pricing Guide title: Billtrust Pricing 2026: Cost, Fees and Distributor Fit description: Billtrust pricing explained: no public price, a reported $20,000 to $60,000 a year, how payment processing fees and surcharging change the total for distributors, and what to ask for in the quote. resource: https://accounting.events/reviews/billtrust-pricing/ tags: [billtrust pricing, billtrust cost, how much does billtrust cost, billtrust fees, billtrust processing fees, billtrust surcharging, billtrust for distributors, billtrust payments] timestamp: 2026-10-27 author: Harry P. Smart fact_checked_by: Julie Turnbridge fact_checked: 2026-10-27 --- # Billtrust pricing in 2026: fees and distributor fit What Billtrust costs, what buyers report paying, why card processing fees can outweigh the subscription for a distributor, and the questions to put in the quote request. **Billtrust publishes no price and quotes each buyer. ERP Research reports buyer figures of $20,000 to $60,000 a year, rising with invoice volume, and enterprise suites in the category often cost over $75,000. Payment processing fees come on top and are set in your contract; Billtrust describes itself as a B2B payment facilitator.** **In short** - **Meter:** an annual subscription that rises with invoice volume and the modules you buy, plus processing fees on card and ACH payments. - **Processing:** Billtrust publishes no card or ACH rates. For a distributor that takes cards, those fees can run larger than the subscription. - **Time and discount:** G2 shows 5 months to implement and an average discount of 7% (search result). - **Alternatives to consider:** Paidnice from $69 a month on Xero and QuickBooks Online, or Custom from $999 a month for NetSuite; Versapay and HighRadius on quote. **Related guides:** [Versapay vs HighRadius vs Billtrust](/reviews/versapay-vs-highradius-vs-billtrust/), [the best AR software for wholesale distribution](/reviews/best-accounts-receivable-software-wholesale-distribution/), [what integrated receivables means](/resources/what-is-integrated-receivables/) **CPA note, Harry P. Smart:** budget Billtrust on two lines. The subscription is fixed for the year. The processing fees move with every customer who pays by card, and for a distributor that second line is often the larger one. ## How much does Billtrust cost? Billtrust does not publish a price; ERP Research reports $20,000 to $60,000 a year for the subscription, with processing fees on top. ![Billtrust homepage](/assets/vendors/billtrust-home.webp) _Billtrust homepage_ | Cost item | What Billtrust publishes | What third parties report | |---|---|---| | Platform subscription | Nothing; "Talk to an expert" | $20,000 to $60,000 a year, rising with invoice volume ([ERP Research](https://erpresearch.com/erp-add-ons/ar-collections/billtrust/pricing)) | | Enterprise deals | Nothing | Enterprise suites in the category often over $75,000 a year (ERP Research) | | How the quote is built | Not stated | Annual subscription plus payment processing, quote-based (ERP Research) | | Card and ACH processing | No rates published | Extra; amount not reported | | Implementation | Not published | 5 months to implement on average ([G2](https://www.g2.com/products/billtrust/reviews), search result) | | Discount | Not published | 7% average discount (G2, search result) | | Free trial | None | None (ERP Research) | Subscription figures are last reported by ERP Research; Billtrust keeps its current prices hidden. Some directories show a starting price of about $65 a month; no source confirms it, and it conflicts with every buyer report, so it is not used here. ## How does Billtrust price its platform? Billtrust sells modules on an annual subscription that grows with invoice volume, and it earns processing fees on the payments it handles. Billtrust's platform covers invoicing (print and mail, delivery into more than 260 AP portals, and e-invoicing), payments, credit, collections and cash application. Buyers can start with one module and add others, so two quotes for "Billtrust" can cover very different scope. Ask for a line per module. Invoice volume is the main driver, per ERP Research. A distributor that sends many small invoices pays more than a manufacturer with the same revenue on fewer, larger invoices. If you print and mail invoices through Billtrust, ask whether postage and print are priced per invoice. ## What processing fees does Billtrust charge? Billtrust publishes no card or ACH rates; your rates are set in the payments agreement that comes with the subscription. Billtrust calls itself the "largest pureplay B2B PayFac". A payment facilitator usually onboards you as a sub-merchant under its own merchant account, so it sets the rate you pay, not your bank. That makes the payments agreement as important as the software quote. | What to ask | Why it matters | |---|---| | Interchange-plus or a flat percentage for cards? | Interchange-plus passes through the network cost; a flat rate hides the markup | | Does Billtrust pass Level 2 and Level 3 data? | Line-item data can qualify B2B cards for lower interchange | | What is the ACH fee, and is it capped? | ACH carries most B2B volume, so a cap matters on large payments | | Chargeback, return and monthly fees? | These appear on merchant statements outside the subscription | | Can we surcharge cards, and who manages compliance? | Surcharging moves card cost to the buyer where the law allows it | For a published reference point, Versapay's NetSuite Pay charges 2.9% + 30 cents per card payment and 0.35% + 30 cents per ACH payment, capped at $8. Use it as a benchmark when you read Billtrust's offer. ## What do card fees cost a distributor? At a 2.9% card rate, a distributor that takes $900,000 a month by card pays about $26,100 a month in card fees, or over $313,000 a year. That is five times the top of the reported subscription range. Each half point off the card rate saves $4,500 a month at that volume. | Monthly card volume | Fees at 2.9% | Fees at 2.4% | Yearly saving from 0.5 points | |---|---|---|---| | $250,000 | $7,250 | $6,000 | $15,000 | | $900,000 | $26,100 | $21,600 | $54,000 | | $2,000,000 | $58,000 | $48,000 | $120,000 | Percentage fees only, before per-transaction charges. The 2.9% rate is Versapay's published NetSuite Pay card rate, used as a reference; Billtrust publishes no rate. Your rate depends on card mix, data quality and contract. ## Can distributors surcharge card payments? Yes, where card network rules and state law allow it. Billtrust's distributor page credits surcharging for part of 84 Lumber's savings. InterPayments lists itself as a surcharging provider for Billtrust merchants. Visa caps a US credit card surcharge at 3%, surcharges do not apply to debit cards, and some states restrict them. Ask Billtrust which surcharging setup your contract includes and who carries the compliance work. ## Is Billtrust a fit for distributors? Billtrust lists Distributors as one of its industries and names 84 Lumber, McPherson Oil and Edges Electrical Group as customers in case studies. Billtrust's claims for these customers are "Cutting AR costs by +50%" (84 Lumber), "Collections efficiency unlocks $2M in cash flow" (McPherson Oil) and volumes that quadruple with headcount held flat (Edges Electrical Group). These are vendor case studies, so ask for a reference customer at your size. Billtrust fits a distributor whose contractors and retail buyers want to pay online by card, and whose larger customers want invoices in their AP portals. It fits less well where most customers pay by check or ACH and the invoice count is high, because the subscription grows with invoices. For other tools built for distributors, see [the best AR software for wholesale distribution](/reviews/best-accounts-receivable-software-wholesale-distribution/). ## Which ERPs does the Billtrust price cover? Billtrust says it has "200+ connectors to ERPs, banks, and financial institutions" but names none on its home page. | ERP | Connector type | Who builds it | |---|---|---| | NetSuite | Listed by third parties; not named by Billtrust | Ask Billtrust | | Business Central | Third parties list "Dynamics 365"; edition not stated | Ask Billtrust | | Dynamics 365 Finance | Third parties list "Dynamics 365"; edition not stated | Ask Billtrust | | SAP | Listed by third parties | Ask Billtrust | | Other | Oracle Fusion and Infor listed by third parties | Ask Billtrust | A distributor on a trade ERP such as Epicor Prophet 21 or Infor should ask for the connector by name, who maintains it, and whether it is in the subscription or billed as services. ## What do reviewers say about Billtrust? Billtrust scores 4.7 on Capterra, 4.4 on G2 and 4.3 on Gartner Peer Insights. | Site | Score | Reviews | |---|---|---| | [G2](https://www.g2.com/products/billtrust/reviews) | 4.4 out of 5 | 510 | | [Capterra](https://www.capterra.com/p/139184/Billtrust-Invoice-Management/reviews/) | 4.7 out of 5 | 33 | | [Gartner Peer Insights](https://www.gartner.com/reviews/product/billtrust-unified-ar) | 4.3 out of 5 | 147 ratings | | TrustRadius | No score found | | G2 and Gartner figures come from search results because the pages blocked direct access. The Gartner score is for Billtrust Unified AR. Open each link for the current score. ## Is Billtrust worth the price? Billtrust is worth its price for a mid-market or enterprise supplier that delivers invoices into many AP portals and takes a large share of payments by card. It costs more than it returns for a business with low card volume and simple invoice delivery. Price the subscription, implementation and processing together for three years. A 7% discount on a $40,000 subscription saves $2,800 a year; half a point off the card rate can save more than that every month. ## What are the alternatives to Billtrust? The main Billtrust alternatives are HighRadius, Paidnice, Quadient AR, Tesorio and Versapay. | Tool | Entry price | ERP coverage | Choose it if | |---|---|---|---| | Paidnice | $69 / £49 a month on Essentials for Xero and QuickBooks Online; Custom from $999 a month (£749 in the UK), quoted for your setup | NetSuite (two-way sync, custom fields, OneWorld), Business Central, Sage Intacct and other cloud ERPs on Custom, set up by an implementation specialist | You want collections, payment plans, and late fees posted into the ERP as invoices, at a published starting price | | Versapay | Quote only; $50,000 to $150,000+ a year last reported by ERP Research | NetSuite, Business Central, Dynamics 365 Finance, Sage Intacct (native) | You want a customer payment portal with published NetSuite Pay rates | | HighRadius | Quote only; $50,000 to $150,000+ a year last reported by ERP Research | SAP, Oracle, Microsoft Dynamics, NetSuite named | You run a large shared-services team | | Quadient AR | Quote only; Capterra lists $500 per feature a month | NetSuite (SuiteApp), Sage Intacct, Dynamics, SAP and others | You want an AR portal with payments and cash application | | Tesorio | Quote only ([pricing page](https://www.tesorio.com/pricing)); Vendr median about $17,644 a year | NetSuite, Sage Intacct, Workday | You want collections plus cash forecasting | Paidnice is not listed on SuiteApp.com or AppSource; its ERP connection is a custom implementation. For the full list by revenue band, see [the best Billtrust alternatives](/reviews/best-billtrust-alternatives/), and for Versapay's fees, see [Versapay pricing](/reviews/versapay-pricing/). ## Common questions ### How much does Billtrust cost? Billtrust publishes no price. ERP Research reports buyer figures of $20,000 to $60,000 a year, rising with invoice volume, with payment processing fees on top. ### Does Billtrust charge payment processing fees? Yes. Billtrust processes card and ACH payments, describes itself as a B2B payment facilitator, and charges processing fees under your contract. It publishes no rates, so ask for interchange-plus pricing and every per-transaction fee in writing. ### What is Billtrust payment? Billtrust payment is the payments module of the Billtrust platform. Buyers pay invoices by card or ACH through a supplier's Billtrust portal, and the supplier receives the funds and remittance data for cash application. ### What companies use Billtrust? Billtrust names Saint-Gobain, Staples, United Rentals and FedEx on its home page, and 84 Lumber, McPherson Oil and Edges Electrical Group in distributor case studies. ### Who is the parent company of Billtrust? EQT, the private equity firm, has owned Billtrust since its all-cash deal of about $1.7 billion closed in December 2022, when Billtrust left Nasdaq. ### Who is the CEO of Billtrust? Grant Halloran became Billtrust's CEO in December 2025, succeeding Sunil Rajasekar, according to ROI-NJ. He previously ran Planful. ### Which Billtrust alternatives publish a price? Paidnice publishes its prices: $69 / £49 a month on Essentials for Xero and QuickBooks Online, and Custom from $999 a month (£749 in the UK) for NetSuite and other cloud ERPs. Versapay, HighRadius, Quadient AR and Tesorio quote only. ## Where the figures come from - Billtrust: home page and distributors industry page, checked 27 Oct 2026. - Third-party prices: [ERP Research, Billtrust pricing](https://erpresearch.com/erp-add-ons/ar-collections/billtrust/pricing), [ERP Research, Versapay pricing](https://erpresearch.com/erp-add-ons/ar-collections/versapay/pricing) and [ERP Research, HighRadius pricing](https://erpresearch.com/erp-add-ons/ar-collections/highradius/pricing); Vendr for Tesorio; Capterra for Quadient AR. - Implementation time and discount: G2 Billtrust listing, from search results. - Reference card and ACH rates: Versapay's NetSuite Pay pricing page, checked 27 Oct 2026. - Surcharging: InterPayments' Billtrust partner resources page; Visa's US surcharging rules. - Ownership: [Business Wire, 15 December 2022](https://www.businesswire.com/news/home/20221215006128/en). CEO: ROI-NJ, 3 December 2025. - Ratings: the linked G2, Capterra and Gartner Peer Insights listings. No vendor paid to appear on this page. ## Sources Sources checked by Julie Turnbridge on October 27, 2026: 1. [ERP Research](https://erpresearch.com/erp-add-ons/ar-collections/billtrust/pricing) (erpresearch.com/erp-add-ons/ar-collections/billtrust/pricing) 2. [G2](https://www.g2.com/products/billtrust/reviews) (g2.com/products/billtrust/reviews) 3. [Capterra](https://www.capterra.com/p/139184/Billtrust-Invoice-Management/reviews/) (capterra.com/p/139184/Billtrust-Invoice-Management/reviews) 4. [Gartner Peer Insights](https://www.gartner.com/reviews/product/billtrust-unified-ar) (gartner.com/reviews/product/billtrust-unified-ar) 5. [pricing page](https://www.tesorio.com/pricing) (tesorio.com/pricing) 6. [ERP Research, Versapay pricing](https://erpresearch.com/erp-add-ons/ar-collections/versapay/pricing) (erpresearch.com/erp-add-ons/ar-collections/versapay/pricing) 7. [ERP Research, HighRadius pricing](https://erpresearch.com/erp-add-ons/ar-collections/highradius/pricing) (erpresearch.com/erp-add-ons/ar-collections/highradius/pri...) 8. [Business Wire, 15 December 2022](https://www.businesswire.com/news/home/20221215006128/en) (businesswire.com/news/home/20221215006128/en)