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The Bill.com alternative with faster payments and no monthly fees

The Bill.com alternative with faster payments and no monthly fees

Forwardly is the modern Bill.com alternative built for growing businesses, combining instant payments, same-day ACH, AI bill capture, and full AP and AR automation into one platform that syncs with your accounting or ERP software and scales without charging you more per user. Pay smarter, move money faster, and stay in control.

Forwardly is the modern Bill.com alternative built for growing businesses, combining instant payments, same-day ACH, AI bill capture, and full AP and AR automation into one platform that syncs with your accounting or ERP software and scales without charging you more per user. Pay smarter, move money faster, and stay in control.

Pay From

Pay From

***

***

Delivery Speed

Delivery Speed

Delivery Speed

Delivery Speed

Instant Transfer

Instant Transfer

$

$

Same Day

Same Day

Next Day

Next Day

Standard

Standard

Pay Amount

Pay Amount

$

$

Process Date

Process Date

Mar 22, 2025

Mar 22, 2025

Delivered

Delivered

The modern upgrade from Bill.com

Features

BILL

Forwardly

Monthly subscription fee

$45–$89/month

Standard ACH (3–5 business days)

$0.59

10 free/month, then $0.50 each

Next-day ACH

$11.99 / payment

1% (min $1, max $3)

Same-day ACH

$11.99 / payment

1% (min $1, max $4)

Instant bank transfer

1.0% (min $9.99, max $100)

1% (min $1, max $5)

Card payment

2.9% + fees

2.99% + $0.25

Free trial

30 days

White-glove client migration tool

AR automation

AP automation (bill pay and approvals)

AI bill capture with dedicated bill inbox

Custom approval policies

Higher plans only

ERP support for high-growth businesses

Enterprise only

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

Start free trial

With Forwardly, move money faster or instantly cut your costs

On BILL, moving a $500 payment there faster costs upto $100. On Forwardly, $5 gets it there instantly.

Payment type

Time to deliver

Your cost

Your savings after switching

BILL Subscription

$45–$89/month

Forwardly Subscription

$0.00

$540 to $1,068/year per user

BILL (Instant)

30 minutes

1% ($75 max)

Forwardly (Next-Day ACH)

1 business day

$3.00 max cap

Up to $8.99 per payment

Forwardly (Same-Day ACH)

Same business day

$4.00 max cap

Up to $7.99 per payment

Forwardly (Instant)

60 seconds

$5.00 max cap

Up to $95.00

Team members collaborating around a laptop while setting up financial data synchronization and payment workflows.

All your data synced. Zero manual entry.

All your data synced. Zero manual entry.

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.

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

Switch from Bill.com and save fees in real-time

Switch from Bill.com and save fees in real-time

Leave Bill.com, keep everything else

Your accounting software, your vendors, your workflow, nothing changes. Forwardly just handles payments better, for less.

Forwardly moves money faster, for less

Instant payments, same-day ACH, and next-day ACH, all available without a $11.99 flat fee or a plan upgrade.

Stay easily reconciled

Payments sync back to your accounting software instantly. Your books stay clean without any extra reconciliation work.

Get started

Proof that better payments are possible

Proof that better payments are possible

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!

Catherine P.

Firm owner

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!

Catherine P.

Firm owner

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!

Catherine P.

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.

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

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.

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

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.

Lisa A. Lewis

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.

Jackie Anthony

Founder, AllCents Consulting

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.

Jackie Anthony

Founder, AllCents Consulting

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.

Jackie Anthony

Founder, AllCents Consulting

Forwardly is built for businesses that want to grow, not get charged more for it

Smart, AI-native bill pay

AP done in minutes with an intelligent bill capture and approval process. Capture invoices in real time, simplify multi-level approvals, and reconcile automatically.

Smart, AI-native bill pay

AP done in minutes with an intelligent bill capture and approval process. Capture invoices in real time, simplify multi-level approvals, and reconcile automatically.

90% less time on manual AR tasks

AI-driven automation handles invoice retrieval, payment initiation, reminders, and reconciliation so your team can focus on clients instead of collections.

90% less time on manual AR tasks

AI-driven automation handles invoice retrieval, payment initiation, reminders, and reconciliation so your team can focus on clients instead of collections.

Built for scale, not fixed fees

Add your entire team: controllers, approvers, bookkeepers, with no per-user subscription. Costs scale with your payment volume, not your headcount.

Built for scale, not fixed fees

Add your entire team: controllers, approvers, bookkeepers, with no per-user subscription. Costs scale with your payment volume, not your headcount.

5x faster payments than BILL

Remove the payment delays that slow your team down. Instant transfers, same-day ACH, and next-day options, all in one place.

5x faster payments than BILL

Remove the payment delays that slow your team down. Instant transfers, same-day ACH, and next-day options, all in one place.

The all-in-one payment solution

  • Instant Transfer

    Delivery Speed

    Multiple payment options

    Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.

  • AP Clerk

    Assign a Role

    David Jones

    AP

    Advanced approval workflows with roles and permissions 

    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.

  • 1,000

    Pay amount

    Bill Amount:

    2,300.00

    Flexible payments

    Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.

  • Due: May 20

    John Deo Exports

    Inbox

    11

    Invoice - maplesyrup-632.pdf

    AI-powered bill capture and inbox

    AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.

  • Auto-sync

    Enabled

    Seamless accounting sync

    Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.

  • Payments

    $174k

    $253k

    Total cash flow control

    All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

The all-in-one payment solution

  • Instant Transfer

    Delivery Speed

    Multiple payment options

    Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.

  • AP Clerk

    Assign a Role

    David Jones

    AP

    Advanced approval workflows with roles and permissions 

    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.

  • 1,000

    Pay amount

    Bill Amount:

    2,300.00

    Flexible payments

    Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.

  • Due: May 20

    John Deo Exports

    Inbox

    11

    Invoice - maplesyrup-632.pdf

    AI-powered bill capture and inbox

    AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.

  • Auto-sync

    Enabled

    Seamless accounting sync

    Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.

  • Payments

    $174k

    $253k

    Total cash flow control

    All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

The all-in-one payment solution

  • Instant Transfer

    Delivery Speed

    Multiple payment options

    Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.

  • AP Clerk

    Assign a Role

    David Jones

    AP

    Advanced approval workflows with roles and permissions 

    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.

  • 1,000

    Pay amount

    Bill Amount:

    2,300.00

    Flexible payments

    Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.

  • Due: May 20

    John Deo Exports

    Inbox

    11

    Invoice - maplesyrup-632.pdf

    AI-powered bill capture and inbox

    AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.

  • Auto-sync

    Enabled

    Seamless accounting sync

    Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.

  • Payments

    $174k

    $253k

    Total cash flow control

    All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

Trusted & featured by the best

Join the 10000+ businesses that count on Forwardly

Join the 10000+ businesses that count on Forwardly

Join the 10000+ businesses that count on Forwardly

Frequently asked questions

What is the difference between Forwardly and Bill.com?

Forwardly is a payments-first, AI-powered AP and AR automation platform focused on speed and cash-flow acceleration. Bill.com mainly focuses on accounts payable with scheduled payments. Forwardly supports faster payment options and automation for both paying bills and getting paid.

Is Forwardly a good alternative to Bill.com?

Does Forwardly support both AP and AR?

Does Forwardly charge monthly fees?

Which platform offers faster payments?

Is Forwardly easier to get started with than Bill.com?