Digital & online billpay platforms help small businesses receive, approve, schedule, and pay vendor bills through a centralized accounts payable workflow. These systems typically capture invoice data, route bills for approval, prevent duplicate payments, and support ACH, checks, cards, wires, or international transfers. Many also integrate with accounting software, synchronize payment status, and maintain an audit trail for each transaction.

Some products are built for small businesses seeking simple online payments, while others offer procurement controls, multi-entity management, and enterprise-grade automation. This list focuses on providers whose primary function is helping small-to-medium businesses (SMB/SME) manage outgoing payments.

Unlike other fintech dominated by young companies, 5 of the 14 providers are at least 15 years old. And none started in the past 7 years.

Year founded: 2000 to 2010 >>> 5   |   2011 to 2015 >>> 6   |   2016 to 2018 >>> 3    |   2019 or later >>> 0

We divided the payment providers into five categories:

  1. Bill payments specialists (below)
  2. Invoice management providers (here)
  3. Charge card & expense management (here)
  4. Payment processors (here)
  5. Subscription management platforms (here)

 

Resources: Looking for digital banks, lenders, payment providers, insurance or digital accounting for small businesses? Check out our latest lists: Small Business (SMB) savings/treasury accounts (7) | SMB online lenders (33) | SMB challenger banks (15) | SMB insurers (15) | SMB credit cards/expense management (16) | Billpay & invoicing (16)| Payment processors (7) | SMB digital accounting/bookkeeping (21) | Cloud Payroll Providers (20)

The FAB Score (Fintech Attention Barometer) is a proxy for the size and growth of fintech companies founded since 1999. 

Top U.S. BillPay & Invoicing Startups (ranked by FAB score***)

Rank Company FAB Score Review Founded HQ Total Funding ($M) Visits (June'26)
* Quickbooks (Intuit) NA 20 Jul 26 1983 SF 14,200,000
1 Rippling Spend 2991 20 Jul 26 2016 SF $2,437 10,100,000
2 Airwallex 1744 20 Jul 26 2015 Singapore 1852 5,700,000
3 Bill 1674 20 Jul 26 2006 SF 1500 5,200,000
4 AvidExchange 711 20 Jul 26 2000 Charlotte, NC 2200 96,000
5 Tipalti 471 20 Jul 26 2010 SF 915 1,100,000
6 Melio 258 20 Jul 26 2018 NYC 654 540,000
7 Tradeshift 218 20 Jul 26 2009 SF 1100 210,000
8 Emburse (ChromeRiver≥) 104 20 Jul 26 2014 LA 0.1 520,000
9 Stampli 103 20 Jul 26 2015 SF 147 300,000
10 Plastiq 55 20 Jul 26 2012 SF 153 180,000
11 Plooto 44 20 Jul 26 2015 Toronto 26 200,000
12 Onlinecheckwriter 37 20 Jul 26 2008 SF 2.7 220,000
13 Routable 12 20 Jul 26 2017 Seattle 47 19,000
14 Beanworks 8 20 Jul 26 2012 Vancouver 12 45,000

Source: FintechLabs, 20 July 2026 with data from Crunchbase, SimilarWeb, SEMrush, Pitchbook, Linkedin
Note: Social data from Aug 2025

* Sponsor
**Funding is the amount invested into the company as either equity or debt; or exit price if higher
***As nerds do, we are developing a proprietary score measuring the adoption of digital financial services at private companies that do not release traditional metrics (# customers, deposits, AUM, etc). We call it the FAB score, standing for Fintech Attention Barometer. The score uses money raised, valuation and website traffic as a proxy for company size and velocity of growth. It’s a work in progress, so expect changes down the road.

Disclosure: We may receive referrals from company's listed. If it changes their ranking, we indicate that with an “*”

Challenger Billpay Suppliers in the United States

Sponsor: Quickbooks Bill Pay (Intuit)
– HQ: Mountain View, CA
– Founded: 1983

Traction:
– Website visits (June 2026)
>>> Quickbooks: 13.6 million (SimilarWeb)
>>> Intuit: 107 million (SimilarWeb)

1. Rippling Spend
FAB Score = 2,990 (up 140 since June 2026)
– HQ: San Francisco
– Founded: 2009

Traction:
– Raised $2.4B  including $450M in May 2025, $790M in 2024, $500M in 2023 (Crunchbase)
– Website visits (June 2026): 10.1M (SimilarWeb)
– Employees (Pitchbook): 6,480 vs. 3,630 in July '25

Social:
– LinkedIn:  306,000 followers (6,040 employees vs. 5,540 in July '25)
– iOS rating: 4.7 (6,200 reviews vs. 4,500 in July '25)
– Trustpilot: 4.6 (1,570 reviews vs 1,240 in July '25)
– G2: 4.8 (10,030 reviews vs. 7,960 in July '25)

2. Airwallex
FAB Score = 1,740 (up 180)
– HQ: Singapore
– Founded: 2015

Traction:
– Raised: $1.9B including $320M in June 2026; $630M in 2o25; $100M in 2022 (Crunchbase)
– Website visits (June 2026): 5.7 million (SimilarWeb)
– Employees: 2,200 vs. 1,700 in Aug '25, 1,600 in Jan '25 (Pitchbook)

Social:
– LinkedIn: 124,000 followers (2,000 employees vs. 1,760 in July; 1,610 employees in Jan '25; 1,370 in Sep '24)

3. Bill (see also #20 Invoice2Go)
FAB Score = 1,670 (up 60)
– HQ: San Francisco Bay Area
– Founded: 2006

Traction:
– Raised $1.5 billion including $216M in its Dec 2019 IPO (Crunchbase)
– Annual revenue (TTM): $1.6B (Yahoo)
– Market Cap: $4.1B (NYSE: BILL 15 May '26)
– Website visits (June 2026): 5.2 million (SimilarWeb)
– Employees: 3,360 vs 3,000 in Aug '25; 2,190 Jan to July '25; vs 2,620 Jan '24; 2,370 in Aug '23 (Pitchbook)

Social:
– LinkedIn: 68,000 followers (3,340 vs 3,320 in July; 3,180 in Jan '25; 2,990 in Sep '24; 2,930 in Jan '24; 2,950 in Aug '23)
– iOS rating: 4.9 (48,700 unchanged since July; 47,300 in Jan)
– Capterra: 4.2 (550 reviews vs. 541in July; 528 in Jan)

4. AvidXchange (acquired by TPG, May 2025)
FAB Score = 711 
– HQ: Charlotte, NC
– Founded: 2000

Traction:
– Raised: $1.1B including $660M in 2021 (Crunchbase)
– Valuation: Acquired for $2.2B in May 2025
– Annual revenue: Revenues $440M (2024) (Yahoo)
– Website visits (June 2026): 96,000 (SimilarWeb)
– Employees: 1,765 vs. 1,759 in Aug '25; was 1,600 July '25 to Nov '22 (Pitchbook)

Social:
– LinkedIn:  55,000 followers (1,780 employees vs. 1,760 in July '25; 1,730 in Jan '25; 1,710 in Sep '24; 1,640 in Jan '24 & Aug '23; 1,540 in April '23)
– G2 review:  4.4 (287 reviews vs. 266 reviews in July; 262 in Jan '25)

5. Tipalti
FAB Score = 471 (unchanged)
– HQ: San Francisco
– Founded: 2010

Traction:
– Raised $915M including $200M (debt) in 2025; $150M (debt) in May 2023 & $270M in 2021 (Crunchbase)
– Valuation: $8.3B (based on Dec 2021 round)
– Website visits (June 2026): 1.1 million (SimilarWeb)
– Employees: 1,351 unchanged since Aug. '25; was 1,355 in July '25; 1,310 in Jan '25; 1,240 in Sep '24; 1,050 in Jan '24; 1,110 in Aug '23; up 1,126 April '23 (Pitchbook)

Social:
– LinkedIn:  57,000 followers (1,310 employees vs. 1,350 in July; 1,320 in Jan '24; 1,280 in Sep '24; 1,110 in Jan '24; 1,030 in Aug. '23; up 1.010 in April '23)
– G2 rating: 4.5 (334 reviews, up 128 since Jan)

6. Melio
FAB Score = 258 (up 2)
– HQ: NYC
– Founded: 2018

Traction:
– Raised $654M including $150M in 2024, $360M in 2021 (Crunchbase)
– Website visits (June 2026): 540,000 (SimilarWeb)
– Employees: 686 vs. 669 in Aug '25 , vs 642 in July; 625 in Jan '25; 618 in Sep '24; 632 in Jan '24; 602 in Aug '23; 597 in April '23 (Pitchbook)

Social:
– LinkedIn: 35,000 followers (684 employees vs. 656 in July; 625 in Jan '25; 614 in Sep '24; 646 in Jan '24; 644 in Aug '23; 597 in April '23)
– Capterra rating: 4.2 (396 reviews vs. 391 in July; 383 Jan '25)

7. Tradeshift
FAB Score = 218 (down 105)
– HQ: SF
– Founded: 2009

Traction:
– Raised $1.1B (Crunchbase) including $70M in 2023
– Website visits (June 2026): 210,000 (SimilarWeb)
– Employees: 501 unchanged from Aug '25 (Pitchbook)

Social:
– LinkedIn: 73,000 followers (381 employees)
– G2 rating: 3.8 (212 reviews)

8. Emburse (acquired by Chrome River in 2019; Chrome River merged with Certify in 2019)
FAB Score = 104 (up 1)
Founded: 2014
HQ: LA

Traction:
Funding: $7.5 million (Crunchbase)
Website visits (June 2026): 520,000 (SimilarWeb)
Employees: 869 unchanged since Aug. '25; was 840 in July '25; 1,000 Jan '25 through Aug '23 (Pitchbook)

Social:
LinkedIn: 50,000 followers (865 employees vs. 851 in July; 808 in Jan '25; 852 in Sep '24; 946 in Jan. '24; 952 in August '23)

9. Stampli
FAB Score = 103 (up 4)
– HQ: San Francisco Bay Area (Mountain View)
– Founded: 2015

Traction:
– Raised $146M including $61M in 2023 and $50M in 2021 (Crunchbase)
– Website visits (June 2026): 300,000 (SimilarWeb)
– Employees: 302 vs 315 in Aug '25; was 308 in July; 307 in Jan '25; 300 Sep '24; 265 in Jan. '24; 217 in Aug '23; 214 in Nov '22 (Pitchbook)

Social:
– LinkedIn: 10,000 followers (301 employees vs. 313 in July; 312 in Jan '25; 297 in Sep '24; 275 in Jan '24; 245 in Aug '23; 220 in April '23)
– G2 rating: 4.6 (1,620 reviews vs. 1,480 in July; 1,370 Jan '25)

10. Plastiq (acquired by Priority, Aug 2023 for $37M)
Fab score = 55 (unchanged)
– Founded: 2012
– HQ: San Francisco

Traction:
– Raised: $153 million including $75M in 2020 (Crunchbase)
– Website visits (June 2026): 180,000 (SimilarWeb)
– Employees: 103 unchanged since Aug '23; was 163 in April '23 (Pitchbook)

Social:
– LinkedIn: 7,000 followers (54 employees vs. 55 in July; 58 in Jan '25; 61 in Sep '24; 82 in Jan '24; 102 in Aug '23; 133 in April '23)
– Trustpilot: 2.4 (957 reviews vs. 953 in July; 952 Jan '25)

11. Plooto
FAB Score = 55 (up 3)
– HQ: Toronto
– Founded: 2015

Traction:
– Raised $26M including $20M in 2022 (Crunchbase)
– Website visits (June 2026): 200,000 (SimilarWeb)
– Employees: 111 unchanged since Aug '25; was 130 July '25 – Sep '24 (Pitchbook)

Social:
– LinkedIn: 9,000 followers (110 employees vs. 108 in July; 116 in Jan '25; 117 in Sep '24)

12. Online Check Writer (ZilMoney)
FAB score = 37 (up 6)
– Founded: 2008
– HQ: San Francisco

Traction:
– Raised: $2.7M prior to 2020 (Crunchbase)
– Website visits (June 2026): 220,000 (SimilarWeb)
– Employees: 200 vs. 138 in Aug. '25;  was 137 in July; 134 in Jan '25; 133 in Sep '24 & Jan '24; 132 in Aug '23 (Pitchbook)

Social:
– LinkedIn: 32,000 followers (138 employees vs. 139 in July '25; 136 in Jan '25; 134 in Sep '24; 130 in Jan. '24; 127 in Aug '23; 113 in April '23)
– Trustpilot: 4.0(1,630 reviews vs. 1,640 reviews in July; 1,620 Jan '25)

13. Routable
FAB Score = 12 (down 2)
– HQ: Seattle
– Founded: 2017

Traction:
– Raised $46.5M including $30M in 2021 (Crunchbase)
– Website visits (June 2026): 19,000 (SimilarWeb)
– Employees: 72 vs. 81 from Aug to Jan '25; was 100 in Sep '24; 119 in Jan '24; 129 in Aug '23 (Pitchbook)

Social:
– LinkedIn: 11,000 followers (77 employees vs. 80 employees in July to Jan '25; 85 in Sep '24; 110 in Jan '24; 118 in Aug '23; 134 in April '23)
– FeaturedCustomers rating: 4.8 (1,010 reviews; vs. 880 in July; 763 Jan '25)

14. Beanworks (acquired by Quadient, March 2021)
FAB Score = 8 (down 1)
– Founded: 2012
– HQ: Vancouver, Canada

Traction:
– Funding: $12.3M in 2017 and 2018 (Crunchbase)
– Website visits (June 2026): 45,000 (SimilarWeb)
– Employees: 140, unchanged since Aug '25; was 90 July '25 to Aug '23 (Pitchbook)

Social:
– LinkedIn: 10,000 followers (98 employees vs. 109 in July to Jan '25; 115 in Sep '24; 129 in Jan '24; 133 in Aug '23)

 

Only accessible through partner banks:

Autobooks
FAB Score = 64 (up 2)
– Founded: 2015
– HQ: Detroit, Michigan

Traction:
– Raised: $153M including $55M in May 2025, $25M in 2021, & $50M in 2022 (Crunchbase)
– Website visits (June 2026): 110,000 (SimilarWeb)
– Employees: 101 vs. 100 in Aug '25; was 86 July – Jan '25; vs. 92 in Jan '24 & Aug '23; 141 in April '23 (Pitchbook)

Social:
– LinkedIn: 6,000 (100 employees vs. 86 in July '25 and Jan '25; 85 in Sep '24; 91 in Jan '24; 92 in Aug '23; 99 in April '23)
– FeaturedCustomers: 4.8 (979 reviews, up 79 since Jan)