The Best Bill Payment Software in 2026
We researched bill payment software using official pricing pages, plan tables, and product documentation. Products are ranked on the category’s core job, value for money, and verified features, helping households and businesses compare dependable options for scheduling, approving, routing, and tracking bill payments.
Our top picks
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Top ranked
ACI Speedpay#1 of 279.0/10An omnichannel bill-payment platform for organizations collecting customer payments.
Pricing on request
-
Runner-up
FIS BillerIQ#2 of 278.2/10A biller-focused platform for organizations managing digital bills and multi-channel payments.
Pricing on request
-
Top-ranked free plan
Plastiq#10 of 276.3/10Plastiq combines card-funded vendor payments, collection tools, approvals, and accounting sync.
Free plan
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The full ranking 27 tools, best first
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Best forMid-market and enterprise billers with multiple channels
An omnichannel bill-payment platform for organizations collecting customer payments.
- Consumer bill portal
- Recurring scheduling
- Autopay support
9.0/10★★★★☆Visit ACI Speedpay -
Best forOrganizations with complex bill-presentment needs
A biller-focused platform for organizations managing digital bills and multi-channel payments.
- Consumer bill portal
- Payment status tracking
- Recurring scheduling
Pricing on request Our FIS BillerIQ verdict → Visit FISFor vendors Sponsor this spot · #2 · $99/mo →8.2/10★★★★☆Visit FIS -
Best forUtilities and enterprises with varied payment workflows
A broad bill-payment platform for utilities, government entities, and insurers.
- Payment approvals
- Consumer bill portal
- Payment status tracking
7.7/10★★★★☆Visit InvoiceCloud -
Best forEnterprises needing integrated payment infrastructure
Integrated bill payment and money movement for mid-market and enterprise service providers.
7.4/10★★★★☆Visit Paymentus -
Best forMid-market and enterprise billers with complex payment needs
Omnichannel billing and payment tools for organizations with recurring or periodic bills.
- Consumer bill portal
- Recurring scheduling
- Autopay support
7.1/10★★★★☆Visit CORE EBPP -
Best forEnterprise billers needing hosted payment operations
Hosted bill payment operations with PayNow, scheduled payments, autopay and reconciliation files.
- Consumer bill portal
- Recurring scheduling
- Autopay support
6.9/10★★★☆☆Visit CSG -
Best forMid-market and enterprise omnichannel billers
A multi-channel payment hub for billers that need guest access, scheduling and real-time posting.
- Payment status tracking
- Recurring scheduling
- Autopay support
6.8/10★★★☆☆Visit KUBRA -
Best forMid-market and enterprise billing teams
Omnichannel billing with recurring payments, a branded portal and reporting.
- Consumer bill portal
- Payment status tracking
- Recurring scheduling
6.6/10★★★☆☆Visit ExpressoPay -
Best forMid-market billers needing flexible payment channels
A cloud payment platform for billers managing digital and cash payment channels.
- Payment approvals
- Consumer bill portal
- Payment status tracking
6.5/10★★★☆☆Visit PayNearMe -
Best forBusinesses paying vendors through cards or bank rails
Plastiq combines card-funded vendor payments, collection tools, approvals, and accounting sync.
6.3/10★★★☆☆Visit Plastiq -
Best forAccounting firms and SMB AP teams
Plooto combines invoice capture, approvals, vendor payments and accounting reconciliation.
- Payment approvals
6.2/10★★★☆☆Visit Plooto -
Best forMid-market finance teams paying suppliers internationally
Pay suppliers by card or bank transfer, with approvals, scheduling and payment tracking.
- Payment approvals
- Payment status tracking
- Recurring scheduling
6.2/10★★★☆☆Visit Billhop -
Best forConsumers wanting simple bill organization and autopay
Organize bills, schedule payments and track delivery through web and mobile apps.
6.0/10★★★☆☆Visit doxo -
Best forBusinesses needing checks plus electronic payments
A web-based payments platform for organizations that need checks and electronic payments.
6.0/10★★★☆☆Visit Zil Money -
Best forSMBs wanting low-cost AP automation
Feature-rich freemium AP suite with AI capture, approvals, and multiple payment rails.
- Payment approvals
6.0/10★★★☆☆Visit Melio -
Best forSmall businesses automating invoice collections
A focused web platform for automating invoice collection and receivables workflows.
- Payment approvals
- Consumer bill portal
- Payment status tracking
6.0/10★★★☆☆Visit Biller Genie -
Best forIndian billers needing interoperable network payments
A shared network for bill collection, multiple payment modes and recurring payments in India.
- Payment status tracking
- Recurring scheduling
- Autopay support
5.9/10★★★☆☆Contact NPCI -
Best forFinancial institutions wanting white-label EBPP
A configurable EBPP platform for institutions that need branded, multi-channel bill payment.
- Payment approvals
- Consumer bill portal
- Recurring scheduling
5.8/10★★★☆☆Contact Alacriti -
Best forFinancial institutions adding bill-pay APIs
An API-led bill-pay suite for institutions integrating payment tools into existing platforms.
- Payment status tracking
- Recurring scheduling
- Autopay support
5.7/10★★★☆☆Contact Fiserv -
Best forUtilities and agencies needing hosted pages and APIs
A hosted bill payment platform with customer portals, AutoPay, and API connections.
- Consumer bill portal
- Recurring scheduling
- Autopay support
5.7/10★★★☆☆Contact Paystar -
Best forSmall businesses collecting recurring ACH or card payments
Branded ACH and card collections with invoicing, AutoPay and partner payouts.
- Payment status tracking
- Recurring scheduling
- Autopay support
5.7/10★★★☆☆Visit ePayPolicy -
Best forSmall businesses receiving electronic bill payments
A free web portal for small businesses to receive bank bill-pay payments electronically.
- Payment approvals
- Payment status tracking
5.5/10★★★☆☆Visit BillGO -
Best forIndividuals managing household bills for free
A free bill manager for Australians, combining reminders, payment options and account tracking.
- Consumer bill portal
- Autopay support
5.5/10★★★☆☆Visit 1Bill -
Best forSmaller billers needing basic customer payment portals
A web portal for bill viewing and flexible payments, sold through a contact-sales process.
- Consumer bill portal
- Recurring scheduling
- Autopay support
5.4/10★★★☆☆Contact Paystation -
Best forBillers needing online and in-person payment options
Hosted bill-payment options for organizations collecting payments across multiple channels.
- Payment status tracking
- Recurring scheduling
- Autopay support
5.3/10★★★☆☆Visit Point & Pay -
Best forSmall teams tracking bills and approvals internally
Shared bill tracking and approvals for teams that record payments manually.
- Payment approvals
- Payment status tracking
5.3/10★★★☆☆Visit attenlo -
Best forSMBs automating invoice approvals and vendor payables
Invoice capture, routed approvals, and vendor payments with accounting synchronization.
- Payment approvals
- Payment status tracking
- Recurring scheduling
5.2/10★★★☆☆Request a demo
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Recurring scheduling | Payment approvals | Payment status tracking | Consumer bill portal | Score |
|---|---|---|---|---|---|---|---|---|
| 1 | ACI Speedpay | No | — | Yes | — | — | Yes | 9.0 |
| 2 | FIS BillerIQ | — | — | Yes | — | Yes | Yes | 8.2 |
| 3 | InvoiceCloud | No | — | Yes | Yes | Yes | Yes | 7.7 |
| 4 | Paymentus | — | — | — | — | — | — | 7.4 |
| 5 | CORE EBPP | — | — | Yes | — | — | Yes | 7.1 |
| 6 | CSG BillPay | — | — | Yes | — | — | Yes | 6.9 |
| 7 | KUBRA EZ-PAY | — | — | Yes | — | Yes | — | 6.8 |
| 8 | ExpressoPay | — | — | Yes | — | Yes | Yes | 6.6 |
| 9 | PayNearMe | — | — | Yes | Yes | Yes | Yes | 6.5 |
| 10 | Plastiq | Yes | — | — | — | — | — | 6.3 |
| 11 | Plooto | No | — | — | Yes | — | — | 6.2 |
| 12 | Billhop | No | — | Yes | Yes | Yes | No | 6.2 |
| 13 | doxo | Yes | — | — | — | — | — | 6.0 |
| 14 | Zil Money | Yes | — | — | — | — | — | 6.0 |
| 15 | Melio | Yes | $25/mo | — | Yes | — | — | 6.0 |
| 16 | Biller Genie | — | $24.95/mo | Yes | Yes | Yes | Yes | 6.0 |
| 17 | Bharat BillPay | — | — | Yes | — | Yes | — | 5.9 |
| 18 | Orbipay EBPP | — | — | Yes | Yes | — | Yes | 5.8 |
| 19 | CheckFree | — | — | Yes | — | Yes | — | 5.7 |
| 20 | Paystar | — | — | Yes | — | — | Yes | 5.7 |
| 21 | ePayPolicy | No | $20/mo | Yes | — | Yes | — | 5.7 |
| 22 | BillGO Exchange | Yes | None | — | Yes | Yes | — | 5.5 |
| 23 | 1Bill | Yes | None | — | No | — | Yes | 5.5 |
| 24 | Paystation EBPP | — | — | Yes | — | — | Yes | 5.4 |
| 25 | Point & Pay | No | — | Yes | — | Yes | — | 5.3 |
| 26 | attenlo | No | — | — | Yes | Yes | No | 5.3 |
| 27 | Velocity Bill Pay | — | — | Yes | Yes | Yes | — | 5.2 |
Head-to-head All 28 comparisons →
- ACI Speedpay vs FIS BillerIQ
- ACI Speedpay vs InvoiceCloud
- ACI Speedpay vs Paymentus
- ACI Speedpay vs CORE EBPP
- ACI Speedpay vs CSG BillPay
- ACI Speedpay vs KUBRA EZ-PAY
- ACI Speedpay vs ExpressoPay
- FIS BillerIQ vs InvoiceCloud
- FIS BillerIQ vs Paymentus
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How we rank bill payment software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Last updated · How we research and update