Top SETTLE Alternatives

Payoneer

Payoneer

payoneer.com

Payoneer is the financial technology company empowering the world’s small and medium-sized businesses to transact, do business, and grow globally. Payoneer was founded in 2005 with the belief that talent is equally distributed, but opportunity is not. It is our mission to enable any entrepreneur and business anywhere to participate and succeed in an increasingly digital global economy. Since our founding, we have built a global financial stack that removes barriers and simplifies cross-border commerce. We make it easier for millions of SMBs, particularly in emerging markets, to connect to the global economy, pay and get paid, manage their funds across multiple currencies, and grow their businesses.

Qonto

Qonto

qonto.com

With an innovative product, highly responsive 7/7 customer service and clear pricing, Qonto has become the European leader in its category. Get started with a powerful Business Account for all your everyday banking needs. - Local IBANs (🇫🇷 French IBAN / 🇩🇪 German IBAN/ 🇮🇹 Italian IBAN / 🇪🇸 Spanish IBAN) - Payment cards: spend up to €200,000/month. No hidden costs. Pay online, in-store, and abroad, whatever the situation, our range of free and premium corporate cards included in your subscription has got you covered. - Transfers: flexible payment methods - from Instant SEPA to SWIFT - so you can pay, and get paid, faster. - Transactions: unlimited history and real-time notifications. - Financing: easy access to integrated financing options. Then, leverage our Financial tools to keep track of your money and help you grow your business. - Invoice management: centralize invoices & receipts in one place, get paid faster & automate your outgoing payments. - Spend management: control team spending with budgets, automatic receipt collection & tailored access. - Bookkeeping: collaborate seamlessly with your accountant, connecting to our suite of tools, and get a full, real-time cash flow overview.

Bill.com

Bill.com

bill.com

Bill.com is a provider of cloud-based software that automates back-office financial operations for small and midsize businesses. The Bill.com platform connects businesses with their suppliers and clients to help them manage their cash inflows and outflows. Top competitors include Tipalti and YayPay. Bill.com partners with the largest U.S. financial institutions, over 70% of the top 100 U.S. accounting firms, leading accounting software packages including Oracle NetSuite, Sage Intacct., QuickBooks and Xero, and is the preferred provider of digital payments solutions for CPA.com, the technology subsidiary of the American Institute of CPAs (AICPA).A white-labeled, end-to-end payments automation platform, Bill.com Connect is offered to financial institutions as part of their single sign-on online business banking ecosystem. Current customers include JPMorgan Chase Commercial Bank, Wells Fargo ,Commerce Bank, and First National Bank of Omaha. Bank of America and PNC also use Bill.com as part of their payments technology offerings. As of 2019, the company has offices in San Jose, California and Houston, Texas.

Ramp

Ramp

ramp.com

Ramp is the ultimate platform for modern finance teams. From corporate cards and expense management software, to bill payments and vendor management, Ramp is the all-in-one solution designed to automate finance operations and build healthier businesses. Over 25,000 businesses—including Shopify, Zola, Opendoor, and Glossier—have switched to Ramp to save an average 5% more and close their books 8x faster.

Pyrus

Pyrus

pyrus.com

Pyrus redefines collaborative work. It makes your work day smarter by automating your tedious yet essential business processes. You can set up customized workflows with just a few clicks, such as automatically requesting approvals, routing business forms or simply delegating routine tasks to several employees. It's easy to implement, it saves both you and your colleagues' time and lets you get back to actually getting work done.

LivePlan

LivePlan

liveplan.com

LivePlan simplifies business planning, budgeting, forecasting, and performance tracking for small businesses and startups. Become a more confident business owner and strategically manage your business from day one and onward with LivePlan. LivePlan works for any business, at any stage. Whether you're looking to get your business plan or pitch together for funding, or you're currently a business owner looking to build a forecast as a roadmap for your future - LivePlan can help you plan, fund, and grow your business with ease. With step-by-step instructions, expert guidance, tutorials, webinars, and over 500+ sample business plans - creating a professional business plan has never been easier. No need for complex spreadsheets or number crunching. LivePlan's automated financials with built-in formulas means your projections and financials are razor accurate. Share a quick one-page pitch of your business model with lenders, investors, and internal teams - keeping everyone on the same page, without having to share your full business plan document. Budgets and sales forecasts are a critical element to business success. Bring these numbers to life with LivePlan's performance dashboard. These dashboards simplify your performance and creates impressive charts and graphs automatically. Sync QuickBooks or Xero with LivePlan to pull in your actual accounting data. Use this data as the foundation for your projections, budgets, and see how your current performance compares to your forecasted plan.

Melio

Melio

meliopayments.com

Melio is a free vendor/bill payment tool that maximizes cash flow and minimizes busywork. Pay vendor bills using bank transfer or debit card for free even if they only accept checks! You can also use your credit card where cards are not accepted to hold onto your cash longer and earn card rewards! Accounts Payable re-invented. Melio automatically syncs with your QuickBooks and even mails checks on your behalf to vendors so you don't need to cut checks anymore.

Airwallex

Airwallex

airwallex.com

Airwallex's cloud-native platform has been engineered to take the friction out of your global payments and financial operations. Whether you're a global business looking to save time and money as you scale, or a forward-thinking enterprise that's ready to build your own financial products, Airwallex's leading technology can support your growth. Unlike legacy banking, Airwallex gives you the speed, simplicity, and savings to seamlessly operate your business across borders. Manage everything from online payments, treasury and FX, to spend management - all via one secure Business Account that can be accessed via desktop or mobile. If you’re looking for a more customizable and programmatic solution to manage and move money, you can integrate directly with our Core API. And if you’re a platform or marketplace that’s looking to generate new lines of revenue by offering your own financial products, you can tap into our powerful Embedded Finance solutions.

Coupa

Coupa

coupa.com

Coupa Software is a global technology platform for Business Spend Management (BSM). The company is headquartered in San Mateo, California with offices throughout Europe, Latin America, and Asia Pacific. The company helps large companies gain visibility into, and control over, the money and resources spent within their organizations. Responsible for pioneering the Business Spend Management category, their main competitors in this arena include Tradeshift, Ariba, Tipalti and Ivalua, Inc. The company was founded in 2006 by Dave Stephens and Noah Eisner. Stephens and Eisner previously worked at Oracle (enterprise procurement applications). Rob Bernshteyn joined Coupa as CEO in February 2009 after serving as Vice President of Global Product Marketing and Management at SuccessFactors, Inc. Former Yahoo CEO and PayPal president Scott Thompson joined the company's board of directors in April 2013.

Tipalti

Tipalti

tipalti.com

The only solution to automate your end-to-end payables process. Automate your full accounts payable, global partner payments, and procurement processes with Tipalti and eliminate 80% of your manual workload. Tiplati enables you to easily onboard suppliers, partners, and freelancers, streamline PO generation, accelerate approvals, eliminate invoice entries, and make fast global payments to 196 countries in local currency. Also includes global tax compliance, 2 & 3-way PO matching, multi-entity support, OCR invoice scanning, employee expenses, physical and virtual cards Enjoy instant reconciliation with ERP integrations that include NetSuite, Quickbooks, Xero and Sage Intacct. We do all this while maintaining 98% customer satisfaction and working with some of the world's fastest-growing companies like Amazon Twitch, ClassPass, GoPro, GoDaddy, Twitter, Roblox, and Zola.

Nanonets

Nanonets

nanonets.com

Nanonets is an AI-based intelligent document processing service that specializes in Optical Character Recognition (OCR) technology. By utilizing self-learning algorithms, Nanonets is able to automate data capture from a variety of documents such as invoices, receipts, passports, ID cards and more. The AI-based OCR technology is able to recognize and extract data from documents of any format and size, no matter how complex. In addition, Nanonets offers a variety of solutions to help customers streamline their document processing workflow such as AP Automation, Touchless Invoice Processing, Email Parsing, and ERP Integrations.Nanonets is also equipped with a range of free OCR converters that can be used to convert PDFs to Excel, CSV, JSON, XML, and Text. Furthermore, the service also provides a Web Scraper, Image to Excel, and Image to Text tool.Nanonets has been trusted by over 10,000 customers around the world and has been rated highly on G2 Crowd, Capterra, and GetApp. The service has helped customers save time and money by automating manual data entry. Examples of successful use cases include Maryland-based Remediation Contractor who saved 90% time for their accounts payable team with Nanonets' Invoice Extraction, Expatrio Global Services GMBH who achieved 95% reduction in time for manual data entry with Nanonets' OCR, and In2 Project Management who helped a Water Supply Corporation save 700,000 AUD with Nanonets' AI.Ready to get started? Nanonets provides ready to use solutions for most common document types such as invoices, receipts, ID cards, menu cards, resumes, forms, and meter readings. Customers can create and set up their own custom model in a few clicks. Customers can also book a free 30 minute consultation with the Nanonets experts to get a customized

Spendesk

Spendesk

spendesk.com

Spendesk is the complete spend management platform that gives 100% visibility into company spend. With Spendesk, you get a 7-in-1 solution with corporate cards, invoice payments, expense reimbursements, budgets, approval, reporting, compliance, and pre-accounting in one simple, scalable solution. Trusted by thousands of businesses from start-ups to established brands, Spendesk is designed to save time and money across the entire spending process with 100% visibility, built-in automation, and an easily adopted approval process. Ultimately businesses that use Spendesk empower every employee to be accountable for the financial fitness of the company.

ApprovalMax

ApprovalMax

approvalmax.com

ApprovalMax is an award-winning B2B software platform used by businesses around the world to build robust financial controls. It streamlines the approval process by allowing users to create automated workflows to approve bills and invoices. ApprovalMax integrates with platforms such as Xero, QuickBooks Online, and NetSuite to unlock powerful efficiencies for accounts payable and accounts receivable functions in any finance team.

Yooz

Yooz

getyooz.com

Yooz provides the smartest, most powerful, and easiest-to-use cloud-based E-invoicing and Purchase-to-Pay (P2P) automation solution. It delivers unmatched savings, speed, and security with affordable zero-risk subscriptions to more than 5,000 customers and 300,000 users worldwide. Yooz’s unique solution leverages Artificial Intelligence and RPA technologies to deliver an amazing level of automation with extreme simplicity, traceability, and end-to-end customizable features. It integrates E-invoicing and AP Automation into information systems or ERPs with more than 250 native connectors, exceeding any other solution on the market.

Zip

Zip

ziphq.com

Zip is the world’s leading intake and procurement orchestration platform. Providing an intuitive starting point for any employee to initiate a purchase or vendor request, Zip helps businesses gain clear and timely visibility across all business spend and consolidates all the steps and tools used across finance and procurement processes in one platform.

Agicap

Agicap

agicap.com

Agicap is the market leader in SaaS solutions for corporate cash flow management. Agicap is providing cutting-edge solutions to streamline Financial Management processes. Our Financial Management platform helps businesses gain comprehensive financial insights, manage cash and liabilities, and drive business growth. Agicap delivers value at every level of the company (CEOs, CFOs, their teams), turning cash into a lever for growth and profit. Our all-in-one modular platform meets most cash challenges. It relies on several complementary and interconnected solutions: - Banking & ERP connectivity - Daily Cash Management - Liquidity planning - Business Spend Management - Cash Collection - Reporting & analytics Since 2016, +7,000 customers in over 5 countries trust us.

Celonis

Celonis

celonis.cloud

Since 2011, Celonis has helped thousands of the world’s largest and most esteemed companies yield immediate cash impact, radically improve customer experience, and reduce carbon emissions. Its Process Intelligence platform uses industry-leading process mining technology and AI to present companies with a living digital twin of their end-to-end processes. For the first time, everyone in an organization has a common language for how the business runs, visibility into where value is hiding, and the ability to capture it. Celonis is headquartered in Munich, Germany and New York City, USA with more than 20 offices worldwide. Find out more at celonis.com

Lightyear

Lightyear

lightyear.cloud

Lightyear is an industry-leading cloud platform providing intelligent automation solutions for large SMEs & Enterprise Purchasing & Accounts Payables processes. Our end-to-end approvals workflows allow purchase orders & bills to be approved in seconds, saving businesses more than 80% of their costs and time. Lightyear's instant data extraction feature, LExA enables businesses to get a real-time overview of their payables data & our business intelligence feature allows them to make smarter & better-informed cashflow & forecasting decisions. Lightyear provides a reliable, secure, stress-free automation solution that eliminates human error, so businesses can confidently move forward with their business goals. With unbeatable technical support, Partnership Programs & referral schemes, plus our 30-day free trial, you can be sure of a smooth transition into automated success!

Runway Financial

Runway Financial

runway.com

Runway is the modern and intuitive way to model, plan, and align your business for everyone on your team. High-growth companies, including Superhuman, AngelList, and 818 Tequila trust Runway to manage their financial operations and drive strategic decision-making with confidence.

Sage Intacct

Sage Intacct

intacct.com

Sage Intacct is the flexible and scalable financial platform that delivers deep accounting capabilities to thousands of businesses across the world. Sage Intacct delivers an array of core accounting applications such as a general ledger, accounts payable, accounts receivable, cash management, and order management to any accounting department or finance team. It also supports functionality for built-in dashboards, real time reporting, time and expense management, project accounting, revenue management, and global consolidations for multiple entities. The software can be used in a wide variety of industries as a horizontal accounting system, but also delivers specialized features for the following industries: Nonprofit, Software and SaaS, Professional Services, Financial Services, Healthcare, Hospitality, Wholesale Distribution, Construction and Real Estate.

Fiskl

Fiskl

fiskl.com

Discover Fiskl: The All-In-One AI-Powered Finance Management and Accounting App for Small Businesses Managing your small business finances doesn't have to be painful and time-consuming. Fiskl makes it easy with a comprehensive suite of accounting, invoicing, reporting, and financial tools tailored for entrepreneurs' needs. Trusted by over 170,000 SMEs globally, Fiskl provides award-winning financial management accessible anywhere via mobile. Key features include: 🔹 Full Accounting Capabilities: Fiskl delivers complete double-entry accounting covering invoicing, bank/credit card connections, expense tracking, reconciliation, financial statements, and more. 🔹 AI-Powered Automation: Our proprietary auto-categorization engine uses AI to automatically categorize transactions, match transfers, and reconcile accounts, saving hours of manual work. 🔹 Mobile Apps: Our iOS and Android apps enable managing finances on the go with full accounting on mobile - a must for today's businesses. 🔹 Multi-Currency: Advanced multi-currency support across 168 currencies with automated reconciliation of foreign transactions. 🔹 Global Tax Handling: Built-in tax compliance for 100+ countries with automated VAT calculations and reporting. 🔹 Multi-Language Invoicing: Create professional invoices in over 60 languages to smoothly communicate with international clients. 🔹 Extensive Payment Options: Fiskl integrates with leading payment gateways like Stripe, PayPal, Apple Pay, and many more. 🔹 Bank Feeds & Sync: Automatically import transactions from over 21,000 banks globally into accounting via bank feeds and our syncing engine. 🔹 Custom Reporting: Build fully customizable financial statements with drag-and-drop simplicity to track KPIs for your business. 🔹 Collaboration: Client portals allow sharing invoices and accounting visibility with your customers and accountant. 🔹 API & Integrations: Fiskl APIs enable connecting other tools like POS systems, e-commerce platforms, and CRMs. 🔹 Suitable for Any Industry: Users range from freelancers to retail stores to agencies - Fiskl caters to all types of small businesses. With Fiskl's automation, mobile access, seamless global coverage, and intuitive design, you can say goodbye to accounting hassles. Instead of juggling spreadsheets, enjoy insightful financial overviews in minutes via desktop or mobile. Join the thousands of entrepreneurs who have made the switch to Fiskl. Sign up today and take control of your business finances!

Caflou

Caflou

caflou.com

CAFLOU lets you drive your company, projects and team performance and economy. 100% digitally. CAFLOU is easy to use online Project Management Software ideal for marketers, agencies or IT. Manage projects, team or the whole company in 1 system. Manage budgets, profitability and cash flow of projects. Keep track of deadlines, outputs, responsibilities. Organize your team, watch utilization, plan capacity. Be effective.

Stampli

Stampli

stampli.com

Stampli is for Accounts Payable teams that want the efficiency of automation, but don’t want to rework their ERP or change their existing AP processes. Unlike other solutions, Stampli provides full support for the full range of native functionality for more than 70 ERPs — enabling us to deploy in a matter of weeks, not months, with no disruption to your business. Stampli brings all of your AP-related communication, documentation, and workflows into one place for complete visibility and control. It’s simple for users to learn and even simpler to use, especially with Billy the Bot™ automating nearly all of your capture, coding, routing, fraud detection, and other manual tasks. For even greater efficiency, Stampli’s core AP solution is complemented by a suite of integrated products that include Direct Pay, Credit Cards, Advanced Vendor Management, and others. Stampli provides complete visibility and control over your entire AP program. It reduces the risk of errors, fraud, and compliance issues while improving vendor relationships and making your AP processes much more efficient.

Invoiced

Invoiced

invoiced.com

Invoiced is a powerful and user-friendly accounts receivable platform designed to help businesses streamline billing, enhance cash flow, and elevate customer satisfaction. This software solution caters to organizations looking to optimize their financial operations by automating their A/R. Targeted primarily at medium to enterprise-sized businesses, Invoiced offers tools that simplify complex financial processes. The platform is particularly beneficial for companies that manage a high volume of transactions or have recurring billing needs. Invoiced allows businesses to maintain a professional appearance while reducing the time spent on manual invoicing tasks by providing features such as customizable invoice templates and automated billing. This efficiency saves time and minimizes the risk of human error, which can lead to payment delays. One of Invoiced's standout features is its integrated payment processing capabilities. This allows users to accept payments directly through invoices, streamlining the payment collection process. Additionally, the platform includes robust payment tracking and account reconciliation tools, which help businesses monitor their cash flow in real-time. By offering subscription management, Invoiced also caters to companies with recurring revenue models, enabling them to manage customer subscriptions effortlessly. Invoiced has gained the trust of thousands of customers globally, processing billions in receivables. Its reputation as a leader in accounts receivable automation is further solidified by recognition from industry platforms such as G2, where it is acknowledged as a category leader in various financial management areas. The platform's ability to enhance cash flow management and improve credit and collections processes makes it a valuable asset for businesses aiming to elevate their financial operations. Overall, Invoiced stands out in its category by providing a comprehensive solution that simplifies invoicing and enhances overall financial management. Its user-friendly interface and powerful automation features position it as an essential tool for businesses looking to improve efficiency and customer satisfaction in their billing processes.

Vic.ai

Vic.ai

vic.ai

Vic.ai is an AI software designed to streamline accounting and accounts payable operations. Its chief features include autonomous invoice processing, which utilizes AI to take accounts payable processing to the next level, contributing to a substantial increase in productivity. The software also features approval flows and purchase order (PO) matching, which enhances efficiency by detecting discrepancies across multi-line invoices and POs. Vic.ai also offers payments functionality that can turn accounts payable departments into profit centers, offering time savings, the potential for discounts, and reduced fraud risk. The software offers ERP integrations, allowing for ingestion of master data and other information from any ERP system via an open API and common data models. This gives finance leaders the flexibility to integrate Vic.ai into their existing workflows. Vic.ai is equipped with processing insights, providing real-time analytical insights on accounts payable processes, business trends, and team performance, thereby enabling informed decision-making. It appeals to both enterprise and mid-market businesses across a variety of industries including business, insurance, hospitality, real estate, and education. This adaptability speaks to the tools versatility.

Finmark

Finmark

finmark.com

Finmark is financial planning software for startups. Create and share financial plans, manage burn rate, and forecast revenue and expenses—without spreadsheets.

Dokka

Dokka

dokka.com

DOKKA is the leading accounting automation platform that transforms traditional finance teams into streamlined, AI-powered powerhouses. By significantly reducing time spent on repetitive tasks, DOKKA empowers over 3,500 companies—including NASDAQ-listed enterprises—to achieve unmatched precision and efficiency in their accounting operations. Its cutting-edge platform features two core modules: Accounts Payable (AP) Automation and Financial Close Automation. With AP Automation, DOKKA reduces accounts payable processing time by up to 80%, allowing you to handle vendor invoices in as little as 10 seconds through automated processing, PO-matching and approval workflows, setting a new standard for speed and accuracy. DOKKA’s Financial Close Automation module shortens your financial close cycle by days, centralizing data, automating reconciliation, and streamlining journal entries, consolidation, and reporting. This accelerates closings while ensuring enhanced quality, transparency, and compliance at every step. DOKKA’s proprietary AI-driven technology is reshaping the landscape of modern finance, enabling CFOs and financial controllers to seamlessly transition from manual to automated processes with confidence.

Fathom

Fathom

fathomhq.com

Fathom provides a suite of in-depth analysis tools and metrics which help you see exactly how well your business is performing. These tools and metrics help to assess profitability, cash flow, growth and other key performance indicators (KPIs). Fathom seamlessly integrates with Xero, QuickBooks Online/Desktop and MYOB; or import financials & non-financials via Excel. Create beautiful reports and dashboards: Whether presenting to a client, reporting to the bank, or updating your management team, you'll always be prepared with Fathom. On-the-fly benchmarking: Fathom helps you easily compare, rank and benchmark your companies, clients or franchisees. Consolidated reporting... made easy: Fathom enables you to group your related companies together to create consolidated reports for an organisation. So, in addition to reporting for an individual company, you can easily track and monitor the performance of a group to which a company belongs. Alert monitoring: Using Fathom you can easily setup alerts for your companies or clients, then monitor when key financial metrics miss targets or exceed critical alert levels... plus much more!

C2FO

C2FO

c2fo.com

C2FO is the world’s on-demand working capital platform, providing fast, flexible and equitable access to low-cost capital to nearly 2 million businesses worldwide. Using patented Name Your Rate® technology and a suite of working capital solutions, companies can get paid sooner by the world’s largest enterprises — unlocking billions in risk-free capital. With a mission of ensuring that every business has the capital needed to thrive, C2FO has delivered more than $275 billion in funding around the world. Founded in 2008 and headquartered in Kansas City, USA, with offices around the globe, C2FO is working to build a better, more inclusive financial system every day.

Payhawk

Payhawk

payhawk.com

Payhawk is the leading spend management solution for domestic and international businesses throughout Europe, the US, and the UK. Combining company cards, reimbursable expenses, accounts payable, and seamless accounting software integrations into a single product, Payhawk makes business payments easy — for everyone. Payhawk helps customers in over 32 countries to maximise efficiency, control spending at scale, and stay agile. With offices in London, Berlin, Barcelona, Paris, Amsterdam, Vilnius, Sofia, and New York, Payhawk’s diverse customer base includes top names like LuxAir, Babbel, Vinted, Wallbox and Wagestream.

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