Compare your options

Find the bill-payment and cash-flow tool that fits your business.

Compare tools for paying suppliers, managing outgoing payments, and keeping cash flow under control. Our general picks before personalisation — your answers may change the recommendation.

Our top pick

Wise Business

Best for: International SMEs, particularly when the brief prioritises price and value.

Sets the pace here on implementation effort.
Pulls ahead on administration, security, and scalability.
Has the clearer case on reliability.

Main compromise: Sits behind several alternatives on administration, security, and scalability.

A free plan is available.Advanced features require a one-time £50 setup fee.

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Strong alternative

Melio

Best for: Small businesses when the brief gives extra weight to price and value.

Makes a convincing case on implementation effort against much of the field.
Pulls ahead on functional capability.
Separates itself from much of the shortlist on ease of use.

Main compromise: Its clearest weakness is administration, security, and scalability.

A free plan and free trial are available.Core is $25/month ($20 annually) and Boost $55/month, plus user/transaction fees.

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Personalise these picks

Tell us what matters to you

Most people finish after two questions. We only ask a follow-up when one preference could meaningfully separate the closest options.

Usually 2 questions · no signup

Research-backed recommendationProduct research and recent user feedback shape the recommendation. Vendor pricing, availability and contract terms can change.

Question 1

Who is it for?

Who is the software for?

Individual / just mePersonal use, a solo business, or one primary user.Small business / teamA growing team balancing capability, simplicity, and value.Enterprise / large organisationMore complex implementation, administration, support, and scale.

Question 2

What matters most?

More capability and flexibilityDeeper capability for pay bills & manage cash flow, integrations, and room to grow.Better valueCapability per dollar without unnecessary cost or burden.Easier adoption and everyday useEase of use, a lighter implementation, and the supplier and payment experience.Best overall balanceA balanced view across reliability, value, support, usability, and capability.

No account needed. Commercial relationships do not affect your recommendation.