Your needs do the sorting
We start from the work: invoicing, expenses, reconciliation, payroll, what your accountant needs. If a tool lacks something you need, it drops out, even if it is cheaper. We don't publish scores out of 10: a single score lets a low price hide a missing feature.
Every number has a source and a date
Prices, limits and fees link to the official page that publishes them, with the date we read it. When two official sources disagree, we show both. What we don't know is written as unknown, never as an estimate dressed up as a fact.
What we tested, and what we didn't
We have not used these products on a client account. We say so on every comparison and give you a test to run during the free trial. No review, testimonial or user rating on this site is made up.
The calculations
Our tools apply the formulas shown next to their results. The calculations run in your browser: nothing is sent to a server. Example figures are labeled as examples, and no vendor's rate is built in as a default.
How we make money
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Corrections
Found an error or a price that changed? Tell us through the contact page. We fix it and update the page date.
Six worked examples you can inspect and download
Fictional examples with explicit inputs and expected results. They are not customer data, market statistics or product tests.
Ten payments, ten fixed fees
Ten $100 payments. Hypothetical schedule: 2.9% + $0.30 per payment.
Calculation : 10 × ($100 × 0.029 + $0.30) = $32.
Hypothetical schedules only, not any provider’s current rate or a recommendation.
A cap is per payment
Ten $100 payments. Hypothetical schedule: 0.8%, capped at $5 per payment.
Calculation : 10 × min($100 × 0.008, $5) = $8.
Hypothetical schedules only, not any provider’s current rate or a recommendation.
Cap on the percentage only
$1,000 payment; 0.8% capped at $5, plus $0.30 outside the cap.
Calculation : min($1,000 × 0.008, $5) + $0.30 = $5.30.
Hypothetical schedules only, not any provider’s current rate or a recommendation.
Cap on the entire base fee
Same payment and nominal fees; the $5 cap covers percentage plus fixed fee.
Calculation : min($1,000 × 0.008 + $0.30, $5) = $5.00.
Cap scope changes the result; extra layers, if any, are separate. Hypothetical schedules only, not any provider’s current rate or a recommendation.
Cash cost and time are different
12 months at $60, two old months at $40, one-off $370, ten hours valued at $35.
Calculation : $60 × 12 + $40 × 2 + $370 = $1,170 cash. Add 10 × $35 = $350 time for $1,520 economic cost.
Hypothetical inputs, no vendor promise or measured saving. Time is not cash spent.
Pending payment does not reduce open A/R
$1,000 invoice, $200 cleared, $100 credit, $50 pending; 30 days past due at October 31.
Calculation : $1,000 − $200 − $100 = $700 open. The $50 pending stays separate until cleared.
Aging is not collection assurance. The example is fictional.
The site’s 6 worked examples (JSON) · Spreadsheet version (CSV)