What is the best alternative to Plastiq?

By our editorial score, Ramp (8.2/10) is the highest-rated alternative here. The better fit depends on why you are leaving Plastiq: the relationship label on each alternative (lighter, head-to-head or more powerful) and its reason are the quickest way to narrow it down.

Which Plastiq alternative has the lowest listed starting price?

Tipalti, listed from $99/mo in our review. B2B payment tools charge per transaction, by monthly subscription, or both. Plastiq is pay-per-payment with no plans, while accounts payable suites such as Tipalti start with a monthly fee and add transaction fees on top.

Is Plastiq free to use?

Signing up is free and there is no subscription, but each card payment costs 2.99%, and delivery adds $0.99 for ACH, $1.49 for a check or $8.99 for a domestic wire. Receiving card payments with Plastiq Accept is free for the business; the payer pays the 2.99% (checked 4 October 2026).

Is Plastiq still in business after the bankruptcy?

Yes. Plastiq Inc. filed for Chapter 11 in May 2023, and on 31 July 2023 a subsidiary of Priority Technology Holdings completed the purchase of substantially all of its assets. The service runs under Priority today.

Plastiq alternatives

Plastiq lets you pay almost any vendor by card, with published fees and no subscription, but 2.99% per payment plus delivery fees makes it a cash-flow tool rather than a cheap way to pay bills. These are the alternatives our reviews name, each with the reason it made the list.

Reviewed by the Conversion Gems editorial team · Oct 4, 2026 · no sponsored placements

Top Plastiq alternatives

Ranked by our editorial score.

Ramp Finance, Billing & AccountingMore powerful
Corporate cards with expense tracking and automated reporting, for companies that want card spending managed in one place rather than card payments to individual vendors.
vs Plastiq: More features (8 vs 6) · Better value (9 vs 5) · Easier to use (8 vs 7)
Source: our Plastiq review
Alternatives: “Corporate cards with expense tracking and automated reporting.”
Our score8.2 / 10
Starts at$15/mo
Free planYes
Read review Ramp
Melio Finance, Billing & AccountingLighter option
A free plan that includes some free bank transfers each month, for US businesses that mostly pay vendors by ACH rather than by card.
vs Plastiq: More features (8 vs 6) · Better value (8 vs 5) · Easier to use (8 vs 7)
Source: our Plastiq review
Comparison: “vs Melio: Melio offers a free plan with 5 free ACH payments a month and 2.9% card fees; Plastiq charges 2.99% per card payment with no plans.”
Our score7.8 / 10
Starts at$20/mo
Free planYes
Read review Melio
Payoneer Finance, Billing & AccountingHead-to-head
Built around cross-border payments and receiving accounts, for businesses whose suppliers and customers are mostly abroad.
vs Plastiq: More features (8 vs 6) · Better value (7 vs 5) · More integrations (8 vs 6)
Source: our Plastiq review
Alternatives: “Cross-border payments and receiving accounts for businesses selling internationally.”
Our score7.3 / 10
Starts at~$29.95/yr
Free planYes
Read review Payoneer
Tipalti Finance, Billing & AccountingMore powerful
A subscription accounts payable suite for finance teams paying many suppliers, where a percentage fee on every payment would add up.
vs Plastiq: More features (9 vs 6) · Better value (6 vs 5) · More integrations (8 vs 6)
Source: our Plastiq review
Comparison: “vs Tipalti: Tipalti is a subscription AP suite from $99 a month; Plastiq is pay-per-payment and card-first.”
Our score7.3 / 10
Starts at$99/mo
Free planNo
Read review Tipalti

* “Lower listed price” compares the entry prices in our reviews. Where the two tools price differently (per seat, per contact, per email sent), the cheaper option depends on your list size and sending volume.

How they compare

Our five sub-scores out of 10. Bold means at least a point above Plastiq.

Tool	Score	Features	Value	Ease of use	Ecosystem	Support	Starts at	Free plan
Plastiq(replacing)	5.9	6	5	7	6	5	See pricing	No
Ramp	8.2	8	9	8	8	7	$15/mo	Yes
Melio	7.8	8	8	8	7	7	$20/mo	Yes
Payoneer	7.3	8	7	7	8	5	~$29.95/yr	Yes
Tipalti	7.3	9	6	6	8	7	$99/mo	No

Choose by what you need

The same reviewed relationship as the list above — not a new comparison.

Choose Melio for something lighter

A free plan that includes some free bank transfers each month, for US businesses that mostly pay vendors by ACH rather than by card.

Choose Payoneer for a direct swap

Built around cross-border payments and receiving accounts, for businesses whose suppliers and customers are mostly abroad.

Choose Ramp for more power

Corporate cards with expense tracking and automated reporting, for companies that want card spending managed in one place rather than card payments to individual vendors.

Free alternatives to Plastiq

3 of the 4 alternatives have a free plan.

Ramp, Melio, Payoneer

What each free plan includes

Ramp Review Ramp

Free; Plus from $15/user/mo

Melio Review Melio

Free; Core $20/mo billed yearly ($25 monthly)

Payoneer Review Payoneer

Free account; $29.95/yr if under $6k received

How we picked them

Every alternative here is named in one of our own reviews — either in the Plastiq review (as a lighter or more powerful option, or in a head-to-head comparison) or in the other tool's review. Each relationship was then checked by hand: would someone replacing Plastiq reasonably consider this tool? Rankings follow our editorial score only; no tool pays to be listed or ranked.

Each entry quotes the review it came from, checked on 4 October 2026.

2 tools our reviews mention alongside Plastiq that we left out, and why

QuickBooks Enterprise — Neither Plastiq's review nor QuickBooks Enterprise's names the other, and QuickBooks Enterprise is accounting software rather than a way to pay bills.
PayPal Invoicing — Neither Plastiq's review nor PayPal Invoicing's names the other, and PayPal Invoicing sends invoices and collects payment rather than paying vendors.

Questions about Plastiq alternatives

The tool you are replacing

Plastiq Finance, Billing & Accounting5.9 / 10

Starts at: See pricing
Free plan: No
Ease of use: 7/10
Value: 5/10

Best for: Paying card-unfriendly suppliers by card

Why people look for an alternative

Each card payment costs 2.99%, which usually costs more than the rewards most cards earn.
Delivery fees come on top: $1.49 per check, $8.99 for a domestic wire and $39 for an international wire.
It is a poor fit for routine bills when ACH payments are free elsewhere.
Plastiq Inc. went through Chapter 11 in 2023 before Priority bought its assets.

Read our Plastiq review

Quick answers

Highest ratedRamp8.2/10
Best with a free planMelio7.8/10
Lowest listed starting priceTipalti$99/mo
Easier to use than PlastiqRampease 8 vs 7

Finance, Billing & Accounting

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