MineralTree is accounts payable automation software for mid-market and enterprise finance teams, covering invoice capture, approvals and vendor payments.
MineralTree is accounts payable automation software for mid-market and enterprise finance teams: invoice capture, approvals and vendor payments by ACH, check or virtual card. It publishes no prices; TotalAP is quoted as a one-time setup fee, an annual platform fee and monthly usage fees. Global Payments agreed to acquire the company in 2021.
MineralTree is owned by Global Payments
Global Payments agreed to acquire MineralTree on 8 September 2021 for $500 million in cash, with closing expected in the fourth quarter of 2021. The product keeps the MineralTree name and the site brands it as 'A Global Payments Company'.
In September 2020 MineralTree bought Inspyrus and Regal Software; Inspyrus is now sold as MineralTree's enterprise AP product.
Checked October 4, 2026
The bottom line
A strong option for mid-market AP teams on a supported ERP; get a full fee breakdown before you sign.
6.4
Our score
6.4 / 10
Conversion Gems editorial verdict
Quote-based (setup, platform and usage fees)
Features8/10
8 - OCR capture with human validation, approvals, ACH, check, virtual card and 130+ currencies, per the TotalAP page and FAQ.
Value4/10
4 - no published prices; setup, annual platform and monthly usage fees, per the TotalAP page.
Ease of use6/10
6 - implementations average 4 weeks from kickoff to first payment, per MineralTree.
Ecosystem8/10
8 - native sync with Sage Intacct, NetSuite, QuickBooks and Dynamics GP, plus Oracle, SAP and Sage 50/100 listed in the FAQ.
Support6/10
6 - help center at support.mineraltree.com and phone and email contacts; live-help details are not published, so mid-range.
What it really is
Accounts payable and B2B payment automation software for mid-market and enterprise finance teams, owned by Global Payments.
Our take
MineralTree handles the whole AP cycle and pairs it with payment options, including rebate-earning virtual cards, that can offset part of its cost. Its ERP coverage and compliance list suit finance teams with audit duties. The weak spot is transparency: you only learn the price after a demo, and the fee mix has several parts.
Why we rate it
Full invoice-to-pay coverage, wide ERP sync and strong compliance credentials.
The catch
No published prices and a multi-part fee structure.
Best for
Mid-market AP teams
Companies on NetSuite, Sage Intacct or Dynamics
Finance teams that want virtual card rebates
Not good for
Small businesses wanting self-serve signup
Buyers who need list prices up front
Teams that cannot spare a few weeks for implementation
Friction report
Time to value
About 4 weeks on average from kickoff to first payment, per MineralTree.
Scale breakpoint
High-volume, multi-ERP setups move to the Inspyrus enterprise product.
Walled garden
Moderate: syncs both ways with major ERPs, but payments run through MineralTree's network.
How MineralTree pricing works
Fee or factor
What MineralTree says
Published prices
None; pricing comes after a demo
One-time setup fee
Yes (TotalAP)
Annual platform fee
Yes (TotalAP)
Monthly usage fees
For invoice capture, ACH payments and check payments (TotalAP)
Possible extras
Accounting system, banking setup, onsite training
Pricing basis
Invoice and payment volume (FAQ)
From MineralTree's TotalAP page and FAQ, checked 4 October 2026. The FAQ also says there are no user, transaction or workflow configuration fees.
Frequently Asked Questions
MineralTree does not publish prices. Its TotalAP page says pricing includes one-time setup fees, an annual platform fee and monthly usage fees for invoice capture, ACH and check payments, with possible extra fees for accounting system, banking setup or onsite training. Its FAQ adds that pricing is based on invoice and payment volume (checked 4 October 2026).
Global Payments agreed to acquire MineralTree on 8 September 2021 for $500 million in cash, with closing expected in the fourth quarter of 2021. The site now brands the company as 'MineralTree, A Global Payments Company'.
MineralTree is an established AP automation vendor, owned by Global Payments since the 2021 deal, and served more than 3,000 mid-market and enterprise customers at that time. It lists SOC 1 Type 2, SOC 2 Type 2 and PCI DSS Level 1 compliance. As with any payments vendor, check contract terms and fees in your quote.
TotalAP has native API sync with Sage Intacct, QuickBooks, NetSuite and Microsoft Dynamics GP, and CSV-based sync for systems such as Sage 50 and Acumatica. MineralTree's FAQ also lists Oracle EBS, ERP Cloud, JD Edwards and PeopleSoft, SAP and Sage 100.
MineralTree says TotalAP implementations take 4 weeks on average from kickoff to first payment, with faster options available; its FAQ mentions some clients finishing in under 12 days.
MineralTree alternatives
Other accounts payable tools to compare:
Tipalti: Payables automation with global payments, procurement and expense modules for growing finance teams.
Yooz: AI-based AP automation with a free trial and connectors for many accounting systems.
Melio: Self-serve bill pay and invoicing for small businesses, with a free plan.
