10 Best Plastiq Alternatives & Competitors in 2025

Find the best Plastiq alternatives with our top 10 recommended alternatives to Plastiq and discover today the perfect solution for your needs.

If Plastiq is not the right choice for you and you are looking for the perfect Plastiq alternative, then you are in the right place. We have compiled a list of the top 10 best alternatives to Plastiq to help you find the right alternative that fits your needs.

Melio – Free AP & AR Platform

Why is Melio a top Plastiq alternative?

I use Melio because it streamlines payables and receivables with no transaction fees for bank transfers. Its clean dashboard and approval workflows make managing vendor payments seamless without the card surcharges Plastiq imposes.

Amazon Pay for Business – Trusted Card Processing for Vendors

Why is Amazon Pay for Business a compelling alternative?

When I need a payment method my vendors already trust, I turn to Amazon Pay. It lets payers use saved credentials for invoices, speeding up checkout and reducing friction compared to introducing a new service like Plastiq.

AvidXchange – Enterprise-Grade AP Automation

Why is AvidXchange a strong Plastiq competitor?

For scaling businesses, AvidXchange automates invoice capture, approvals, and payments across ACH, checks, and cards. I rely on its ERP integrations to eliminate manual AP work and gain visibility into cash flow.

Wise Business – Low-Cost, Multi-Currency Payments

Why is Wise Business a powerful alternative?

I choose Wise Business when I need to pay international suppliers. Its real-exchange-rate conversions and low fees beat Plastiq’s card-based costs, while the multi-currency account dashboard keeps global payments organized.

Stripe Payments – Developer-Friendly Card Acceptance

Why is Stripe a versatile alternative?

When building custom invoicing flows, I embed Stripe’s APIs to handle card-on-file payments seamlessly. The direct integration and broad global support give me control that Plastiq’s out-of-the-box system can’t match.

PayPal Payments – Ubiquitous Online Payment Solution

Why is PayPal a practical Plastiq alternative?

PayPal’s invoicing and “Pay with PayPal” options provide instant access to funds and universal vendor acceptance. I leverage its ecosystem to settle bills quickly without requiring vendors to sign up for yet another platform.

FreshBooks – Invoicing with Integrated Payments

Why is FreshBooks a compelling competitor?

I appreciate FreshBooks for combining simple invoicing, expense tracking, and Stripe/PayPal payments in one place. Sending invoices and getting paid online becomes a one-step process that replaces the need for a separate service like Plastiq.

Zil Money – Flexible Check & ACH Payment Network

Why is Zil Money a great alternative?

Zil Money lets me issue digital checks or ACH payments directly from their portal. The vendor portal and e-wallet features give me flexibility in payment methods without the card fees associated with Plastiq.

GoCardless – Automated Recurring ACH Debits

Why is GoCardless a solid alternative?

For subscription or recurring bill payments, I rely on GoCardless’s bank-debit flows. It guarantees on-time collection with lower fees than card processing, making it perfect for steady, repeat payments instead of Plastiq’s one-off card pay.

Dwolla – Scalable ACH Payment API

Why is Dwolla a strong alternative?

Dwolla’s API-first approach to ACH gives me programmable, branded payment flows and instant verification options. When embedding bill-pay into custom apps, it outpaces Plastiq with more control and cost-effective ACH processing.

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