Best Bank Payment Providers

BILL (Bill.com)

Bank / A2A Payments

B

BILL, still widely known as Bill.com, is the largest US accounts-payable and accounts-receivable payments platform for small and mid-sized businesses: 479,300 businesses, $98 billion of payment volume in the quarter to June 2026 and $1.65 billion of annual revenue, run from San Jose by founder René Lacerte since 2006 and listed on the NYSE since 2019. It charges per user — $49, $65 or $89 a month on the Essentials, Team and Corporate plans, custom for Enterprise — plus per-payment fees that it publishes in full: 59¢ per ACH, $1.99 per mailed cheque, free virtual-card and foreign-currency wires, 2.9% to pay or be paid by card, and 1% (minimum $9.99, maximum $100) to send money instantly. Its Spend & Expense card product, the former Divvy, is free. Licensed as a money transmitter in all 50 states, it is a serious, regulated piece of infrastructure; it is also a subscription business with a complicated fee table, uneven support and a stream of complaints about payments held in transit.

GoCardless

Bank / A2A Payments

B

A bank-payments specialist built for recurring billing. GoCardless collects by ACH and other direct debit schemes rather than by card, with published, capped per-transaction pricing — but it processes no card payments at all, and merchant complaints about account freezes and slow support are persistent.

Pricing clarity

4.5

Feature set

3.0

Ease of use

4.0

Melio

Bank / A2A Payments

B-

Melio is a US business bill-pay and accounts-payable platform founded in 2018 by Matan Bar, Ilan Atias and Ziv Paz, headquartered in New York with an R&D centre in Tel Aviv. It is not a card acquirer: instead of helping you take money from customers, it moves money out to your suppliers, letting you pay any vendor by ACH, cheque, wire or card even when that vendor accepts none of those, and syncing the result into QuickBooks, Xero or NetSuite. Xero announced its acquisition of Melio in June 2025 and completed it on 15 October 2025 for US$2.5 billion upfront in cash and equity, with up to a further US$0.5 billion payable over three years. Xero's announcement put Melio at 80,000 customers, more than US$30 billion of payments processed in FY25 and US$153 million of FY25 revenue. Melio publishes its entire fee schedule, which is rare in this market and the single strongest thing about it. Against that sits a Better Business Bureau rating of F and a large, consistent body of complaints about accounts suspended mid-payment with funds already in transit.

Dwolla

Bank / A2A Payments

B-

An API for moving money between US bank accounts, founded in Des Moines in 2008 and one of the earliest companies to make ACH programmable. Dwolla does not touch cards at all: it does standard ACH, Same Day ACH, and instant payments over the RTP network and FedNow, behind a single integration. That is a genuinely useful thing to be able to buy, and Dwolla has been doing it longer than almost anyone. Two things should temper the enthusiasm. It no longer publishes any pricing — the pricing page now says only that terms are tailored to volume, rails and integration — and in May 2026 Dwolla was acquired by NMI, which is folding its capabilities into NMI's embedded payments platform. NMI says it will keep supporting existing Dwolla customers; neither company has said whether the Dwolla brand and product survive the integration. Build on it if bank-to-bank money movement is your requirement, but ask about the roadmap in writing.

Pricing clarity

1.5

Feature set

3.5

Ease of use

3.5

Aeropay

Bank / A2A Payments

B-

Aeropay is a Chicago pay-by-bank company founded in 2017 by Daniel Muller, and it sells something genuinely different from the merchant accounts most of this site covers: it moves money directly between bank accounts over ACH and the instant rails rather than over the card networks. The business is built around four pieces — Aerosync for connecting a customer's bank account, Pay for taking the debit, Payout for pushing money back out, and Guard for risk — and it is sold to industries where cards are either expensive, awkward or refused outright. That history is the important context. Aeropay found its first real traction in cannabis dispensaries, where card acceptance is a persistent problem, and then moved hard into online gaming; by August 2024 gaming was around 80% of revenue. It raised a $20m Series B in May 2024, led by Group 11, and has assembled a credible list of banking and network partners since — Cross River, MVB Bank, Regent Bank, a Worldpay collaboration for gaming, a Skipify checkout partnership and a Jack Henry integration announced in June 2026. The company publishes no pricing at all, and its consumer-facing record is the problem: the Better Business Bureau rates it F, with a pattern-of-complaints alert and complaints about delayed transfers and unresponsive support.

Paystand

Bank / A2A Payments

B-

Paystand is a California B2B payments and accounts-receivable company, founded in 2013 by Jeremy Almond and Scott Campbell, built on a premise that inverts how this industry normally charges: you pay a flat monthly subscription rather than a percentage of every transaction. Its own bank-to-bank network carries payments between businesses at no transaction fee, while card and ACH acceptance are resold at what it describes as pre-negotiated wholesale rates, and the software sits on top automating invoicing, collections and reconciliation against ERP systems like NetSuite. It bought the spend-management company Teampay in April 2024, which took it into accounts payable as well, and it says the combined network now touches more than a million businesses with over $20bn in payment volume processed. In April 2026 it launched USDb, a stablecoin backed one-to-one by dollar reserves and issued on two Bitcoin layers — a genuine strategic bet, and the thing most likely to decide whether a given finance team sees Paystand as forward-looking or as a risk it does not need.

Pricing clarity

1.5

Feature set

4.0

Ease of use

3.0

Trustly

Bank / A2A Payments

B-

Trustly is a Swedish open-banking payments company, launched in Stockholm in 2008, that moves money directly from a shopper's bank account to a merchant's — bypassing the card networks entirely. It is, on its own account, the largest pay-by-bank provider in the world by volume — a ranking no independent source confirms: its full year 2025 results report processed volume up 17.6% to SEK 1,059.0 billion, the first year it has carried more than $100 billion in total payment value, and it passed 120 million users in April 2026. Revenue, however, fell 12% on a constant-currency basis to SEK 2,427.7 million and it made a SEK 565.0 million loss after tax, a year into a 24-month transformation programme. It is regulated in Sweden and the UK, and in February 2022 the Swedish Financial Supervisory Authority issued it a warning and a SEK 130 million fine for serious anti-money-laundering failings. It publishes no merchant pricing.

Pricing clarity

1.5

Feature set

4.0

Ease of use

3.0