To your 2026 success: our new guide on accounts payable automation for the year ahead. Download the Guide

Best BILL.com Alternative
for AP and 1099 Compliance

If you want flat-fee ACH, built-in W-9/TIN/1099, CPA-friendly multi-entity, and no seat fees, Zenwork Payments is built for you.

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Zenwork Payments vs BILL 

Accounts Payable Features Feature Accounts Payable Features Accounts Payable Features
Invoice Capture Accounts Payable FeaturesAdvanced OCR (header + line items) with auto GL coding. OCR bill upload and capture with robust AP workflows.
Approvals Accounts Payable FeaturesRole-based access control; multi-level amount thresholds. Customizable approval policies; multi-entity approvals supported.
Payments Accounts Payable FeaturesStandard ACH: $0.49 (T + 3 business days, if submitted by 4:00 p.m. ET)
Accounts Payable Features FastPay ACH: $2.99 (T + 2 business days, if submitted by 4:00 p.m. ET)
Accounts Payable FeaturesPaper Checks: $1.69 (Mailed via USPS First-Class Mail for U.S. destinations) 		ACH $0.59/txn; check $1.99; “Pay Faster” options extra.
Vendor Onboarding Accounts Payable FeaturesOne-link onboarding, W-9 e-sign, real-time TIN match. W-9 collection supported; 1099 filing offered within BILL.
1099 Workflow Accounts Payable FeaturesAuto-generates 1099-NEC/MISC per verified payment; ready to review & e-file. 1099 e-file available (BILL 1099).
Accounts Payable Features Integrations & Data Import
Accounting Accounts Payable FeaturesTwo-way sync: QuickBooks Online & QuickBooks Desktop Deep integrations incl. QuickBooks Online & QuickBooks Desktop (2-way bill sync available).  
Data import Accounts Payable FeaturesBulk vendor import (CSV); fast multi-entity setup.  Imports supported; strong ERP ecosystem.  
Accounts Payable Features Support Channels 
Ongoing help Accounts Payable FeaturesPriority Customer support through email, chat, and phone. 24/7 AI chat support, Knowledge base & Resources Extensive Knowledge Base and chat support
Accounts Payable Features Vendor Portal (xForce) 
Self-onboarding Accounts Payable FeaturesxForce portal deflects status tickets; audit trail.  Vendor collaboration via BILL network; no vendor 1099 portal equivalent.    
Validation Accounts Payable FeaturesReal-time TIN match on setup 1099 filing and W-9 features are available on the platform. 
Tax docs Accounts Payable FeaturesVendor access to submitted 1099s in portal.  1099 delivery managed via BILL’s filing workflow. 
Accounts Payable Features Pricing
Subscription / Seats  Accounts Payable Features$19.99/month, no seat fees, unlimited users & EINs. Includes QuickBooks Online & QuickBooks Desktop Sync, approvals, W-9 e-sign + real-time TIN match, auto-generated 1099-NEC/MISC ready to review & e-file, and xForce.  Essentials $45/user/month, Team $55, Corporate $89, Enterprise custom, ACH, check, card fees extra.  
ACH  Accounts Payable Features$0.49/txn (flat).  $0.59/txn.  
Checks Accounts Payable Features$1.69 (Mailed via USPS First-Class Mail for U.S. destinations)  $1.99; expedited options extra. 
Ready to Explore Zenwork Payments Now? Start 30-Day Free Trial

Accounts Payable Features60%

AP Pros Still Rekey Invoices
By Hand

Accounts Payable Features49%

Of Teams Spend 5+ Days/Month
On Manual Accounts Payables.

Zenwork Payments Cuts
This Processing Time By
Over Half, Lower Costs By65%

And Slashes Penalty Risk With Built-In IRS
Compliant Tools.

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We Got Everything
Spend less time

Zenwork Payments handles AP from start to finish. 

Multiple ways to onboard vendors illustration
Upload or forward invoices.
Multiple ways to onboard vendors illustration
Onboard vendors easily. 
Real time TIN match illustration
Approvals flow by role-based access control.
Automated 1099 filing illustration
Pay via flat-fee ACH or check.

Reconcile in QuickBooks Desktop and QuickBooks Online. 

ACH and check payments illustration

Built for teams that want fewer logins and less rework. 

Zenwork Payments is best for these teams  

Multiple ways to onboard vendors illustration

CPA firms

Manage 50+ clients in one dashboard. No extra seat fees. File forms as payments go out.

ACH and check payments illustration

Mid-sized businesses

Eliminate manual entry. Replace it with true automated accounts payable with only $19.99 for a subscription.*

Accounts Payable FeaturesPersonalized Quick Onboarding and Priority Support .

Accounts Payable FeaturesConnect QuickBooks, invite vendors, and send 1099-ready payments the same day.

Accounts Payable FeaturesCollect W-9s, match TINs, and stay audit-ready.

ACH and check payments illustration

Join today for free. 

Start one-month free trial today