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

Best QuickBooks Alternative
for AP and 1099 Compliance

Keep QuickBooks for accounting. Add Zenwork Payments for approvals, vendor onboarding with W-9/TIN, and automatic 1099s that stay in sync.

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Zenwork Payments vs QuickBooks (Online) 

Accounts Payable Features Feature Accounts Payable Features Accounts Payable Features
Invoice Capture Accounts Payable FeaturesAI OCR (header + line items); auto-codes to GL.  Native bill entry; OCR/scan options vary by workflow. 
Approvals Accounts Payable FeaturesRole-based routing; multi-level thresholds.  Bill approval & payment-release workflows available with QBO Advanced / Bill Pay Elite.
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)  		Bill Pay plans include ACH allowances; after that $0.50/ACH; checks $1.50; Faster ACH offered for an extra fee. 
Vendor Onboarding Accounts Payable FeaturesOne-link onboarding with W-9 e-sign + real-time TIN match.  Vendor setup inside QBO; W-9/1099 handled through QuickBooks services.  
1099 Workflow Accounts Payable FeaturesAuto-generates 1099-NEC/MISC per verified payment; ready to review & e-file.  1099 e-file service is available (NEC/MISC) but not auto-drafted from each AP payment.
Accounts Payable Features Integrations & Data Import
Accounting Accounts Payable FeaturesTwo-way sync: QuickBooks Online & QuickBooks Desktop Native to QuickBooks Online. Note: QBO and QBD don’t sync with each other.  
Data import Accounts Payable FeaturesBulk vendor import (Excel); fast multi-entity setup.  Vendor/import tools inside QBO. 
Accounts Payable Features Help & Connect  
Getting started Accounts Payable FeaturesHelp Center, chat/community. Help Center, chat/community; support level depends on plan. 
Data import Accounts Payable FeaturesBulk vendor import (Excel); fast multi-entity setup.  Vendor/import tools inside QBO. 
Accounts Payable Features xForce Vendor Workspace  
Self-onboarding Accounts Payable FeaturesSecure link to enter bank + e-sign W-9, and provide eDelivery consent.  Vendors can be paid via ACH/check; no dedicated vendor 1099 portal.
Validation Accounts Payable FeaturesReal-time TIN match at setup to block bad data. 1099 features exist, but not real-time onboarding.
Visibility  Accounts Payable FeaturesLive payment status 24/7 for vendors.  Status primarily visible to the payer in QBO. 
Tax docs Accounts Payable FeaturesVendor access to submitted 1099s in portal.  1099s managed/issued via QuickBooks 1099 e-file service.
Accounts Payable Features Pricing
Subscription / Seats  Accounts Payable Features$19.99/month - unlimited users & EINs; QBO/QBD sync; approvals; W-9 e-sign + real-time TIN match; auto-generated 1099-NEC/MISC ready to review & e-file; xForce portal. Vendor collaboration via BILL network; no vendor 1099 portal equivalent.   
ACH  Accounts Payable Features$0.49/txn (flat).  $0.59/txn.  
Checks Accounts Payable FeaturesPaper Checks: $1.69 (Mailed via USPS First-Class Mail for U.S. destinations) $1.50 per check (delivery speed options vary).
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Accounts Payable Features60%

AP Pros Still Rekey Invoices
By Hand

Accounts Payable Features49%

spend 5+ days/month on payables.

Zenwork Payments cuts cycle time, lowers cost per invoice, and reduces

IRS penalty risk with compliance baked in.

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We Got Everything
You Need from a Smarter AP

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. 
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Approvals flow by role-based access control.
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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, no seat fees; 1099s draft as you pay 

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SMBs

Full AP automation for $19.99/month 

Accounts Payable FeaturesPersonalized Quick Onboarding and Priority Support .

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

Accounts Payable FeaturesStart sending 1099-ready payments the same day.

ACH and check payments illustration

Join today for free. 

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