11 Best Plastiq Alternatives for B2B Payments – 2025

While Plastiq pioneered the ability to pay vendors with credit cards regardless of their payment preferences, modern B2B platforms now offer superior alternatives with lower costs, better integration capabilities, and innovative financing options like net terms that eliminate the need for credit card dependency altogether.

Key Takeaways

• Net terms financing beats credit card processing: Resolve's 2.61% fee on 30-day net terms costs less than Plastiq's 2.9% processing fees while providing instant approval and next-day payouts
• Processing fees significantly impact profits: Credit card processing fees typically range from 1.5% to 3.5% per transaction, with businesses losing 2-3% of payment value that compounds over time
• AI-powered automation transforms efficiency: Modern platforms deliver instant credit decisions and automated reconciliation, reducing manual payment processing work by up to 90%
• Integration capabilities determine success: Platforms that seamlessly connect with QuickBooks, NetSuite, and ecommerce systems eliminate manual data entry and reconciliation headaches
• Non-recourse financing eliminates risk: Unlike credit card debt accumulation, Resolve's advance payments are non-recourse, meaning businesses never face liability for customer defaults
• Payment flexibility drives adoption: 86% of businesses used faster or instant payments in 2023, demanding platforms that support ACH, wire, check, and card payments through unified portals

1. Resolve – AI-Powered B2B Payments Without Credit Card Dependency

Resolve revolutionizes B2B payments by eliminating the need for expensive credit card processing altogether. Instead of paying 2.9% to use credit cards for vendor payments, Resolve offers net terms management with fees as low as 2.61% while advancing up to 100% of approved invoices in as soon as 24 hours.

Core Advantages:

• Non-recourse financing with zero merchant risk
• Instant credit decisions powered by AI that evaluate thousands of data points
• Net 30, 60, or 90-day payment terms without credit card dependency
• Up to 100% advance payment on approved invoices
• Fees from 2.61% on 30-day terms (lower than Plastiq's 2.9%)
• QuickBooks integration with automated bookkeeping
• White-label payment portal accepting ACH, wire, check, and cards

Transparent Pricing Structure:

• Net 30 terms: 2.61% flat fee
• Custom pricing for Net 60/90 terms
• No monthly minimums or setup fees
• No hidden delivery charges
• Volume-based discounts available

The platform's AI-powered accounts receivable automation uses LLMs to manage workflows, automate payment reminders, and reduce friction in collections. Unlike Plastiq's credit card dependency that can lead to debt accumulation exceeding 20% annual interest if not paid monthly, Resolve's non-recourse model means businesses never face liability. 

Resolve serves thousands of businesses, with case studies showing dramatic improvements: businesses report 30-60% faster payments, 50% less time managing receivables, and 9x faster credit checks. The platform's business credit check service is completely free, requiring only a company name and address for results within 24 hours.

2. Bill.com – Comprehensive AP/AR Automation

Bill.com processes payments for 493,800 business customers through its extensive network of 8.3 million members. While more expensive than specialized solutions, it offers comprehensive financial automation beyond simple payment processing.

Platform Features:

• Automated invoice processing with OCR technology
• Customizable approval workflows
• Credit lines from $1,000 to $5 million
• Two-way sync with QuickBooks and Xero
• Mobile app for on-the-go approvals
• Automatic vendor enrollment

Pricing Model:

• Essentials: $45/user/month
• Team: $55/user/month
• Corporate: $79/user/month
• Enterprise: Custom pricing
• Additional transaction fees apply

The platform's broad scope includes features unnecessary for businesses simply seeking payment processing, making it more complex and costly than focused alternatives.

3. Stripe – Developer-First Payment Processing

Stripe has become synonymous with online payments, processing billions for companies worldwide. Its API-first approach and extensive documentation make it ideal for businesses with technical resources. 

Key Capabilities:

• Industry-leading API and developer tools
• Support for 135+ currencies
• Built-in fraud prevention
• Subscription billing capabilities
• Marketplace payment splitting
• Real-time reporting dashboard 

Fee Structure:

• 2.9% + $0.30 per transaction
• International cards: +1.5%
• Currency conversion: +1%
• No monthly fees for basic plan

While excellent for online payments, Stripe supports invoicing with net terms but does not natively finance those terms like specialized B2B platforms.

4. PayPal Business – Ubiquitous but Limited

PayPal Business serves millions of merchants globally with instant recognition and trust. However, businesses face increasing fee pressure when processing large volumes through third-party providers. 

Business Features:

• Instant payment notifications
• International payment support
• PayPal Working Capital loans
• Invoice creation and management
• QR code payments
• Buyer/seller protection programs

Cost Considerations:

• Standard rate: 2.89% + $0.49
• International payments: Variable by country
• Instant transfers: 1.75% fee, max $25 per transfer
• Monthly account fees for some features

PayPal's consumer focus and limited B2B capabilities make it unsuitable for complex business payment needs compared to specialized platforms.

5. Square – Retail-Focused Payment Processing

Square excels at point-of-sale and retail payments but offers limited B2B functionality. The platform processes payments for millions of small businesses, primarily in retail and hospitality.

Core Offerings:

• Free POS system and hardware options
• Next-day deposits
• Invoice creation and tracking
• Inventory management
• Customer loyalty programs
• Square Capital loans 

Pricing Details:

• 2.6% + $0.10 for in-person payments
• 2.9% + $0.30 for online payments
• 3.3% + $0.30 for invoices
• No monthly fees for basic services

Square's retail focus limits its usefulness for B2B companies needing vendor payment solutions or net terms capabilities.

6. Corpay (formerly Fleetcor) – Enterprise Payment Solutions

Corpay specializes in corporate payment solutions, particularly fleet management and cross-border payments. While comprehensive, it targets large enterprises rather than SMBs. 

Enterprise Features:

• Global payment capabilities
• Fleet card programs
• Cross-border payment optimization
• Expense management tools
• AP automation
• Virtual card programs

Pricing Approach:

• Custom enterprise pricing only
• Minimum volume requirements
• Setup and implementation fees
• Monthly platform fees 

The platform's enterprise focus and complex implementation make it unsuitable for businesses seeking quick, affordable payment processing alternatives.

7. Melio – Free B2B Payment Platform

Melio offers free ACH transfers and affordable credit card payments, targeting small businesses with simple payment needs.

 Platform Benefits:

• Free ACH and bank transfers
• 2.9% for credit card payments
• QuickBooks and Xero sync
• Vendor payment scheduling
• Mobile app access
• No monthly fees

Limitations:

• No net terms financing
• Limited international support
• Basic features only
• No advanced automation

While cost-effective for simple payments, Melio lacks the comprehensive features and financing options businesses need for growth.

8. Wise (formerly TransferWise) – International Payment Specialist

Wise revolutionized international payments with transparent, low-cost transfers. For businesses with global vendors, it offers significant savings over traditional banks.

International Advantages: 

• Real mid-market exchange rates
• Low transparent fees for major currencies
• Multi-currency accounts
• Local receiving accounts in multiple countries
• Batch payment processing
• API for automation 

Pricing Transparency:

• No markup on exchange rates
• Clear fee calculator online
• No hidden charges
• Volume discounts available

However, Wise only handles international transfers, requiring additional platforms for domestic payments and credit card processing.

9. Divvy (now BILL Spend & Expense) – Expense Management Platform

Divvy combines expense management with payment processing, offering free software funded by interchange fees. It targets businesses wanting unified spend management.

Management Features:

• Free expense management software
• Virtual and physical cards
• Real-time budget controls
• Automated expense reports
• Receipt capture and matching
• Integration with accounting software

Revenue Model:

• No monthly software fees
• Revenue from card interchange
• No foreign transaction fees
• Custom credit limits

While free, Divvy requires using their credit cards exclusively, limiting payment flexibility compared to comprehensive platforms.

10. Ramp – Modern Corporate Cards and Bill Pay

Ramp has gained traction with its modern approach to corporate cards and expense management.

Modern Features: 

• 1.5% cashback on all purchases
• AI-powered expense management
• Bill pay automation
• Vendor price intelligence
• Accounting integrations
• No fees or interest

Unique Benefits:

• Automatic receipt matching
• Duplicate payment detection
• Negotiated vendor discounts
• Real-time policy enforcement

Ramp's focus on corporate cards doesn't address businesses needing to pay vendors who don't accept cards or wanting net terms financing.

11. Plastiq (for Comparison)

While Plastiq pioneered credit card payments to any vendor, its limitations have become apparent as the payment processing market continues rapid growth.

Current Offering:

• 2.9% processing fee for most cards
• International payment options
• Check and ACH delivery options
• Limited rewards optimization

Key Limitations: 

• High processing fees impact profit margins
• Dependency on credit cards risks debt accumulation
• No net terms or financing options
• Limited integration capabilities
• Manual reconciliation required

Making the Right Choice for Your Business

The shift from credit card dependency to modern payment platforms reflects broader market trends. Consumers and businesses alike prioritize experience, and businesses demand similar improvements in B2B payments.

For Different Business Needs: 

• Eliminating credit card fees: Resolve's net terms platform with 2.61% fees
• International payments: Wise for lowest foreign exchange costs
• Developer integration: Stripe's comprehensive APIs
• Free basic payments: Melio's no-cost ACH transfers
• Enterprise solutions: Corpay's global capabilities

Cost Analysis for $100,000 Monthly Processing:

• Resolve: $2,610 (2.61% net terms, up to 100% advance)
• Plastiq: $2,900 (2.9% credit card fee)
• Stripe: $2,900 (2.9% + transaction fees)
• PayPal: $2,890 + fixed fees
• Bill.com: $55-79/month + transaction fees

The global payment processing solutions market continues evolving rapidly. Businesses that adapt to modern platforms offering lower fees, better integration, and innovative financing options position themselves for sustainable growth.

For companies ready to move beyond expensive credit card processing, Resolve's B2B payments platform offers the most comprehensive solution with transparent pricing, instant approvals, and risk-free financing that transforms how businesses manage cash flow.

Frequently Asked Questions

What are the main differences between Plastiq and other payment processors?

Plastiq charges 2.9% processing fees and requires credit card usage for all transactions, while modern alternatives like Resolve offer lower fees (2.61%) through net terms financing that eliminates credit card dependency. Traditional processors focus on transaction processing, whereas platforms like Resolve provide comprehensive AR automation, instant credit decisions, and non-recourse financing. Additionally, Plastiq enables payments to vendors even if they don't accept cards by remitting funds via ACH/check/wire while charging your card.

How much do Plastiq alternatives typically charge per transaction?

Transaction costs vary significantly by platform and payment method. ACH transfers are often free on modern platforms or charge a small flat fee or capped percentage. Credit card processing generally ranges from 1.5% to 3.5% per transaction. Resolve charges 2.61% for 30-day net terms with advance payment options, Bill.com adds transaction fees to monthly subscriptions, and Stripe charges 2.9% plus $0.30. International payments often incur additional fees, with services like Wise charging competitive rates for currency conversion versus traditional processors.

Can I use multiple payment processing platforms for my business?

Yes, many businesses use multiple platforms to optimize costs and capabilities. For example, companies might use Resolve for net terms management to eliminate credit card fees on vendor payments, Wise for international transfers at low rates, and Stripe for online customer payments. The key is ensuring platforms integrate with your accounting software to avoid manual reconciliation. QuickBooks integration capabilities allow multiple payment platforms to sync transaction data automatically.

Which Plastiq alternative is best for B2B transactions?

For B2B transactions, Resolve's B2B payments platform offers a comprehensive solution with net terms financing, instant credit decisions, and fees starting at 2.61%. The platform can advance up to 100% of approved invoices quickly while eliminating merchant risk through non-recourse financing. Unlike credit card-dependent services, Resolve's business credit checks are free and require only company name and address, making it ideal for businesses wanting to offer payment flexibility without risk.

Do Plastiq alternatives integrate with QuickBooks?

Most modern payment platforms offer QuickBooks integration, though capabilities vary. Resolve provides automated QuickBooks bookkeeping that syncs all transactions in real-time, Bill.com offers two-way sync with automatic categorization, and Melio provides basic transaction import. The quality of integration matters—platforms with AI-powered reconciliation can significantly reduce manual work compared to basic data transfer. When evaluating alternatives, prioritize platforms offering automated reconciliation and real-time syncing to eliminate manual data entry.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.