
Brex, Rho, Rippling Spend, Wise Business, and Arc overlap on paper. The useful choice begins with the workflow your company cannot afford to get wrong.

BILL, Stampli, Melio and AvidXchange can move vendor money across borders. Tipalti starts from a different problem: onboarding and paying a changing crowd of creators, affiliates and marketplace sellers at global scale.

Ramp, BILL and Emburse still compete for the finance desk. Airbase and Center now live inside larger companies, changing what buyers are really choosing.
A century-old maker of postage meters quietly turned itself into a software company. Here is how Quadient bet its future on the mail nobody thinks about - the bills, statements and packages that decide whether a customer stays.
Cardda is a Chilean fintech (YC W22) building all-in-one spend management for Latin American businesses. It combines virtual and physical corporate cards, automated local and international transfers, reimbursements, and accounts payable in one dashboard, plus a payments API for mass payouts. It plugs into Chile's SII tax service and ERPs like SAP, Oracle, Defontana and Nubox, giving finance teams real-time control over company spending.
Cedalio is an AI agent platform for the office of the CFO that automates accounts payable, procurement, and utility-bill processing. Its specialized agents read invoices and bills from email, portals, and drives using vision models, run 3-way matching against purchase orders and receipts, flag duplicates and anomalies, and handle LATAM tax compliance before data reaches the ERP. Founded by ex-Wolox engineers and backed by Y Combinator (S23), the company began as a blockchain-verifiable database and evolved through sustainability data into finance automation, keeping auditability as its throughline.
Peakflo is a Singapore-founded, Y Combinator-backed (W22) finance automation platform that puts B2B accounts receivable and accounts payable on autopilot. It connects to accounting systems and ERPs to automate invoice collections, bill payments, expense reimbursements and reconciliation, helping finance teams get paid faster, cut vendor payment time and reclaim thousands of hours a month. Positioned as the AI-native alternative to legacy AP/AR tools for the mid-market and Southeast Asia.
Rohit Gupta is the co-founder and CEO of Auditoria.AI, a Santa Clara startup that builds AI agents for corporate finance teams. A serial entrepreneur with more than 25 years in enterprise software, he previously founded the cloud-security company Palerra (acquired by Oracle in 2016) and ran the Remedy IT Service Management division at BMC Software. He started Auditoria in 2019 to bring automation to the back office of finance, and in 2025 raised a $38M Series B to push the company into the agentic-AI era.
Weel (formerly DiviPay) is a Sydney-based fintech that gives Australian and New Zealand finance teams an all-in-one corporate card and spend management platform. It combines virtual and physical Visa cards, budget controls, approval workflows, accounts payable automation and AI-powered receipt and invoice capture so businesses can track every expense - from a coffee to a large invoice - in real time and sync it straight to their accounting system.
Docyt is a Santa Clara, California AI company that automates accounting and bookkeeping for small and mid-sized businesses, accounting firms, and multi-location operators. Its platform captures documents, reconciles the general ledger continuously, categorizes transactions, and produces real-time financial reports, layering on top of QuickBooks rather than replacing it. In 2025 the company launched HpAI (High Precision Accounting Intelligence), an accounting-specific AI engine trained on 128 billion accounting data points, with an initial vertical focus on hospitality and hotels. Founded in 2016 by Sid Saxena and Sugam Pandey, Docyt has raised roughly $27.2M to date.
Ascend is a San Francisco-based financial operations platform purpose-built for the insurance industry. It automates the money workflows brokers, agencies, wholesalers, MGAs and carriers deal with every day - billing and invoicing, premium collection and financing, cash application, commission reconciliation and carrier payables - so businesses close their books faster and cut manual accounting work. Founded in 2021 by Andrew Wynn and Praveen Chekuri, the company is trusted by more than 4,000 insurance businesses, including over half of the 50 largest brokers in the US, and in 2026 agreed to merge with premium finance firm Honor Capital to form what the companies describe as insurance's first fully vertically integrated, AI-powered financial operations platform.
Auditoria.AI is a Santa Clara-based enterprise software company that builds agentic AI agents for corporate finance teams, automating accounts payable and accounts receivable workflows across major ERP systems. Its SmartBots act as digital teammates that digitize invoices, chase collections, answer vendor and customer inquiries, and surface real-time cash intelligence - all governed by company policies and auditable at every step. Founded in 2019 by serial entrepreneur Rohit Gupta, the company processes more than $9B in invoicing and $2.4B in collections annually and raised a $38M Series B in early 2025.
Plooto is a Toronto-based fintech that automates accounts payable and accounts receivable for small and medium-sized businesses and the accounting firms that serve them. It unifies invoice capture, approval workflows, domestic and international payments, and two-way reconciliation with QuickBooks, Xero, and NetSuite - giving finance teams one place to control money moving in and out. More than 10,000 organizations across North America use the platform.
Routable is a San Francisco fintech that automates the unglamorous plumbing of business payments - accounts payable, mass payouts, and vendor onboarding. Founded in 2017 by Omri Mor and Tom Harel and backed by Y Combinator and the Altman brothers, its cloud-native platform captures invoices with AI-powered OCR, runs approval and compliance workflows, handles tax forms, and pushes money out via ACH, real-time rails, and cross-border methods while syncing back to accounting systems.
Rajeev Pathak is the co-founder and CEO of Hyperbots Inc., a Dover, Delaware-based startup building agentic AI co-pilots for corporate finance and accounting. Hyperbots raised a $6.5M Series A in May 2025 co-led by Arkam Ventures and Athera Venture Partners, bringing total funding to $8.5M+. Pathak previously founded funtoot, an education AI company acquired by Embibe in 2019, where he then served as SVP. Before that, he spent over a decade at Wipro running a $100M+ technology business and began his career as a satellite engineer at ISRO working on the INSAT program. He holds a PGSM from IIM Bangalore.
Ramp is a finance operations platform that combines corporate cards, expense management, bill pay, procurement, travel, treasury and accounting automation into one system. Built to save businesses time and money, it uses AI to cut manual finance work, enforce spend controls, and surface savings. Founded in 2019 by Harvard friends Eric Glyman, Karim Atiyeh and Gene Lee, Ramp serves 70,000+ organizations and reached a $44B valuation in June 2026.
Order.co is a New York-based AI-powered spend efficiency platform that consolidates business purchasing, approvals, payments, and reporting into one system. Founded in 2016 as Negotiatus and rebranded to Order in 2022, it helps mid-market and enterprise companies cut costs through AI-driven sourcing, a 17,000+ vendor network, and accounts payable automation, overseeing more than half a billion dollars in annualized spend for customers like WeWork, SoulCycle, and Hugo Boss.
Nanonets is a San Francisco-based AI company that turns messy, unstructured documents - invoices, receipts, contracts, claims - into clean, structured data that flows directly into systems like SAP and Salesforce. Founded in 2017 by Sarthak Jain and Prathamesh Juvatkar, the company builds OCR and deep-learning agents that automate the dull back-office work nobody wants to do.
Ofer Feldman is the Co-Founder and CTO of Stampli, a Mountain View-based AI-powered accounts payable automation company he co-founded with his brother Eyal Feldman in 2015. A computer engineer by training from Technion - Israel Institute of Technology, Ofer spent over a decade building software across defense, enterprise, and healthcare sectors before channeling that depth into Stampli. Under his technical leadership, Stampli has grown to process over $100 billion in invoices annually for 1,600+ businesses, raised $145.7 million in total funding including a $61M Series D led by Blackstone in 2023, and pioneered Cognitive AI that brings human-level PO matching to finance teams worldwide.
Sarthak Jain is the CEO and co-founder of Nanonets, a San Francisco-based AI company that automates document-heavy business workflows for enterprises. A two-time founder and IIT Gandhinagar gold medalist, he previously built and sold Cubeit to Myntra before launching Nanonets through Y Combinator's Winter 2017 batch. Under his leadership, Nanonets grew from an OCR tool to a $100M ARR autonomous AI agents platform serving over a third of the Global Fortune 500 - with just 130 employees.
Ottimate (formerly Plate IQ) is an AI-powered accounts payable automation platform that captures, codes, verifies, and pays invoices end-to-end. Founded in 2014 to fix the back-office mess inside restaurants, it now serves CFOs and AP teams across hospitality, healthcare, construction, retail, and grocery.
Stampli is an AI-powered accounts payable and procure-to-pay platform that centers all invoice communication, approvals, and payments around the invoice itself. Founded in 2015 by brothers Eyal and Ofer Feldman, the Mountain View company is best known for Billy the Bot, an AI agent trained on more than $150B in annual spend that codes invoices, matches POs, and flags duplicates across 70+ ERPs.

Shawn Lane is the Chief Executive Officer of Ottimate, an AI-powered accounts payable automation and payments platform serving mid-market businesses across hospitality, healthcare, construction, retail, and manufacturing. With more than 30 years of experience scaling enterprise SaaS and supply chain software companies - from Procter & Gamble to i2 Technologies to E2open - Lane brings rare operational depth to one of fintech's fastest-growing categories. His career is a through-line of companies that challenged legacy processes with intelligent automation, and Ottimate is his biggest stage yet.
Barrett Boston is the former Chief Executive Officer of Ottimate (formerly Plate IQ), a San Francisco-based AI-powered accounts payable automation platform. Appointed CEO in October 2021 following FTV Capital's majority investment, Boston transformed the company from a restaurant-focused invoice tool into a multi-industry AP automation leader serving hospitality, healthcare, grocery, retail, construction, and manufacturing sectors. Under his leadership, Ottimate rebranded from Plate IQ, raised $160 million in Series B funding, launched an industry-first AI engine for AP, and introduced Conversational AP - an AI assistant for finance teams. Boston stepped down in March 2026, passing the CEO role to Shawn Lane. His career spans IBM, TravelClick, TriNet, and Merrill Lynch, with an MBA from Harvard Business School and a BA in Economics from Duke University.
Eyal Feldman is the co-founder and CEO of Stampli, the Mountain View-based AI-powered accounts payable automation platform that processes over $100 billion in annual invoices for 1,700+ enterprises. A former SAP implementation specialist turned fintech founder, Feldman built Stampli around a simple belief: that AP should be a collaborative process, not a bureaucratic bottleneck. Under his leadership, Stampli has raised $145.7M in total funding, earned the #10 Best CEO of 2024 recognition from Comparably, and become a G2 Leader in 9 categories for AP automation software.