8 best accounts payable software for UK businesses

iplicit stands out in this list as the best accounts payable software recommendation for most mid-sized UK organisations out there. iplicit gives you practical AP automation with native multi-entity consolidation and live reporting all within one finance system. Tipalti is the go-to in cases where cross-border supplier payments and tax compliance matter most. And then we have Medius, which works great for teams that process high volumes of invoices relatively.

Shortlisted platforms

#	Software	Best For
1	iplicit	Mid-market UK businesses that want AP automation built into their core finance system
2	Tipalti	Businesses paying a large, global supplier base across multiple currencies
3	Medius	Finance teams that want a dedicated AP tool to work alongside their existing system

AP is one of the first finance processes to show strain

Many UK organisations start with basic AP features in their accounting software or spreadsheets. But once invoice volumes grow, new subsidiaries appear, and overseas suppliers increase, everything goes haywire.

That's why we've compared eight of the best accounts payable software platforms for growing UK organisations. We assess each tool’s intelligent data capture features, approval routing, multi-currency payments, and overall costs to help you find the best fit.

Why listen to us?

At iplicit, we provide accounting software to over 2,000 mid-market finance teams including the Abbey Group. The recommendations in this guide draw on our deep understanding of our clientele and practical experience from working with businesses teams across the UK.

How we compared these tools

We make iplicit, so this isn't an independent review. Our comparison criteria — automation depth, multi-entity handling, integration options and pricing transparency — reflect the issues UK finance teams consistently raise when choosing accounts payable software. We've checked competitor features and pricing against publicly available product documentation and pricing pages, current at the time of writing; iplicit's own product and pricing information comes from our documentation and product team. This guide was last reviewed on 24 September 2026.

What is accounts payable software?

Accounts payable software automates the management of vendor billing. This includes invoice receipt, capture, coding, approval, and payment.

The software uses OCR and AI to capture data from invoices sent by email, supplier portals, or scanned documents. It then validates the data, matches invoices to purchase orders, applies coding rules, and releases payment, sometimes even in multiple currencies.

For UK organisations, AP software simplifies VAT processing. It also supports Making Tax Digital requirements and provides businesses with stronger audit trails.

8 best accounts payable software for UK-based businesses in 2026

Here’s a quick side-by-side look at each tool on this list:

#	Tool	Best for	Multi-currency support	Intelligent OCR	Starting price
1	iplicit	Mid-market UK/Ireland businesses wanting AP built into their core finance platform	Yes, native to the ledger	Yes, native AI invoice processing	Custom quote
2	Tipalti	Large, global supplier bases paid across multiple currencies	Yes, 120+ currencies, 196 countries	Yes, AI-based smart scan	From a £99/month platform fee, plus transaction fees
3	Medius	Mid-market to enterprise teams wanting a dedicated AI-led AP specialist	Yes	Yes, AI/ML-driven capture	Custom quote across two tiers
4	SAP Concur	Invoice, expense, and travel spend in one suite, especially alongside SAP ERP	Yes	Yes	Concur Invoice priced per document; Concur Expense billed per active user
5	Coupa	Large enterprises needing full procure-to-pay, not just AP	Yes	Yes	Custom quote; realistic entry from around £50,000/year
6	Compleat Software	UK finance teams migrating off Sage, wanting AP plus purchase-to-pay together	Limited versus global specialists	Yes, AI/OCR capture	Custom quote, positioned as one of the more affordable options
7	Yooz	UK finance teams wanting fast-to-implement, OCR-led AP with strong Sage integration	Yes	Yes, core strength	Custom quote, tiered by monthly document volume
8	Basware	Multi-ERP, multi-entity organisations wanting an analyst-recognised invoice platform	Yes	Yes, SmartCoding and SmartPDF	Custom subscription, priced by invoice volume and users

iplicit

iplicit is a cloud-native finance platform built for mid-sized UK organisations that have moved past basic accounting tools but do not require a full enterprise ERP. It integrates AP automation features such as AI-assisted invoice handling directly with native multi-entity consolidation, automated inter-company postings and real-time reporting.

The best thing about iplicit is that finance teams can lead the implementation themselves without needing any sort of external help. They can achieve the go-live in a matter of weeks while keeping all processes in a single UK-hosted system.

Key features

• AI document intelligence: OCR reads every invoice you receive into your dedicated inbox and extracts all its important header & line item data before suggesting potential supplier/PO matchups.
• Multi-entity aware matching: For businesses operating multiple legal entities, iplicit can auto-apply invoice lines to each relevant company.
• AI-powered bank reconciliation: iplicit matches statement lines against the payments already posted to the ledger, so you can close off the AP cycle without ticking items back manually.
• Configurable, multi-level approval workflows: Teams can set up approval routes for invoices, purchase orders & expenses, and have a full audit trail of who approved what.
• Open API & third-party AP solutions available: If you’d prefer, iplicit integrates with specialist AP tool providers, including Light Year.
• Multi-currency support: Post supplier invoices in any currency, with live FX feeds and automatic revaluation at month end.

Pricing

iplicit uses custom pricing based on business size and requirements, with no published price list and no free trial. Get in touch for a tailored quote based on your invoice volume and entity structure.

Pros

• Native multi-entity and inter-company structures with all associated transactions supported
• Finance teams can work independently and configure approvals without IT or development involvement
• UK English, UK workflows and UK-based support are consistent throughout the platform
• Full AP automation takes place within the core of your financial systems
• Real-time visibility of data across your organisation

Cons

• You will need to discuss pricing directly since it’s configured for each organisation’s profile.

2. Tipalti

Tipalti is a global finance automation platform that focuses on accounts payable, mass payments, and supplier onboarding. Mid-market teams can use Tipalti to automate supplier payments across multiple countries. But the platform works best for large-scale businesses that are dependent on several international payouts and suppliers.

Key features

• Global mass payments: Supports payments across multiple currencies, countries, and payment methods.
• AI-based invoice capture: Tipalti uses AI to automatically process and code incoming invoices into the system.
• Flexible pricing model: Tipalti uses a usage-based pricing structure rather than charging per user, making it easier for larger finance teams to scale access across the organisation.
• PO matching & configurable approvals: Tipalti checks incoming invoices against open purchase orders and can route them by amount, department or entity. Keep in mind that this feature is only available on Tipalti’s Advanced tier and above.

Pricing

• Tipalti offers two tiers:
• Tipalti Accounts Payable: Starts at £99/month
• Tipalt Mass Payments: Starts at £199/month
• It’s important to note though that these are starting prices rather than fixed packages. Final costs depend on your business structure and needs. Additional transaction fees range from £0.20 to £36 depending on the payment method, and implementation fees may also apply and drive the actual cost well above the starting prices.
• There is also no ‘free trial’ to try their service out before committing.

Pros

• A wide-ranging array of supported currencies & countries ideal for dealing with international suppliers
• Additional approvers don’t raise your overall cost significantly
• Reduces manual AP workloads, saving teams time
• Integrates with various accounting & ERP packages, ranging from NetSuite through Sage & QuickBooks

Cons

• Higher total costs once transaction and FX fees are included
• Slow and occasional delays in payment processing
• Not suitable for businesses with fewer than a 100+ invoices per month

3. Medius

This platform helps mid-sized and larger companies manage their accounts payable functions through fraud detection, touchless invoice processing, and an agentic AI-driven approach to AP processes. Medius’ AI can match invoices against purchase orders, detect anomalies, and flag potential risks without requiring users to manually enter data.

Key features

• AI-led touchless processing: By using machine learning, this tool automates much of the invoice capture and coding process, reducing the need for manual input from approvers.
• Real time fraud & risk detection: Sends live alerts to users once changes in supplier bank details, unusually high/invoice amounts, and other potentially fraudulent activity could be occurring.
• Medius Copilot & supplier conversations: Teams can ask questions regarding a specific invoice while suppliers can also receive automatic responses to their payment status queries.
• Embedded payments and Multi currency support: As soon as an invoice gets approved, Medius releases the payment from within the platform. Due to this, there is no file export into a separate banking portal. It also supports multiple currencies and routes payments to suppliers in different countries.

Pricing

• There are two subscription levels available when purchasing Medius. These are AP Essential and AP 360.
• Each level differs primarily based on user counts and the addition of modules like Medius Pay and Supplier Management. As with most AP SaaS platforms, no price points have been publicly shared for each tier. It only offers quotes tailored toward your business needs.

Pros

• Delivers high touchless processing rates, reducing manual intervention on larger volumes
• Fraud detection and policy enforcement are embedded in the core platform
• With the help of embedded payments, it cuts the invoice processing time by a good margin
• European roots and e-invoicing support align well with UK compliance expectations

Cons

• Reporting customisation feels limited
• The initial user and authority group setup process requires quite a lot of manual effort and many new users find the user interface of the platform non-intutive to start with
• There’s a need for regular updates that can be a hassle to keep up with.

4. SAP Concur

SAP Concur could be a good choice if you’re already using SAP as your main ERP. It offers spend management across travel, expenses, and invoices, with its ‘AP’ functionality being Concur Invoice.

It can handle 3-way matching and approval routing, but is integrated into a wider travel and expense platform. It’s not an AP specialist tool, only working as part of another larger system, though. If you’re not in the SAP ecosystem, you may have to look for more robust software like iplicit.

Key features

• Concur invoice: Automatically captures invoice data, checks for duplicates, matches invoices against purchase orders and receipts, and sends them through the approval process.
• Deep SAP ERP Integration: As Concur works inside SAP, it can send financial data from Concur back into SAP easily without needing complicated integrations.
• Native system integrations: Beyond just SAP, the app has built-in connections with many other types of ERP, HR and CRM systems.
• AI-based transaction auditing: SAP Concur says they audit all transactions against policy automatically, flagging up exceptions for further investigation.

Pricing

• Concur has a blended pricing model that charges users for each invoice document they process. It also has a monthly subscription for each user accessing Concur.
• There are no exact prices published publicly by the company. If you are interested, you will have to reach out to their sales team in order to get a custom quote.

Pros

• Combines travel, expense, and invoice management into a single platform
• It blocks the expenses that contradicts with company policy
• Offers a broad range of integrations available
• Performs AI-powered policy audit checks across the entire data set

Cons

• Outdated and complex interface
• Implementation or configuration requires the help of external consultants which comes with an extra cost attached to it
• Best value appears to be found amongst larger organisations with an SAP integration

5. Coupa

Coupa’s accounts payable functionality exists as one module in its full-featured ‘business spend management’ solution. It covers everything from sourcing and procurement right down to invoicing and expense tracking.

Coupa is best suited for large organisations with dedicated procurement teams managing complex, high-volume purchasing. Mid-market teams may find that they are paying for functionality they do not fully use, especially if they only need AP automation.

Key features

• Full procure-to-pay life cycle: Coupa covers all aspects of the procure-to-pay process including sourcing, purchase orders, invoicing and payments.
• Multi-level automated invoice validation: Invoices pass through configurable, rule-based approval workflows based around your organisation’s purchasing policy.
• AI-powered spend analysis: Built-in dashboards that provide insight into how your working capital is being spent throughout the organisation, plus where potential savings exist.
• Supplier self-service: Includes a supplier portal to help reduce admin tasks involved with onboarding suppliers and tracking invoice statuses.

Pricing

Coupa uses custom, quote-only pricing. Based on published deal data, small and mid-market deployments typically start somewhere between £37,000 and £110,000 a year for a basic configuration. Multi-module enterprise rollouts can reach seven figures annually once implementation is included.

Pros

• Genuinely comprehensive spend management (not just limited to AP)
• Analytics and spend visibility across your procurement function
• You can easily access Coupa on mobile as well to track expenses or manage approvals
• Mature integration support for major ERPs

Cons

• The pricing and total cost of ownership levels are prohibitively high for those without large-scale procurement operations
• You can not design custom reports easily as the platform is a little rigid when it comes to customisation
• Steep learning curve, especially for occasional or non-technical users

6. Compleat Software

Compleat Software is a UK-founded purchase-to-pay (and AP automation) solution. It is designed specifically for finance teams looking for invoice automation alongside lightweight procurement functionality.

Compleat tends to be very popular amongst UK organisations that have previously been using Sage 50 (or equivalent) and are looking to move upmarket, but don’t yet want full-blown ERP functionality.

Key features

• AI-based invoice capture & 3-way matching: All invoices are captured either via email or via scan. They are then automatically matched against your Purchase Orders and Goods Received prior to being approved.
• Integrated online buying marketplace: A built-in ‘buying marketplace’ (including Amazon Business) allows you to configure approved catalogues where your budget holders can purchase things without ever having to leave the system you use for your AP.
• Configurable approval workflows: You can define multi-level approval routing rules that apply depending on your department, amount, or which supplier they’re ordering from.
• Integration with Sage, Dynamics & NetSuite: Compleat has one of the best integrations available when working with Sage accounts, especially. The software also integrates with other popular accounting software such as Dynamics and NetSuite.

Pricing

Compleat does not publish pricing publicly and uses a custom-based pricing model. No free trial is publicly listed.

Pros

• Strong, longstanding Sage integration, which suits UK businesses migrating off Sage 50 or Sage 200
• It’s a software targeted towards and suitable for small to mid-market businesses and not large enterprises
• The approvals are fast as it process requests quickly through custom workflows
• It comes with built-in online buying which reduces the need for a separate procurement tool

Cons

• International, multi-entity VAT and GST handling is less complete than that of global specialists
• Compleat can feel slow or lag a little especially when the traffic on the platform is high
• Its implementation can take longer than you expect when multiple existing systems and stakeholders are involved

7. Yooz

Yooz is a cloud-based AP and purchase-to-pay automation platform and has a UK office as well. The platform is all about AI-driven invoice capture and fast implementation.

Key features

• AI and RPA-based invoice capture: Yooz processes most invoices automatically without any prior configuration, using its self-learning recognition technology.
• Fraud prevention tools: The system flags fake or duplicate invoices and unusual payment amounts automatically as part of standard processing.
• Multi-currency, multi-language support: Yooz supports transactions in multiple currencies and several languages. This makes it usable for businesses with some international supplier activity.
• Native Sage integration: Yooz is built to work directly within Sage 50, Sage 200, and Sage Intacct environments. But a third-party connector is required to complete the integration.

Pricing

Yooz uses custom, tiered pricing based on monthly invoice or document volume. There’s no flat published price available, and a quote requires contacting Yooz or a reseller directly.

Pros

• Fast, low-friction implementation reported by reviewers relative to more complex enterprise AP platforms.
• Genuine, named UK customer base, including Five Guys UK
• Strong, specific Sage integration for UK businesses already on Sage
• High automation rate on invoices with no prior configuration needed

Cons

• Global mass payment functionality is less developed than in specialist platforms
• Multi-entity consolidation occurs mainly through integrations
• Best results require reasonably consistent invoice formats

8. Basware

Basware is an invoice lifecycle management platform that works especially well within organisations where there are several enterprise resource planning (ERP) solutions involved. It also works with organisations spread out over various countries, each with its own unique e-invoicing compliance requirements.

Key features

• SmartCoding and SmartPDF: These are AI-powered capabilities that automatically code invoices and extract relevant data from PDF versions.
• Global e-invoicing compliance support: A huge plus point, given how fast regulatory regimes move and change, the solution natively handles e-invoicing mandates in some 60 countries.
• Native ERP connection options: That means you can connect up your various ledgers without worrying about compatibility problems, even if there are numerous ones. And, if you want further help here, then Basware offers bespoke implementation and specialist configuration service packages too. But of course that comes with additional cost, unlike with software like iplicit where the implementation process doesn’t need any external help.
• High levels of touchless processing: The platform Basware claims that its customers generally report high usage figures for these processes. They usually achieve over 80% no-touch invoicing, which, if true, represents considerable savings.

Pricing

Basware uses a custom subscription model priced by invoice volume and number of users. Implementation and specialist configuration services are priced separately, though. There is no published starting price. UK government procurement documentation confirms it is available and supported through the G-Cloud framework.

Pros

• Strong, independently verified analyst recognition (Gartner and Forrester both rate it a Leader)
• Genuinely deep multi-ERP and multi-country compliance capability
• High reported customer retention and strong Gartner Peer Insights ratings
• Reviewers describe implementation as more manageable than its enterprise positioning might suggest

Cons

• No published pricing, and the platform is generally positioned toward larger or more complex organisations than a typical 50–500 staff UK business.
• Some reviewers note that adjusting spend plans in bulk can be inflexible
• Overall scale and compliance depth may be more than a single-country UK mid-market business needs

Choose your software by scale, not by a feature list

Each of these platforms on the list handles accounts payable differently for different use cases. So the right accounts payable software for your business comes down to:

How much invoice volume do you have

How international your supplier base is

And if you want AP to be a standalone tool or integrated with your core finance system

For businesses that would rather avoid managing AP as a standalone platform, iplicit brings invoice processing, approvals, and multi-entity consolidation into one system.

Book a demo to see iplicit capture, code, approve, and post your invoices across every entity in real time.

Sources and review information

Sources: vendor pricing pages, product documentation and publicly available feature comparisons for iplicit, Tipalti, Medius, SAP Concur, Coupa, Compleat Software, Yooz and Basware, current at the time of writing. iplicit's own product and pricing details come from our documentation and product team.

This guide was last reviewed on 24 September 2026. Vendor pricing and promotional offers change frequently — always confirm current pricing directly with the vendor before making a decision.