Best 5 accounts payable software for large enterprise companies in 2025

Managing accounts payable (AP) at the enterprise level means dealing with thousands of invoices, complex approval chains, and large volumes of vendor payments. In these environments, even minor delays or manual errors can lead to significant financial and operational disruptions. That’s why automation isn’t a nice-to-have—it’s essential.

Enterprise AP automation software helps streamline invoice processing, approval workflows, and payments to drive accuracy, speed, and internal control. But large organizations need more than just basic automation. They need platforms built for scale, integration, and reliability.

Based on verified user ratings from review platforms like G2, we’ve compiled five top-rated AP software solutions trusted by finance teams at enterprise-scale companies:

1. Ramp
2. Sage Intacct
3. Coupa
4. Stampli
5. S/4HANA Cloud

Before we dive into why these platforms are consistently recommended for enterprise AP, let’s walk through what features matter most when evaluating solutions at this scale.

What is enterprise AP automation and how to do it right

Enterprise AP automation refers to the use of digital tools to manage every step of the payables process—from invoice intake to payment reconciliation—within a single, integrated system. It replaces fragmented workflows, manual data entry, and email-based approvals with technology that ensures consistency, transparency, and efficiency across the organization.

Unlike basic AP tools designed for small businesses, enterprise-grade solutions are built to support:

• Large transaction volumes
• Complex approval routing
• Multi-entity accounting and consolidated reporting
• Seamless ERP integrations

To be effective, AP software must align with your company’s operational structure, compliance needs, and vendor ecosystem. It should also scale with growth—whether that’s across departments, entities, or global locations.

Core features to look for in AP software for large enterprises

The most reliable enterprise AP platforms offer a comprehensive set of features that reduce risk, improve data accuracy, and drive operational efficiency at scale. Key capabilities include:

• Intelligent invoice capture: Uses OCR and machine learning to extract data from any invoice format—paper, PDF, or digital—minimizing manual touchpoints
• Two-way and three-way matching: Matches invoices to purchase orders and receiving documents to detect discrepancies and prevent overpayments
• Flexible payment execution: Supports ACH, wire transfers, virtual cards, and other payment types, with built-in scheduling tools to manage payment timing
• Automated approval workflows: Routes invoices automatically based on department, spend thresholds, or custom business rules
• Real-time reporting and dashboards: Tracks liabilities, payment statuses, and bottlenecks across departments, business units, and entities
• Compliance and audit readiness: Enforces internal controls, logs approvals, and maintains detailed audit trails to support regulatory compliance
• Vendor self-service portals: Reduces support burden by allowing suppliers to submit invoices, update details, and track payment status independently

Why more enterprises are automating AP

The benefits of AP automation go well beyond cutting a few steps from the payment process. It allows for real, measurable improvements across finance, operations, and vendor management.

Here's what large companies gain by adopting the right solution:

• Increased efficiency and focus: Teams can spend less time on data entry and approvals, and more time on vendor strategy and cash management
• Lower operational costs: Automation reduces errors, prevents duplicate payments, and helps capture early payment discounts
• Better data reliability: Systematic capture and matching of invoice data improves reporting and reduces the time spent resolving discrepancies
• Audit and compliance support: With built-in controls and complete approval trails, it’s easier to maintain audit readiness year-round
• Improved vendor relationships: On-time payments and clearer communication build trust and long-term supplier confidence
• Stronger cash flow management: Real-time visibility into outstanding liabilities helps finance leaders plan payments and optimize working capital

Key takeaways

Enterprise AP automation is about more than going paperless. It’s about choosing a platform that can scale, integrate deeply, and handle complex workflows. The best solutions offer high reliability, strong user ratings, and robust features that reduce risk, improve accuracy, and support global operations.

Next, we’ll compare the leading AP software platforms so you can find the one that best fits your enterprise’s needs.

At a glance: AP automation software for large enterprises compared

When you need to manage accounts payable at scale, the right software makes all the difference. Here's a break down of five AP solutions that excel in automation, efficiency, and reliability for large enterprises.

1. Ramp

Ramp is a unified finance operations platform that seamlessly integrates accounts payable automation with robust tools for expense management, procurement, travel booking, and corporate card solutions. Our accounts payable features address the common pain points of invoice management and payment processes by eliminating inefficiencies, reducing errors, and giving you better control over spending.

To be fully transparent, we’re pretty proud of our AP software, and we believe its capabilities make it the top choice for large businesses. With intuitive automation features and a focus on minimizing friction, Ramp is a reliable solution for scaling financial operations.

But we’re not the only ones who think so. G2 reviewers rate Ramp a 4.8 out of 5 stars, and we consistently earn high marks for ease of use, quick implementation timelines, and high return on investment.

Key features

• Invoice scanning and automated matching: Automatically captures all invoice line items with 99% accuracy and converts them into an electronic format to ensure invoice information is searchable and prime for automation. Ramp’s AI for AP also automates data entry to handle 3-way matching, reconciliation, and more.
• Customizable approval workflows: Build smart approval workflows and establish routing rules to ensure reviewers can approve payments without delays.
• Seamless payment processing: Supports ACH, check, card, and international wire payments.
• Vendor management tools: Centralized vendor records and payment histories simplify relationships and compliance.
• Smart corporate cards: Get unlimited physical and virtual corporate cards with automated receipt capture and built-in controls that can automatically enforce your expense policy
• ERP and accounting software integrations: Syncs seamlessly with tools like QuickBooks, Sage, Oracle NetSuite, Xero, Microsoft Dynamics, and more to streamline reconciliation and reporting.

Serviceable markets

Ramp AP software supports businesses of all sizes, from AP solutions for small businesses to enterprise level needs. It’s particularly suited to companies with high invoice volumes and complex vendor networks.

Pricing

Ramp’s free plan includes core AP features like optical character recognition (OCR) invoice extraction, basic approval workflows, and paying bills with check or ACH.

The Plus package is $15 per user per month, giving you access to advanced approval workflows, batch payments, and payment release approvals. The Enterprise package offers customized and scalable pricing for additional features and dedicated support.

2. Sage Intacct

Sage Intacct is a cloud-based financial management platform recognized for its strong accounting capabilities within Sage's software ecosystem. Its AP automation features streamline workflows by addressing common challenges like manual data entry, approval bottlenecks, and lack of visibility into payables.

Sage received a rating of 4.3 out of 5 stars from G2. Reviewers like its user-friendly interface, ability to handle multiple entities, and customized reporting options.

Key features

• Centralizes payables across multiple entities, making it easier to consolidate and organize invoices for complex enterprises.
• Dashboards provide insight into payables, payments, and cash flow.
• Integrates with popular ERP systems and other tools, including ADP, Avalara, Salesforce, and more.

Serviceable markets

Sage Intacct is great for mid-sized to large enterprises operating across multiple locations or entities. It offers specialized features for industries like healthcare, professional services, software-as-a-service (SaaS), and nonprofits.

Pricing

Sage Intacct tailors pricing to each customer’s needs, with costs varying based on modules, features, and the number of users. Prospective customers must request a consultation to get a quote.

3. Coupa

Coupa is a spend management platform known for its procurement, invoicing, and expense management capabilities. Its AP automation software serves businesses by addressing pain points like inefficient invoice processing, lack of vendor collaboration, and fragmented payment workflows. By streamlining these processes, Coupa helps companies reduce errors, save time, and gain visibility into their spending.

Coupa has a rating of 4.2 out of 5 stars on G2. Users like its ability to integrate AP processes with broader spend management and advanced analytics tools.

Key features

• Employees can easily find and manage requests and ensure they get to the right approvers through centralized requests and approvals.
• Provides vendors with a collaboration portal to submit invoices, check payment statuses, and communicate with AP teams.
• Supports multi-currency and multi-language invoicing for international operations.

Serviceable markets

Coupa targets large international organizations with complex supply chains and high transaction volumes. Industries like manufacturing, retail, healthcare, and technology benefit from its end-to-end spend management and AP solutions.

Pricing

Coupa bases pricing on the size and complexity of the business, with custom packages tailored to meet specific needs. Companies must schedule a demo to access pricing details.

4. Stampli

Stampli’s AP automation platform simplifies invoice management while promoting better collaboration between finance teams and other departments. By tackling common pain points like slow invoice approvals, communication breakdowns, and manual data entry errors, Stampli helps customers improve efficiency and reduce delays.

G2 reviewers give Stampli 4.6 out of 5 stars. Customers like its user-friendly interface and responsive customer support.

Key features

• Stampli centralizes invoice communication by embedding chat tools into its platform, creating a collaborative AP interface.
• Connects with popular ERP platforms to ensure smooth data flow and reconciliations.
• Tracks payment statuses and provides visibility to vendors, reducing follow-up inquiries.

Serviceable markets

Stampli is well-suited for mid-sized organizations, particularly those with decentralized teams that need better collaboration and streamlined workflows.

Pricing

Stampli offers custom pricing based on the business size, number of users, and desired features. Interested businesses must request a quote from Stampli.

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5. SAP S/4HANA Cloud

SAP S/4HANA Cloud is a comprehensive ERP suite that includes robust AP automation capabilities as part of its finance module. It helps enterprises reduce inefficiencies in invoice processing, improve compliance, and gain real-time insights into payables. Designed for scalability and integration, it’s a solid solution for companies looking to unify their finance operations on a single platform.

SAP S/4HANA Cloud has a rating of 4.5 out of 5 stars on G2. Customers like its effectiveness and ability to unify multiple processes for an entire supply chain.

Key features

• Customizable workflows enable automation of invoice approvals and payment processing, enhancing efficiency and reducing cycle times
• Streamlines the procure-to-pay cycle by integrating purchase orders with real-time visibility for purchasing teams
• Automates data entry by auto-populating recurring or predefined vendor fields

Serviceable markets

SAP S/4HANA Cloud is designed for large enterprises and multinational corporations across multiple industries. It’s well-suited for those that require deep customization and end-to-end financial process automation.

Pricing

While some pricing information is available through SAP’s public materials, most customers will need to talk with SAP’s sales team for a tailored quote based on business requirements.

What to consider before you implement an AP automation platform

Choosing the right AP automation platform a technical and operational decision. For large enterprises, success depends on how well the solution fits your systems, scales with your business, and supports your team from day one.

Here are four key areas to evaluate before you make a move:

1. Integration: Ensure real ERP compatibility

Most enterprise finance teams rely on ERPs like NetSuite, or Workday. Your AP platform should connect directly to these systems—not just pass data back and forth—to avoid duplication and delays.

Choose a platform with pre-built or certified ERP integrations, real-time syncing of invoice, vendor, and payment data, and support for multi-entity structures.

2. Scalability: Be ready for growth and complexity

Enterprise AP needs don’t stay static. Whether through organic growth or acquisitions, invoice volume, vendor networks, and compliance requirements increase over time. Look for a solution that offers reliable performance at high transaction volumes, support for global entities, currencies, and tax rules, and flexible approval chains and user roles that scale with your organization.

3. Usability: Focus on user adoption

Even the best AP software falls short if your team doesn’t use it. Finance users and business approvers need a system that works the way they do—fast, clear, and accessible.

Along with a clean, intuitive interface that requires minimal training, look for software that offers role-based dashboards and mobile access for approvals and visibility on the go.

4. Vendor fit: Choose a long-term partner

Enterprise AP automation is a long-term investment. You need a vendor that brings more than software—someone who understands enterprise requirements and can grow with you.

Here’s what to look for before choosing your partner:

• Accounts payable case studies or references from similar industries or org sizes
• Structured onboarding with dedicated implementation support
• Ongoing success programs (account management, SLAs, roadmap visibility)

If a vendor can’t confidently address your enterprise-specific needs during the sales process, that’s a sign they may struggle post-sale.

Choose the best-rated AP software for large businesses

For large businesses, accounts payable automation software must address challenges like handling high invoice volumes and inefficient manual processes while ensuring compliance and providing real-time visibility into financial operations. Ramp stands out as the top platform for AP automation by offering a user-friendly yet powerful solution that meets these requirements and more.

We know we’re biased, but here’s one of many AP automation success stories that showcases how Ramp transforms AP management for large businesses.

Ramp and The Second City: AP automation success story

Before partnering with Ramp, The Second City faced challenges with outdated payables processes. Its existing system involved clunky workflows, slow approvals, and a lack of real-time financial insights, which hindered operational efficiency.

Ramp Bill Pay transformed how The Second City managed invoices and vendor payments by automating invoice processing and approvals. Ramp eliminated manual bottlenecks, ensured timely payments, and integrated with the company’s ERP to streamline workflows so the finance team could focus on strategic tasks. As Frank Byers, Controller at The Second City, shared:

“When we moved to Bill Pay, I was hesitant because we were promised the same type of functionality as our previous technology, which didn’t work. But Ramp’s OCR works seamlessly—it not only recognizes the vendor but reads each individual line item and uses accounting rules to code them correctly. That made adopting Ramp Bill Pay a no-brainer.”

And the results were undeniable:

• 2x faster processing: Freed up valuable team resources
• $40,000 annual savings: Streamlined systems generated meaningful savings
• 8-day efficiency gain: Faster expense reporting eliminated delays

Not only did Ramp help The Second City process payables faster, they gained better visibility into its expenses, and reduced its administrative workload—all while gaining better control over financial operations.

Ramp Bill Pay: A month of AP done in minutes

Accounts payable is only one aspect of your company’s daily financial operations. To maximize the value of your software investment, choose a finance platform that combines AP automation with features like expense management, corporate cards, travel booking, and more.

That’s why we believe Ramp is the ideal choice for small, mid-size, and large businesses. On average, our customers save 5% annually thanks to our integrated expense management tools and smart savings recommendations.

See why leading enterprises choose Ramp. Sign up for a live demo to see why Ramp stands out as a reliable accounts payable solution for large businesses.