How much does BILL charge per payment?

BILL charges $0.59 per ACH payment, $1.99 per mailed check and $19.99 per international USD wire. A virtual card payment is free, and an international wire in the vendor's currency is free with the exchange rate applied. Pay Faster ACH costs $11.99, and paying by credit or debit card costs 2.9%.

What does Ramp charge for an international wire?

Ramp charges $20 per international wire in US dollars (SWIFT USD) and $15 per domestic wire. Both fees are waived when the bill is paid from a Ramp Checking Account.

Which AP software has no payment fees?

Brex lists $0.00 for domestic ACH, international ACH, checks, domestic wires and international wires. Third-party banks on the wire route and the recipient's bank may still charge their own fees, and a wire in another currency uses the exchange rate Brex chooses.

What does a same-day ACH payment cost?

Ramp charges $10 per same-day ACH payment, waived from a Ramp Checking Account. BILL charges $11.99 for Pay Faster ACH, which is same-day if scheduled by 10:00 am PT. Melio charges 1% with a $75 maximum.

Do vendors pay fees to receive a payment?

Sometimes. A vendor with a BILL account pays $0.59 to receive an ACH payment, 2.9% for a card payment and 1.25% for an Instant Transfer. At Ramp and Melio the vendor pays about 1% when it picks a faster payout, and a Melio vendor pays $0 to take a single-use virtual card.

Are payment fees included in the subscription price?

No. BILL, Ramp and Melio charge payment fees on top of the plan price, and Tipalti lists transaction pricing per invoice and payment as an additional fee with no dollar figure. Ramp bills its fees once a month on a separate statement that does not sync to the accounting system.

Bill pay fees compared: ACH, wire, check and card

Four AP vendors list their payment fees: BILL, Ramp, Brex and Melio. Brex lists $0.00 for ACH payments, checks and wires. BILL and Ramp both charge $0.59 per ACH payment and $1.99 per mailed check, and Ramp waives both when a bill is paid from a Ramp Checking Account. An international USD wire costs $19.99 at BILL and $20 at Ramp. Melio charges $0.50 per ACH payment once the free monthly allotment runs out. Fees as of 6 November 2026.

Fee by payment method, charged to the payer

Vendor	Standard ACH	Same-day ACH	Mailed check	Domestic wire	International in US dollars	Local currency abroad
BILL	$0.59 per ACH	$11.99 per Pay Faster ACH	$1.99 per check	Not listed	$19.99 per USD wire	Free, exchange rate applies
Ramp	$0.59 per ACH	$10 per same-day ACH	$1.99 per check	$15 per wire	$20 per SWIFT USD wire	Not listed
Brex	$0.00	Not listed	$0.00	$0.00	$0.00	$0.00, at the exchange rate Brex chooses
Melio	$0.50 after 5, 20 or 50 free a month by plan; free on Unlimited	1%, $75 maximum	$1.50	$10	$20 per global payment in USD	Conversion rates apply

Ramp waives its standard ACH, same-day ACH, check, domestic wire and SWIFT USD fees when a bill is paid from a Ramp Checking Account.

Faster and card options cost more:

BILL: Pay Faster Check costs $24.99 overnight, $19.99 for two-day and $14.99 for three-day delivery. A BILL Instant Payment costs 1.0%, with a $9.99 minimum and a $100 maximum. Paying BILL by credit or debit card costs 2.9%, and a BILL virtual card payment is free.
Ramp: overnight check delivery costs $20 and check attachments $1 a page, and stablecoin payments carry no fee.
Melio: a fast check costs $20 and an overnight check $50. An instant bank transfer costs 1% up to $75, and a same-day wire 1% with a $10 minimum and a $75 maximum. Paying by credit or debit card costs 2.9%.

Sources: BILL pricing, Ramp Bill Pay fees, Brex cost of services and Melio pricing.

International wires

An international wire in US dollars costs $19.99 at BILL and $20 at Ramp, and Ramp waives its fee from a Ramp Checking Account. BILL notes that its $19.99 USD wire fee may be transferred to the receiver. A wire in the vendor’s local currency is free at BILL with the exchange rate applied, so the cost sits in the rate.

Brex lists $0.00 for international wires. Third-party banks on the route and the recipient’s bank may still charge their own fees, and a wire in a currency other than US dollars uses the exchange rate Brex chooses. Brex card transactions in another currency carry a markup of up to 3%.

Melio sends a global payment in US dollars for a flat $20, or for 1% with a $30 minimum and $95 maximum on its faster option. A global payment in local currency is charged at Melio’s conversion rate.

What the vendor pays to receive a payment

Some of the fee lands on the vendor. A vendor with a BILL account pays $0.59 to receive an ACH payment, 2.9% for a card payment, $19.99 for an international USD wire and 1.25% with a $1 minimum for an Instant Transfer. A Ramp vendor can take a Faster Payment for the fee shown in its offer, typically 1%. A Melio vendor pays 1% for an instant payment to a debit card or bank account or a same-day ACH transfer, and $0 to take a single-use virtual card.

Fees outside the payment schedule

BILL lists four fees for payments that go wrong: $25 to void a check, $3 to void a returned check, $50 when a sender’s ACH fails after the receiver is paid, and $25 to re-debit after failed funding.

Ramp states four rules on how its fees add up:

Payments batched into one ACH or check to the same vendor carry one fee.
A failed ACH or check that is resent carries no second fee.
An invoice split across two payments carries a fee on each.
Overnight check delivery at $20 and check attachments at $1 a page are charged even from a Ramp Checking Account.

Ramp collects its fees on a monthly billing statement, and the fees do not sync to NetSuite, QuickBooks or any other accounting system, so each month needs a manual journal entry.

Vendors with no payment fee figure

Tipalti lists transaction pricing per invoice and payment as an additional fee on top of its $99 a month base fee, with no dollar figure. It pays by ACH, wire, check, Tipalti Card and local payment methods in more than 200 countries and territories. Routable includes domestic, international and instant payments in its $1,250 a month Growth plan and lists no per-payment fee. The other AP vendors in the AP automation pricing index quote their prices on request.

Payment fees in the cost per invoice

Payment fees make up most of the cost at Ramp and BILL. Ramp’s Free plan works out to $1.60 an invoice at every volume, almost all of it payment fees at the standard rates. BILL Essentials works out to $1.70 an invoice at 1,000 invoices a month and $1.64 at 5,000 invoices a month and 25,000 invoices a month. Brex works out to $0.000 an invoice at every volume.

The cost per invoice calculator changes the payment mix, and the pricing methodology sets out the default mix of ACH, check and international wire. The Ramp and BILL comparison adds card payments to the mix.