15 Best Accounts Payable Software in UK (2025)

Best Accounts Payable Software in the UK in 2025

In today’s automated finance landscape, choosing the right accounts payable software in the UK is critical for operational efficiency, tax compliance, and cost control. Whether managing a small business or scaling an enterprise, the best AP platform ensures automated invoice entry, real-time approvals, HMRC-recognized VAT filing, and seamless payment workflows. But with so many tools offering OCR, MTD support, and ERP integrations how do you select the most effective one?

As part of our ongoing evaluation of UK financial automation tools, we’ve analyzed and compared the leading accounts payable software platforms available in 2025. This year’s list ranks the top performers based on invoice automation depth, Making Tax Digital readiness, UK bank integrations, user experience, and cross-system compatibility.

Here are the Best Accounts Payable Software’s in the UK right now:

Xero – Best for small businesses with UK tax needs. Offers automated invoice entry, recurring bills, bank syncing, and full MTD compliance.
QuickBooks Online – Best for SMEs needing simple AP. Supports scheduled payments, expense tracking, VAT returns, and links with UK banks.
Sage Intacct – Best for mid-to-large enterprises. Enables multi-entity AP, approval workflows, and compliance with UK GAAP and IFRS standards.
Tipalti – Best for global AP automation. Manages cross-border vendor payments, tax forms, and currency conversions for large finance teams.
AccountsIQ – Best for multi-entity accounting. Offers invoice scanning, consolidated reporting, and integration with UK-based ERP tools.

Want to cut costs, boost speed, and stay compliant? Explore the full breakdown of the UK’s leading AP software and see which one fits your business best.

Top 15 Best Accounts Payable Software in UK

Moss– Best for spend management platform streamlining company expenses and corporate cards
Tipalti – Best for global payables automation and mass payouts
Precoro – Best for cloud-based procurement software simplifying purchasing
Payhawk– Best for all-in-one spend management solution for payments
Pleo – Best for smart expense management platform offering company cards
FreshBooks – Best for accounting software designed for small businesses and freelancers.
SAP Concur Invoice – Best for large teams with complex approval flows
Lightyear – Best for real-time invoice capture and PO matching
Quadient AP (Beanworks) – Best for cloud AP workflows and mobile approvals
FreeAgent – Best for contractors and sole traders in the UK
Kefron AP – Best for AI-driven invoice digitization and storage
Compleat – Best for budget control and finance team visibility
Yooz – Best for AI-powered AP automation and fraud detection
Telleroo – Best for bulk UK payments via Faster Payments integration

Before You Continue…

Choose accounts payable software with built-in communication tools. HubSpot CEO Brian Halligan states, “Good communication is the bridge between confusion and clarity.” AP systems with integrated messaging streamline invoice queries, vendor coordination, and internal approvals. Ensure invoice processing tools support real-time collaboration. Clear communication reduces delays, errors, and duplicate payments. Spend time evaluating platforms with in-app chat, email tracking, and role-based comment features. Absorb the benefits of automated workflows combined with audit-friendly communication logs. Optimize team efficiency by choosing AP software that aligns communication with transaction actions.

Question to Ask When Choosing the Best Accounts Payable Software in the UK

Does the software support Making Tax Digital (MTD) for VAT submissions to HMRC?
Does it automate invoice capture, approval workflows, and batch payments?
Does it integrate directly with major UK banks for real-time payments and reconciliation?
Does the tool support UK-based audit trails, fraud detection, and vendor compliance?
Can it manage multiple UK business entities, currencies, and supplier tax profiles accurately?

How This Top 15 List Was Created

The Top 15 list was created using entity-focused research from UK-based accounting, finance, and enterprise software directories. Sources include Capterra UK, Trustpilot, Companies House, and vendor documentation. Tools were selected based on market adoption, UK regulatory compliance, and AP functionality. Attributes such as OCR scanning, VAT support, multi-currency processing, and automation scope were prioritized. Selection also considered native UK support, Making Tax Digital (MTD) readiness, and integration with HMRC-approved systems. Platforms with scalable features, secure payment processing, and supplier collaboration tools were included. Public product documentation and verified user case studies were used to validate performance.

1. Moss – Best for UK Teams Seeking Flexible Spend Control & Automation

Moss empowers UK companies to simplify spend management by offering smart corporate cards, automated invoice handling, and real-time budget tracking. Designed for finance teams, Moss streamlines workflows with customizable policies and seamless integrations.

Reviews

Finance professionals across mid-sized to large UK firms appreciate Moss for its intuitive interface and efficient budget controls. It’s often praised for reducing manual tasks, while some users note that card issuance policies may require initial setup time for scaling teams.

Features of Moss

Issue unlimited virtual & physical cards with limits
Automate invoice capture, approvals, and categorisation
Real-time budget tracking and spend insights
Customisable approval workflows for team-level control
Reimbursements with automated compliance checks
Direct integrations with accounting tools like Xero and DATEV
Multi-entity and multi-currency support for UK/global teams

Final Verdict

Moss is ideal for growing UK teams and enterprises seeking smarter, scalable control over expenses, budgets, and payments.

Pros of Moss

Fast setup with intuitive UI
Flexible card issuance and expense control
Real-time budget visibility
Seamless accounting integration
Ideal for distributed or hybrid teams

Cons of Moss

Limited custom reporting for complex audit needs
Setup effort required for policy-based controls

2. Tipalti – Best for global payables automation and mass payouts

Tipalti automates global AP for companies handling cross-border transactions. It handles supplier onboarding, tax compliance, FX conversion, and payment scheduling in 190+ countries. UK finance teams use it to unify multi-currency payables with audit-ready records.

Reviews

Users praise Tipalti for automating complex international workflows. Enterprises value its built-in tax form collection, compliance controls, and fraud detection. Some report a steeper implementation phase.

Features of Tipalti

Process mass global vendor payments
Auto-collect W-8/W-9 and VAT forms
Convert payments in multiple currencies
Automate AP workflows with approvals
Detect duplicate invoices and fraud
Integrate with ERP and accounting platforms
Generate audit-ready payment trails

Final Verdict

Tipalti is suited for UK firms managing high-volume or global supplier payments with compliance at scale.

Pros of Tipalti

Cross-border AP automation
FX management and multi-currency support
Built-in tax compliance tools
End-to-end payment traceability
Reduces manual workload significantly

Cons

Setup may require expert involvement
Costly for small businesses

3. Precoro – Best for UK Teams Needing Streamlined Procurement & Approval Flows

Precoro helps UK businesses simplify and automate procurement processes with built-in purchase order management, approvals, and budget tracking. It’s designed for teams that want better visibility and control over company spending without complex systems.

Reviews

UK finance and operations teams appreciate Precoro for its ease of use and customizable workflows. It’s often chosen for PO automation and expense transparency. Some users mention the lack of advanced reporting for enterprise-level analysis.

Features of Precoro

Create and manage purchase requests and POs easily
Automate approval workflows for each department
Track budgets and spending in real time
Manage suppliers and catalogs centrally
Generate customizable reports and audit logs
Integrate with tools like QuickBooks, Xero, and NetSuite
Multi-location and multi-currency support

Final Verdict

Precoro is best for UK teams looking to digitise procurement, improve spend oversight, and reduce manual paperwork.

Pros of Precoro

User-friendly interface with fast onboarding
End-to-end purchase-to-pay process
Real-time budget tracking
Strong supplier and item catalog management
Scalable for growing teams

Cons of Precoro

Lacks deep analytics for complex enterprise needs
Limited mobile functionality compared to some competitors

4. Payhawk – Best for UK Companies Seeking Unified Spend, Expense & Invoice Control

Payhawk offers an all-in-one solution for managing company expenses, invoices, and payments with built-in corporate cards. Tailored for finance teams, Payhawk helps UK businesses streamline workflows, eliminate manual work, and gain full control over company spend.

Reviews

Finance leaders in the UK value Payhawk for its end-to-end spend visibility and automation. It’s praised for strong integrations and international support. Some mention the need for more advanced customization in reporting and workflows for niche industries.

Features of Payhawk

Issue corporate Visa cards with spend limits
Automate expense claims and approvals
Capture invoices and match them to POs
Real-time tracking of company-wide spend
Reimburse employees directly from the platform
Integrate with accounting systems like Xero, NetSuite, and SAP
Multi-entity, multi-currency support for global teams

Final Verdict

Payhawk is ideal for modern UK businesses looking to centralize expense management, automate approvals, and ensure financial compliance.

Pros of Payhawk

Complete spend visibility from a single platform
Strong integration with ERP and accounting tools
Fast, automated invoice and expense processing
Global support for multi-currency companies
Mobile app for on-the-go expense capture

Cons of Payhawk

Reporting features may require enhancement for advanced users
Initial setup can be time-consuming for large-scale teams

5. Pleo – Best for SMEs Needing Smart Expense Automation with Prepaid Cards

Pleo offers modern expense management tools for UK SMEs, combining smart company cards with real-time spend tracking, automated receipt capture, and seamless accounting integrations. It simplifies approvals and expense categorization while ensuring control and visibility across all transactions.

Reviews

UK teams value Pleo for its intuitive card system and automated receipt handling. It’s praised for saving time on manual reimbursements and improving policy enforcement. Some users mention the need for deeper analytics and reporting features for complex finance operations.

Features of Pleo

Issue prepaid virtual and physical cards to employees
Automate expense categorization with AI
Capture receipts via mobile app or email forwarding
Set spending limits and approval flows
Sync transactions with accounting software like Xero, QuickBooks, and Sage
Track spending in real time by team or project
Export reports for finance and tax compliance

Final Verdict

Pleo is perfect for small to mid-sized UK companies looking to automate expense reporting and gain control over team spending.

Pros of Pleo

Smart company cards for simplified spend tracking
Automated receipt matching and categorization
Seamless integration with UK accounting tools
Real-time dashboards and budget controls
Great mobile experience for users on the go

Cons of Pleo

Reporting features may be limited for large finance teams
No native support for vendor bill or AP automation

6. Fresh Books – Best for freelancers and startups with MTD support

Fresh Books offers affordable AP features for UK freelancers and micro-businesses. It supports vendor billing, bank feeds, expense automation, and MTD-compliant VAT filing. It also includes AI-powered categorization and mobile invoicing.

Reviews

Users appreciate Fresh Books for its simplicity, cost-efficiency, and HMRC compatibility. Freelancers highlight the built-in VAT tools and expense tracking. Some users feel integrations are limited compared to larger platforms.

Features of Fresh Books

Create and manage vendor bills
Automate recurring AP entries
Connect and reconcile UK bank accounts
File MTD VAT returns with HMRC
Digitize receipts using mobile scanning
Track payables and generate reminders
Access reports for cash flow and due bills

Final Verdict

Fresh Books is ideal for small UK firms wanting low-cost AP with full tax compliance.

Pros of Fresh Books

Built-in MTD VAT filing
Free plan for small businesses
Simple automation tools
Mobile invoice and receipt support
Easy-to-use dashboard

Cons of Frssh Books

Less suited for growing multi-entity teams
Limited third-party integrations

7. SAP Concur Invoice – Best for large teams with complex approval flows

SAP Concur Invoice enables large UK companies to manage complex AP processes. It automates invoice capture, matching, and approvals while offering full policy controls and analytics.

Reviews

Enterprises rate SAP Concur highly for scale, governance, and control. It’s often used by finance leaders for policy enforcement and workflow visibility. Some mention a steeper learning curve and pricing concerns.

Features of SAP Concur Invoice

Digitally capture and approve invoices
Enforce policies with custom approval paths
Match invoices with POs and goods receipts
Track audit logs and spending by cost centre
Automate duplicate invoice detection
Connect to ERP systems like SAP and Oracle
Access analytics dashboards and compliance tools

Final Verdict

SAP Concur Invoice is best for UK enterprises needing policy-driven AP automation.

Pros of SAP Concur Invoice

Advanced approval configuration
Scalable enterprise-grade features
ERP integration and analytics
Full compliance audit trail
Suitable for high-volume AP

Cons of SAP Concur Invoice

Expensive for small teams
Requires time to configure workflows

8. Lightyear – Best for real-time invoice capture and PO matching

Lightyear automates AP for UK finance teams with OCR invoice capture, real-time approvals, and PO matching. It integrates with Xero, QuickBooks, and NetSuite.

Reviews

Users value Lightyear for invoice accuracy, quick approvals, and audit readiness. It’s praised by finance teams with heavy purchase orders and supplier volume. Some request expanded reporting options.

Features of Lightyear

Scan and extract invoice data via OCR
Match invoices with POs and delivery notes
Customize multi-step approval flows
Store invoice documents in the cloud
Export to accounting tools and ERPs
Gain real-time insights and exception alerts

Final Verdict

Lightyear is suited for UK SMEs needing accurate invoice scanning and fast PO validation.

Pros of Lightyear

OCR-based invoice capture
Real-time PO/invoice matching
Scalable approval workflows
Integrates with major UK accounting apps
Secure digital document storage

Cons of Lightyear

Limited advanced analytics
Some delays in supplier sync

9. Quadient AP (formerly Beanworks) – Best for cloud AP workflows and mobile approvals

Quadient AP enables UK teams to fully digitize accounts payable processes in the cloud. It supports invoice automation, mobile approvals, and PO-based workflows.

Reviews

UK businesses like the mobile approval capability and role-based controls. Users highlight faster processing and fewer manual errors. Some note longer integration time with legacy systems.

Features of Quadient AP

Automate AP workflows from capture to payment
Use mobile approvals and notifications
Match invoices to POs and receipts
Track approval status in real time
Integrate with Sage, Xero, and QuickBooks
Audit-ready logs and spend visibility

Final Verdict

Quadient AP is ideal for UK finance teams that need remote AP controls and cloud flexibility.

Pros of Quadient AP

Fully cloud-based AP system
Mobile invoice approvals
Real-time spend tracking
Easy PO/invoice reconciliation
Secure audit log generation

Cons of Quadient AP

Integration setup may take time
Interface could be more intuitive

10. FreeAgent – Best for contractors and sole traders in the UK

FreeAgent delivers AP features for UK contractors and small traders. It includes bill tracking, expense logging, VAT returns, and automatic reminders. Fully HMRC-recognized for MTD.

Reviews

Freelancers and micro-businesses use FreeAgent for simple AP and tax filing. Users praise its invoice reminders and HMRC tools. Some say features are basic for larger teams.

Features of FreeAgent

Log and track vendor bills and expenses
Submit MTD VAT returns to HMRC
Link to UK bank accounts for reconciliation
Schedule and receive payment reminders
Generate bill payment history and timelines
Use mobile access for on-the-go entries

Final Verdict

FreeAgent is great for UK self-employed needing basic, compliant AP tools.

Pros of FreeAgent

MTD-ready and HMRC recognized
Suits sole traders and microbusinesses
Easy-to-use and affordable
Mobile access and bill reminders
Real-time financial snapshots

Cons of FreeAgent

No multi-user workflow
Not ideal for multi-entity businesses

11. Kefron AP – Best for AI-driven invoice digitization and storage

Kefron AP digitizes paper invoices using AI OCR, automating the capture and validation of AP documents. It enables UK finance teams to gain control and visibility over spend.

Reviews

Users trust Kefron AP for transforming manual AP into digital-first. It’s praised for scanning precision, compliance features, and bulk processing. Some seek better user navigation.

Features of Kefron AP

Scan and digitize paper invoices via OCR
Validate and match invoice data
Route documents through approval workflows
Archive and retrieve invoices in the cloud
Integrate with UK accounting and ERP platforms
Ensure document compliance and audit-readiness

Final Verdict

Kefron AP helps UK firms digitize legacy AP workflows with compliance-focused tools.

Pros of Kefron AP

Accurate AI-based invoice scanning
Secure digital invoice storage
Reduces paper and manual input
Quick access to documents
Supports compliance requirements

Cons of Kefron AP

Interface less modern than alternatives
Occasional issues with data mapping

12. Compleat – Best for budget control and finance team visibility

Compleat offers UK businesses spend visibility through its full AP suite. It manages invoice approvals, budget enforcement, and automated processing with ERP integrations.

Reviews

UK finance teams choose Compleat for budget controls and user-based workflows. It’s praised for invoice-to-budget visibility. Some mention the reporting dashboard could improve.

Features of Compleat

Automate invoice matching and validation
Enforce budgets during approval flows
View AP data linked to financial goals
Integrate with Sage, Xero, NetSuite
Custom approval chains by user role
Access centralized dashboard with alerts

Final Verdict

Compleat is ideal for UK companies enforcing budgets across departments.

Pros of Compleat

Budget visibility during invoice review
ERP and accounting integration
Configurable approval workflows
Spend alerts and tracking
Cloud-based access

Cons of Compleat

UI can feel dated
Reporting could be more flexible

13. Yooz – Best for AI-powered AP automation and fraud detection

Yooz automates AP using AI and machine learning. It digitizes invoice processing, matches POs, and flags anomalies. UK teams gain secure, audit-friendly automation.

Reviews

Users rate Yooz for speed, fraud detection, and AI classification. It’s valued for large invoice volumes. Some request better custom reporting.

Features of Yooz

AI invoice capture and auto-validation
Real-time fraud and anomaly alerts
Multi-user invoice approvals
Full audit trails for compliance
ERP integration with UK accounting tools
Cloud storage and document search

Final Verdict

Yooz fits UK companies automating large AP loads while ensuring fraud protection.

Pros of Yooz

Smart fraud detection
Fast OCR invoice capture
Secure cloud and mobile access
ERP integration
Full audit trails

Cons of Yooz

Advanced reports need setup
Interface takes time to master

14. Pleo Invoices – Best for merging expense cards and vendor payments

Pleo Invoices merges vendor payment automation with Pleo’s expense management cards. UK teams can streamline both AP and employee spend in one platform.

Reviews

Users like the unified view of AP and team spending. Businesses report better spend control and simple vendor payment scheduling. Some mention limited support for large AP loads.

Features of Pleo Invoices

Automate invoice uploads and approvals
Pay vendors via Faster Payments
Sync card expenses and AP workflows
Match invoices with budgets and team spend
Integrate with UK accounting software
Gain oversight of total spend in one view

Final Verdict

Pleo Invoices suits UK firms managing both employee and vendor spending together.

Pros of Pleo

Unified spend control system
Built-in UK payments
Team card and invoice sync
Budget alerts and spend tracking
Simple and modern UI

Cons of Pleo

Limited to small/mid-size companies
Bulk AP processing is basic

15. Telleroo – Best for bulk UK payments via Faster Payments integration

Telleroo simplifies UK supplier payments via automated Faster Payments. It integrates with accounting tools to push payment runs securely.

Reviews

UK finance teams use Telleroo for fast, secure bank payments. It’s praised for speed, audit control, and cost savings. Some want deeper integrations.

Features of Telleroo

Automate supplier batch payments
Use Faster Payments for same-day delivery
Secure approval workflows for bulk runs
Connect with Xero, Sage, FreeAgent
Track payment history with audit logs
Reduce manual bank file uploads

Final Verdict

Telleroo is best for UK firms needing fast and scalable domestic supplier payments.

Pros of Telleroo

Same-day Faster Payments
Full audit logs and payment security
Seamless integration with UK accounting tools
Quick batch processing
No bank file handling

Cons of Telleroo

Focused on UK payments only
Lacks global AP automation features

Frequently Asked Questions

Does the software support Making Tax Digital (MTD) for VAT submissions to HMRC?

Yes. HMRC-recognized AP software supports MTD-compliant VAT filings. Enable digital VAT return submissions using HMRC APIs. Ensure VAT records are stored and submitted in digital form.
Support automated VAT calculations based on live invoice data.

Does it automate invoice capture, approval workflows, and batch payments?

Yes. AP software automates invoice capture with OCR and AI tools. Trigger multi-level approval workflows based on rules or roles. Enable batch payment scheduling and bulk processing.
Reduce processing time by syncing invoices to payment runs.

Does it integrate directly with major UK banks for real-time payments and reconciliation?

Yes. Leading platforms integrate with Barclays, HSBC, Lloyds, NatWest. Support open banking feeds for real-time data and reconciliations. Push payments directly from system to bank via secure APIs.
Enable automatic matching of paid transactions against invoices.

Does the tool support UK-based audit trails, fraud detection, and vendor compliance?

Yes. Systems log all user actions with timestamped audit trails. Support fraud detection with duplicate invoice flags and access controls. Maintain supplier compliance through verified tax IDs and KYC data.
Provide audit-ready reports aligned with UK financial regulations.

Can it manage multiple UK business entities, currencies, and supplier tax profiles accurately?

Yes. Multi-entity support allows centralized control across UK units. Enable accurate handling of GBP, EUR, and other currencies. Assign unique tax rules and VAT profiles per supplier. Generate consolidated or entity-specific AP reports with full accuracy.