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Keep Ramp for cards, use Forwardly for smarter payments

Keep Ramp for cards, use Forwardly for smarter payments

Forwardly is the modern Ramp Bill Pay alternative built for growing businesses that want instant payments, same-day ACH, AI bill capture, full AP and AR automation, and seamless accounting sync, all in one payments-first platform with $0 in monthly fees and no per-user charges. 

Forwardly is the modern Ramp Bill Pay alternative built for growing businesses that want instant payments, same-day ACH, AI bill capture, full AP and AR automation, and seamless accounting sync, all in one payments-first platform with $0 in monthly fees and no per-user charges. 

Delivered

Delivered

Process Date

Process Date

Aug 28, 2025

Aug 28, 2025

Auto Payments

Auto Payments

Enabled

Enabled

The modern upgrade from Ramp Bill Pay

Features

Ramp AP

Forwardly

Monthly subscription fee

$0–$15+ / month

Standard ACH (3–5 business days)

$0.59

10 free/month, then $0.50 each

Next-day ACH

1% (min $1, max $3)

Same-day ACH

$10.00 flat

1% (min $1, max $4)

Instant bank transfer

1% (min $1, max $5)

Supported card payments

Via Ramp card

Mastercard, Visa, Amex, Capital One

Accept Card Payments

2.99% + $0.25

Free trial

Higher plan only

30 days

White-glove client migration tool

AR automation

AP automation (bill pay and approvals)

AI bill capture

Dedicated bill inbox

Advanced approval workflows

Higher plan only

ERP support for high-growth businesses

Higher plan only

Works with multiple accounting platforms

Forwardly Business Network

Bulk / batch payment actions

Higher plan only

Recurring invoice schedules

Per-payment audit trail

Higher plan only

Unlimited users

Custom roles and permissions

Higher plans only

Custom volume pricing

Enterprise only

Enterprise only

Start free trial

With Forwardly, move money faster or instantly cut your costs

On Ramp Bill Pay, same-day ACH costs a $10 flat fee per payment, regardless of size. On Forwardly, $4 gets it there same day. $5 gets it there in 60 seconds.

Payment type

Time to deliver

Your cost

Your savings after switching

Ramp Subscription

$0–$15+ / month

Forwardly Subscription

$0.00

$180/year per user

Ramp (Same-day ACH)

$10.00 flat

Forwardly (Standard ACH)

1 business day

$0.50 · 10 free/month

$0.09 per payment + 10 free monthly

Forwardly (Same-Day ACH)

Same business day

$4.00 max cap

Up to $9.00 per payment

Forwardly (Instant)

60 seconds

$5.00 max cap

A speed Ramp can't offer at any price

Team members collaborating around a laptop while setting up financial data synchronization and payment workflows.

All your data synced. Zero manual entry.

All your data synced. Zero manual entry.

Connecting Forwardly takes minutes. Sync your account and your bills and invoices are ready to go. Speak with our team for specialized support and import existing customer payment agreements and vendor banking information; no extra paperwork, no disruption to your team.

Connecting Forwardly takes minutes. Sync your account and your bills and invoices are ready to go. Speak with our team for specialized support and import existing customer payment agreements and vendor banking information; no extra paperwork, no disruption to your team.

Book an onboarding call

A payments platform built around your vendors, not your cards.

A payments platform built around your vendors, not your cards.

AP and AR in one dashboard

Ramp handles payables only. Forwardly manages receivables and payables together, without a separate tool or extra subscription.

Forwardly moves money faster, for less

Instant payments, same-day ACH, and next-day ACH, all available at the lowest cost.

Stay easily reconciled

Payments sync back to your accounting software instantly. Your books stay clean without any extra reconciliation work.

Get started

Proof that better payments are possible

Proof that better payments are possible

I've never had business payments transfer this fast. I have set up multiple clients for automatic payments, and so far, I’ve enjoyed being able to help my clients wait a little longer to pay their bills while still getting paid on time. My payments are fast (mostly same day with some instant). Forwardly team members are great to work with. I highly recommend it!

Catherine P.

Firm owner

I've never had business payments transfer this fast. I have set up multiple clients for automatic payments, and so far, I’ve enjoyed being able to help my clients wait a little longer to pay their bills while still getting paid on time. My payments are fast (mostly same day with some instant). Forwardly team members are great to work with. I highly recommend it!

Catherine P.

Firm owner

I've never had business payments transfer this fast. I have set up multiple clients for automatic payments, and so far, I’ve enjoyed being able to help my clients wait a little longer to pay their bills while still getting paid on time. My payments are fast (mostly same day with some instant). Forwardly team members are great to work with. I highly recommend it!

Catherine P.

Firm owner

The customer service is exceptional! Forwardly is easy to use and dependable. I have not had any major issues. I will continue using Forwardly for all of my client billing into the future as I expand my firm. I am very happy that I stumbled upon the company, and it has been a fantastic journey using them. Again, I will continue using them in the future. Cost is very much a savings and is overall better than the competitors. It was an easy decision to change to Forwardly.

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

The customer service is exceptional! Forwardly is easy to use and dependable. I have not had any major issues. I will continue using Forwardly for all of my client billing into the future as I expand my firm. I am very happy that I stumbled upon the company, and it has been a fantastic journey using them. Again, I will continue using them in the future. Cost is very much a savings and is overall better than the competitors. It was an easy decision to change to Forwardly.

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

The customer service is exceptional! Forwardly is easy to use and dependable. I have not had any major issues. I will continue using Forwardly for all of my client billing into the future as I expand my firm. I am very happy that I stumbled upon the company, and it has been a fantastic journey using them. Again, I will continue using them in the future. Cost is very much a savings and is overall better than the competitors. It was an easy decision to change to Forwardly.

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

Finally a payment platform that is great to use and doesn't sit on our hard earned cash for days, even weeks, on end. Maybe Forwardly can help kick-start the US banking system into actually supporting their customers and their businesses.

Jackie Anthony

Founder, AllCents Consulting

Finally a payment platform that is great to use and doesn't sit on our hard earned cash for days, even weeks, on end. Maybe Forwardly can help kick-start the US banking system into actually supporting their customers and their businesses.

Jackie Anthony

Founder, AllCents Consulting

Finally a payment platform that is great to use and doesn't sit on our hard earned cash for days, even weeks, on end. Maybe Forwardly can help kick-start the US banking system into actually supporting their customers and their businesses.

Jackie Anthony

Founder, AllCents Consulting

Forwardly is built for businesses that want to grow, not get charged more for it

Smart, AI-native bill pay

Capture invoices automatically, route approvals at any level, and reconcile in real time, without needing a Plus plan to unlock the features your AP team actually needs day-to-day.

Smart, AI-native bill pay

Capture invoices automatically, route approvals at any level, and reconcile in real time, without needing a Plus plan to unlock the features your AP team actually needs day-to-day.

Manage AP and AR in one place

Forwardly handles receivables and payables together. Ramp Bill Pay is AP only, if you need AR automation, you're paying for a separate tool.

Manage AP and AR in one place

Forwardly handles receivables and payables together. Ramp Bill Pay is AP only, if you need AR automation, you're paying for a separate tool.

Built for scale, not fixed fees

Add your whole team: approvers, controllers, bookkeepers, with no per-user charge. Advanced approval workflows and ERP integrations are included, not gated behind a plan upgrade.

Built for scale, not fixed fees

Add your whole team: approvers, controllers, bookkeepers, with no per-user charge. Advanced approval workflows and ERP integrations are included, not gated behind a plan upgrade.

5x faster payments than Ramp Bill Pay

Instant transfers, same-day ACH, and next-day ACH, all available at capped, transparent fees. Ramp offers same-day ACH at $10 flat and no faster options beyond that.

5x faster payments than Ramp Bill Pay

Instant transfers, same-day ACH, and next-day ACH, all available at capped, transparent fees. Ramp offers same-day ACH at $10 flat and no faster options beyond that.

The all-in-one payment solution

  • Instant Transfer

    Delivery Speed

    Multiple payment options

    Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.

  • AP Clerk

    Assign a Role

    David Jones

    AP

    Advanced approval workflows with roles and permissions 

    Assign roles and permissions, set up approval workflows, and keep payments protected. Your team stays in control, and your sensitive data stays safe, risk-free and hassle-free.

  • 1,000

    Pay amount

    Bill Amount:

    2,300.00

    Flexible payments

    Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.

  • Due: May 20

    John Deo Exports

    Inbox

    11

    Invoice - maplesyrup-632.pdf

    AI-powered bill capture and inbox

    AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.

  • Auto-sync

    Enabled

    Seamless accounting sync

    Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.

  • Payments

    $174k

    $253k

    Total cash flow control

    All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

The all-in-one payment solution

  • Instant Transfer

    Delivery Speed

    Multiple payment options

    Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.

  • AP Clerk

    Assign a Role

    David Jones

    AP

    Advanced approval workflows with roles and permissions 

    Assign roles and permissions, set up approval workflows, and keep payments protected. Your team stays in control, and your sensitive data stays safe, risk-free and hassle-free.

  • 1,000

    Pay amount

    Bill Amount:

    2,300.00

    Flexible payments

    Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.

  • Due: May 20

    John Deo Exports

    Inbox

    11

    Invoice - maplesyrup-632.pdf

    AI-powered bill capture and inbox

    AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.

  • Auto-sync

    Enabled

    Seamless accounting sync

    Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.

  • Payments

    $174k

    $253k

    Total cash flow control

    All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

The all-in-one payment solution

  • Instant Transfer

    Delivery Speed

    Multiple payment options

    Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.

  • AP Clerk

    Assign a Role

    David Jones

    AP

    Advanced approval workflows with roles and permissions 

    Assign roles and permissions, set up approval workflows, and keep payments protected. Your team stays in control, and your sensitive data stays safe, risk-free and hassle-free.

  • 1,000

    Pay amount

    Bill Amount:

    2,300.00

    Flexible payments

    Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.

  • Due: May 20

    John Deo Exports

    Inbox

    11

    Invoice - maplesyrup-632.pdf

    AI-powered bill capture and inbox

    AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.

  • Auto-sync

    Enabled

    Seamless accounting sync

    Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.

  • Payments

    $174k

    $253k

    Total cash flow control

    All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

Trusted & featured by the best

Join the 10000+ businesses that count on Forwardly

Join the 10000+ businesses that count on Forwardly

Join the 10000+ businesses that count on Forwardly

Frequently asked questions

What is the difference between Forwardly and Ramp?

Forwardly is a paymentsfirst AI-native AP and AR automation platform focused on faster payments, reducing manual work, streamlined cash flow, and cost-effective pricing. Ramp is a spendfocused platform with corporate cards, expense management, and vendor payments as part of broader financial operations.

Is Forwardly a good alternative to Ramp?

Does Forwardly support both AP and AR like Ramp?

Which platform offers faster payments?

Does Forwardly charge monthly fees like Ramp?

Which platform reduces more manual work?