Payvy vs Tipalti.

Extracts invoice headers and line items and supports coding into accounting fields. Also offers Peppol e-invoicing in supported markets; confirm formats and market availability.

Document inbox, email intake and model extraction are implemented. Originals live in configured S3-compatible storage. Extraction checks amounts, matches vendors and produces drafts; quality depends on the model and document.

Routes invoices for approval, including email approvals without an additional approver fee. A matched invoice can still require further review rather than being automatically approved.

Vendor workflows support named approvers, amount thresholds, timed holds and external signals. Bills retain their workflow version. Person keys approve and release; changes produce audit events.

Supports global payouts through ACH, local transfers, wires, cards and PayPal, with availability depending on the recipient and route. Verify coverage, funding requirements, FX and fees for your actual suppliers.

The reviewed build implements Mercury payments, person-authorized release, request or direct mode, status polling and handling of failures and returns. Other banks and international currencies are planned. Source implementation is not hosted launch availability.

Lists integrations including NetSuite, Sage Intacct, QuickBooks Online, Dynamics, Xero, SAP, Oracle Fusion and Workday. Data flows and feature depth depend on the specific connection.

VisiBooks, QuickBooks Online and Xero sync are planned, alongside ERP connections for NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central and Acumatica. No accounting or ERP connector is implemented in the reviewed rebuild.

Two- and three-way matching support line-level checks, multiple POs and amount or percentage tolerances. Exceptions can route for review. Procurement is an expansion module, not implied by the AP starting price.

PO matching is planned. Purchase requests, receiving and a procurement suite are not available in the current build.

Supplier Hub or an embedded interface collects contact, bank and tax information. Imported or API-created payees must still complete required onboarding before payment.

Vendor records and vendor-specific workflows are implemented. A supplier onboarding portal, tax validation and 1099 filing are not available.

Offers payout APIs and a sandbox, plus documented procurement APIs with coordinated access. Confirm the product, endpoints and permissions in your contract; payout API marketing does not prove inclusion in the base AP plan.

REST and MCP expose the same command registry. Agent keys can prepare bills and propose workflows; person-only actions are excluded. Release uses preview and single-use confirmation.

A hosted suite with standard implementation listed as included. More complex environments may require professional services; clarify who owns ongoing connector and configuration changes.

AGPL-3.0-only source with no per-seat license charge; self-hosters operate their own infrastructure. Planned hosted pricing is $39/company/month with your own agent or AI provider keys, or $99/company/month with a Payvy-managed agent. Both include unlimited users and agent connections. Provider usage is separate on the $39 plan; included AI limits on the $99 plan will be defined before launch.