9 AP Platforms Tested by a CFO | Final Scores and Rankings

Platform Walkthroughs: MakersHub: https://youtu.be/03k0iNvPYHY - Test out Makers Hub with a free trial: https://financialtechlab.com/makershub Ramp: https://youtu.be/JyJ1a65RBf4 - Try out Ramp here: https://financialtechlab.com/ramp QBO Elite: https://youtu.be/MwkIyNb0LhE - Accountants get 90% off QBO Elite and Premium through July 31, 2026 using this link: https://financialtechlab.com/90OFFBILLPAY Forwardly: https://youtu.be/J3q-ykmdoe4 - Try Forwardly here: https://financialtechlab.com/forwardly Relay: https://youtu.be/1zO2ng7LzP4 - Get $100 FREE with Relay. Sign up + deposit $100 and Relay will match it: https://financialtechlab.com/relay Melio: https://youtu.be/giO_LQOZhRI - Melio Free 30 Day Trial: https://financialtechlab.com/melio QBO Basic: https://youtu.be/EUBzGPn_xqA - Free 30 day trial and 30% off for 12-months: https://www.financialtechlab.com/QBO Bill: https://youtu.be/MJnPSgi06fM - Explore Bill: https://financialtechlab.com/bill Xero: https://youtu.be/et-KFsjUHq4 - Get 90% off for 6 months: https://financialtechlab.com/xero Wrapping up the Accounts Payable series and every platform is getting a final rating — the pros, the cons, and the final score based on hands-on CFO experience. From frustrating data extraction to genuinely impressive AI, not all bill pay software is created equal. Whether you're a small business owner tired of manual invoicing or looking to upgrade your stack, this breakdown cuts through the noise. Jump to: 0:00 - Intro 1:52 - Xero 3:09 - Bill.com 5:18 - QuickBooks Online Basic 7:30 - Melio 9:29 - Relay 11:03 - Forwardly 13:21 - QuickBooks Online Elite 16:14 - Ramp 20:22 - MakersHub 23:19 - Final Thoughts Here are some of the tools I trust and recommend to help you manage your business finances more effectively. These are affiliate links, which means I may earn a small commission if you use them—at no extra cost to you. Thank you for supporting the Clara CFO channel! Hannah Smolinski is a #CPA and the Founder of Clara CFO Group. Find out more about Clara CFO Group at https://claracfo.com/ Disclaimer: This video is intended for educational purposes and should not be taken as legal or tax advice. You should consult with your financial professionals about your unique financial situation before acting on anything discussed in these videos. Clara CFO Group, LLC is providing educational content to help small business owners become more aware of certain issues and topics, but we cannot give blanket advice to a broad audience.