5 MineralTree Alternatives For Startups in 2025

MineralTree provides Accounts Payable (AP) automation solutions designed to streamline finance operations, increase efficiency, and reduce errors for CFOs, controllers, and accounting staff. Their offerings include end-to-end AP automation, invoice payment automation, and seamless ERP integrations.

However, MineralTree doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, Monite, Mercury, Ramp, Brex—each offering unique advantages to meet different business requirements.

5 Alternatives to MineralTree

1) Overall Pick: Rho

At Rho, we pride ourselves on offering a comprehensive business banking and spend management platform designed to support businesses at every stage, from startups to enterprises. Our goal is to make finance frictionless, helping you manage cash, control spend, and automate financial tasks seamlessly.

Rho Key Features

• Rho Platinum: Offers up to 1.75% cashback¹ on all card spend, incentivizing businesses to maximize their financial returns.
• Expense Management: Automates the entire expense reporting process, capturing every receipt and eliminating the need for manual expense reports.
• Rho Bill Pay: Enables businesses to pay hundreds of vendors in minutes without any platform fees, streamlining the accounts payable process.
• Rho Treasury: Manages idle cash by investing in Treasury Bills, providing businesses with a dynamic yield on their cash reserves.
• Rho Partner Portal: A specialized platform designed for accounting partners to efficiently manage their clients' financial operations.
• Rho Integrations: Seamlessly connects with various business software, including accounting, HR, and T&E systems, to enhance operational efficiency.
• Private Banking Support: Offers 24/7 customer support to address all business banking needs, ensuring continuous assistance.

Unlike MineralTree's focus on AP automation, Rho's Bill Pay feature not only streamlines vendor payments but also eliminates platform fees, providing a more cost-effective solution for businesses.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to make your financial operations as seamless as possible. Many of our essential services are free to use, ensuring you can focus on growing your business without worrying about hidden costs. Here's a breakdown of our pricing:

• $0 Same-Day ACH fees: No fees for same-day ACH transactions.
• $0 Wire fees: No fees for wire transfers, except for international wires which may incur additional fees.
• $0 Monthly plans: No charges for accessing essential accounting integrations.
• $0 Support fees: Free live support from day one without requiring monthly plans.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• "Rho is everything a corporate card program should be - And it's free to the users and employers! The company implementation of Rho was easy and took less than 2 hours. We sync with Quickbooks Online seamlessly, which has saved the finance department 60 hours per month and delayed a planned headcount addition indefinitely."
• "Best banking for an early-stage startup. They allow a single person to take care of the entire company's finances quickly - everything from checking account, AP, expenses, to treasuries."
• "From day one, using Rho has been simple and straightforward. When I make a purchase, I get a text and email reminder. I just simply click the link and upload the receipt and I'm done."

Want a firsthand look at Rho? You can request a free demo here.

2) Monite

Monite offers financial administration automation solutions, focusing on embedded invoicing and bill pay functionalities for various sectors such as Vertical SaaS, Fintech SaaS, Banks & Neobanks, and Payment providers. Their platform provides robust AR/AP functionality, accounting integrations, and payments in a single API, allowing businesses to offer comprehensive financial management tools to their clients.

Monite Key Features

Monite offers a range of features designed to streamline financial administration for various sectors, including Vertical SaaS, Fintech SaaS, Banks & Neobanks, and Payment providers.

• Invoicing & e-invoicing: Manage product/service catalog, create and manage quotes, send professional invoices, and automate payment reminders.
• Accounts Payable Automation: Collect bills via email or e-invoicing, build and customize approval workflows, and pay bills efficiently in one click.
• Integrated Payments: Payment links and bill pay solutions that allow clients to earn on every payment processed.
• API and SDK: REST API, React SDK, and iFrame for seamless integration and fast time to market.
• Revenue Growth: Features aimed at growing revenue per user, attracting more users, and increasing product stickiness.

Monite Pricing

Monite's pricing is not public. Contact their support for more info.

Drawbacks To Monite

General user reviews of Monite highlight a strong team and supportive culture but note the high workload typical of startups. Here are some substantial quotes:

• "Monite is a great place to work with a strong team. The company has a high-performance culture, good leadership, and management that listens to employees." - Team leader
• "Like most startups, there’s a bit more work compared to bigger companies, but it’s manageable and doesn’t lead to burnout." - Team leader

For more details, visit Monite Reviews on Glassdoor.

3) Mercury

Mercury offers online business banking services tailored for startups and small businesses, providing a range of financial products such as business checking and savings accounts, credit cards, bill pay, invoicing, expense management, and treasury services. The platform emphasizes speed, efficiency, and security, allowing businesses to manage their financial operations seamlessly from a single dashboard.

Mercury Key Features

• Speed without Compromise: Efficient management of banking and financial operations from a single dashboard, allowing users to complete any banking task quickly.
• Seamless Payments: Ability to set auto-transfer rules and send free USD wires, facilitating smooth and cost-effective transactions.
• Credit Cards with Low Deposit Minimums: Early access to credit cards with industry-low deposit requirements and 1.5% cashback on all spending, providing financial flexibility and rewards.
• Enhanced Security Measures: Includes up to 20× the industry standard in FDIC insurance, built-in fraud monitoring tools, and strong data security protocols to protect user information.
• Comprehensive Financial Workflows: Integrated features for bill pay, invoicing, expense management, and accounting automations, streamlining financial operations for businesses.

Mercury Pricing

Mercury offers a free basic plan with optional paid plans for advanced features.

• Mercury: Free business banking and finance essentials.
• Mercury Plus: $35/month for more reimbursements and invoicing power.
• Mercury Pro: $350/month for advanced workflows and dedicated support.

Drawbacks To Mercury

General user reviews of Mercury highlight its modern interface and ease of use, but some users are dissatisfied with the lack of telephone customer service and issues with international transactions.

• "It's the best bank I've ever used. Download all statements in 1 click, statements start and stop at the end of the month like sane people would do." - Dylan Hunt
• "Appears like a total scam to me. Mercury straight out refused my application for a reason that I was unable to provide a Passport verification." - Sandakelum Senevirathna

For more details, visit Mercury Reviews on Trustpilot.

4) Ramp

Ramp is a platform designed to streamline financial operations for businesses by offering easy-to-use corporate cards, bill payments, accounting, and more, all in one place. It aims to save time and money for finance teams by replacing multiple broken tools with a single, efficient platform.

Ramp Key Features

• Ramp Intelligence: AI-driven insights to monitor financial transactions, detect policy violations, and identify areas of overspending.
• Corporate Cards: Offers corporate cards with customizable spending controls and approval workflows to manage expenses proactively.
• Expense Management: Automates the submission and approval of expenses, reducing the need for manual intervention.
• Accounts Payable: Streamlines the bill payment process, allowing for quick and efficient processing of accounts payable.
• Accounting Automation: Enhances the efficiency of the monthly financial close process through automation.

Ramp Pricing

Ramp offers tiered pricing plans designed to cater to different business sizes and needs, ranging from a free plan to a customizable enterprise plan.

• Free: $0/mo/user; includes unlimited corporate cards, basic approval policies, and QuickBooks Online integration.
• Plus: $15/mo/user + platform fee; adds advanced approval workflows, batch payments, and multi-entity support.
• Enterprise: Custom pricing; offers full customization, direct ERP integrations, and local currency cards.

Drawbacks To Ramp

General user reviews of Ramp highlight its efficiency and ease of use, but some users have noted issues with card features and approval processes.

• "Ramp is extremely user-friendly and easy to work with, but the card features could be more robust." - Janey C.
• "While Ramp saves us time, the approval process can sometimes be cumbersome." - Nick E.

For more details, visit Ramp Reviews & Product Details.

5) Brex

Brex offers a comprehensive financial platform that includes corporate cards, expense management, travel management, bill pay, and banking and treasury services. The platform is designed to control spend, automate busywork, and maximize financial efficiency.

Brex Key Features

• AI-Powered Automation: Automates approvals, expense reports, invoice entry, and payments, providing AI-generated suggestions and ERP integrations for accounting.
• Global Reach: Services available in 120+ countries, simplifying global travel with in-app booking and management.
• High Yield on Cash: Offers a 3.98% yield on cash from day one, with up to $6M in additional FDIC insurance through program banks.
• Comprehensive Financial Stack: Combines corporate cards, banking, bill pay, accounting, and travel into one platform, supporting startups, mid-size companies, and enterprises.
• Real-Time Spend Control: Allows setting budgets and allocating spend limits with auto-enforced controls, tracking and adjusting spending in real time.

Brex Pricing

Brex offers tiered pricing plans tailored to the size and needs of different companies, from startups to global enterprises.

• Essentials: For startups and growing companies, priced at $0 per user/month.
• Premium: For mid-sized companies looking to scale, priced at $12 per user/month.
• Enterprise: For global enterprises with custom needs, with custom pricing.
• Smart Card: For companies that want to simplify procurement, with custom pricing.

Drawbacks To Brex

General user reviews of Brex highlight its user-friendly interface and efficiency but note issues with integration and complexity.

• "Brex is super easy to use, whether it's expensing a purchase, submitting a reimbursement, or transferring funds." - Verified User
• "The complexity introduced by new functionalities can be overwhelming at times." - Mike W.

For more details, visit Brex Reviews & Product Details.

How to select the right MineralTree alternative?

Tips for Selecting the Right MineralTree Alternative:

• Identify Your Needs: Assess your business requirements, such as AP automation, expense management, or treasury services, to find a platform that aligns with your goals.
• Evaluate Key Features: Compare the key features of each alternative to ensure they offer the functionalities you need, like seamless integrations and robust security measures.
• Consider Pricing: Look for transparent pricing structures without hidden fees. Rho, for instance, offers many essential services for free, making it a cost-effective choice.
• Read User Reviews: Check user feedback to understand the real-world performance and reliability of the platform. Rho's positive reviews highlight its ease of use and efficiency.
• Customer Support: Ensure the platform provides reliable customer support to assist you whenever needed, especially during critical financial operations.
• Scalability: Choose a solution that can grow with your business, offering features that cater to both startups and larger enterprises.

Getting started with the best MineralTree alternative

Each of the alternatives to MineralTree—Rho, Monite, Mercury, Ramp, and Brex—offers unique features and benefits that can cater to different business needs. Whether you prioritize AP automation, expense management, or comprehensive financial solutions, there's a platform that can meet your requirements.

If you're looking for a well-rounded solution, we recommend Rho. With its transparent pricing, robust features, and exceptional customer support, Rho stands out as a top choice for businesses of all sizes. Ready to experience the benefits firsthand? Request a demo today and see how Rho can streamline your financial operations.