In a move designed to modernize financial operations for growing businesses, Acumatica has announced a new partnership with BILL, embedding BILL’s accounts payable (AP) automation technology directly into Acumatica Cloud ERP.
The partnership will enable U.S. customers to manage bills, automate payments, and optimize cash flow within their ERP system—without switching between tools. The announcement underscores a broader trend toward embedded finance, where payment and accounting workflows are increasingly unified under a single platform.
“AP automation is vital to growing businesses,” said John Case, CEO of Acumatica. “Together, we’re giving businesses an easier path to modernize their operations, improve accuracy, and free up valuable time for more strategic work.”
Key Features and Overview
The embedded solution blends BILL’s automation tools with Acumatica’s ERP ecosystem to deliver end-to-end AP efficiency.
| Feature | Description |
|---|---|
| Integrated AP Automation | Automates invoice entry, approvals, and payments directly inside Acumatica Cloud ERP. |
| Vendor Network Access | Connect with over 8 million businesses using BILL’s extensive vendor network. |
| Cash Flow Optimization | Choose how and when to pay bills to maintain liquidity and control. |
| Secure Payments | Make electronic payments via ACH, virtual cards, or checks, with built-in fraud protection. |
| Workflow Customization | Configure approvals and audit trails for internal compliance. |
| Real-Time Visibility | Gain instant insights into outstanding payables and upcoming payment schedules. |
“Embedded finance is expanding how businesses experience the future of financial operations,” said René Lacerte, CEO and Founder of BILL. “This partnership brings BILL’s powerful AP automation and payments capabilities directly into Acumatica’s ERP platform and empowers thousands more businesses to thrive.”
Eligibility and Who Benefits
The embedded AP automation solution is available to U.S.-based Acumatica Cloud ERP customers—particularly those managing complex vendor ecosystems or high-volume billing operations.
Ideal Users
- Small and Medium-Sized Businesses (SMBs) seeking scalable automation.
- Finance Teams aiming to reduce manual data entry and paper invoices.
- CFOs and Controllers who need visibility into working capital.
- Accounts Payable Departments that manage recurring vendor payments or project-based expenses.
Benefits of the Integration
- Streamlined AP Workflows
Automation eliminates manual data entry, paper checks, and reconciliation errors, ensuring faster and more accurate payment processing. - Improved Vendor Relationships
By connecting to BILL’s network of over 8 million businesses, users can make faster and more reliable payments, reducing vendor disputes. - Enhanced Cash Flow Control
Businesses can plan and schedule payments based on real-time cash flow forecasts within Acumatica’s ERP dashboard. - Increased Operational Efficiency
Automation allows staff to focus on higher-value tasks such as forecasting and supplier negotiations. - Stronger Financial Oversight
Embedded analytics offer visibility into payables aging, approval cycles, and audit trails—critical for financial compliance.
| Business Area | Traditional AP | BILL + Acumatica Integration |
|---|---|---|
| Invoice Processing | Manual entry, prone to errors | Automated data capture via AI |
| Vendor Payments | Separate system or bank portal | Direct payments within ERP |
| Cash Management | Static reporting | Dynamic, real-time cash insights |
| Audit & Compliance | Manual verification | Automated audit trails |
| Scalability | Limited by human input | Cloud-based and fully scalable |
Payment and Processing Details
| Function | Process Description | Timing |
|---|---|---|
| Invoice Capture | AI extracts details from invoices uploaded into Acumatica | Instant |
| Approval Routing | Custom workflows route bills for manager approval | Configurable |
| Payment Scheduling | Choose payment dates based on cash flow | Flexible |
| Payment Methods | ACH, check, or virtual card | Real-time to 1–2 business days |
| Reconciliation | Automatically syncs payment data with ERP ledgers | Continuous |
Recent Developments and Broader Context
This collaboration follows several high-profile moves in the ERP and financial automation space:
- October 7, 2025: Oracle NetSuite embedded BILL’s payment automation into its “Intelligent Payment Automation” module, signaling expanding demand for embedded AP tools.
- May 2025: Acumatica announced its acquisition by Vista Equity Partners, positioning the ERP provider for deeper AI-driven product innovation.
- February 2025: BILL revealed that more than 480,000 businesses use its platform for financial operations, reinforcing its dominance in the midmarket automation segment.
These milestones collectively point toward a future where ERP systems evolve into intelligent financial command centers—integrating automation, payments, and analytics under one roof.
“The convergence of ERP and fintech marks the next phase of enterprise digitization,” said Laura Chen, a senior analyst at FinTech Futures. “Embedding payment automation directly into ERP systems eliminates friction and improves liquidity visibility across the entire organization.”
Why It Matters?
The partnership represents a major step toward modern, embedded finance for SMBs—traditionally an underserved market in automation technology.
As CFOs face increasing pressure to do more with less, the combination of Acumatica’s Cloud ERP and BILL’s AP automation offers a practical path toward operational agility. Businesses gain:
- Reduced processing times for invoices and payments.
- Lower risk of payment fraud.
- Enhanced compliance with audit and regulatory standards.
- Integration-ready architecture that grows with the business.
Financial transformation is no longer just for large enterprises—this collaboration brings enterprise-grade automation to the midmarket segment.
Expert Insights
1. John Case, CEO, Acumatica
“Businesses can modernize faster and improve accuracy through embedded AP automation, giving finance teams more time for strategic decision-making.”
2. René Lacerte, CEO, BILL
“Embedded finance is the next frontier in automation. We’re integrating BILL directly into ERP workflows to simplify operations at scale.”
3. Michelle Green, CFO Advisor, FinOps Advisory Group
“Acumatica’s partnership with BILL shows that ERP is no longer just about accounting—it’s about intelligent money movement and liquidity control.”
4. Kevin Patel, Tech Research Analyst, Enterprise AI Hub
“The integration aligns perfectly with global trends in real-time payments, showing how cloud-based ERP systems are becoming fintech platforms in themselves.”
FAQs
What does the Acumatica-BILL partnership provide?
It allows businesses to manage accounts payable and payments directly inside Acumatica’s Cloud ERP, automating invoice processing, approvals, and vendor payments.
Who can access this integration?
Currently, the embedded BILL AP automation is available for U.S.-based Acumatica Cloud ERP customers.
What payment methods are supported?
The system supports ACH, virtual cards, and paper checks, with flexibility for scheduling and batch payments.
Does it improve compliance?
Yes. The system maintains full audit trails, embeds KYC/AML protocols, and ensures secure vendor management.
How does this differ from standalone AP software?
Unlike separate AP tools, this integration connects directly to the ERP ledger, syncing payments, invoices, and financial analytics in real time.
When will the integration be fully available?
Rollout to Acumatica’s U.S. customers began in October 2025, with expanded functionality expected in early 2026.