Forwardly Review (2026)$0 Plan, ACH Fees and Limits
By Daan Haket · Researched and written with an AI assistant · who does what
The price page is clear about fees, but the headline savings depend on both sides being on the Forwardly Network.
- Best for Small businesses paying vendors by ACH
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Is Forwardly right for you?
Your pain“Every vendor payment carries a fee, and over a year those fees add up.”
Does Forwardly solve it?YesPricing page, read 14 Nov 2026: 10 standard ACH payments a month are free (5 sent, 5 received), and transfers between two network businesses cost $0.
Your planFree business account, $0 a month; standard ACH $0.50 after the free ones
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Your pain“A supplier wants the money today, and every rush transfer is priced per payment.”
Does Forwardly solve it?PartlyPricing page, read 14 Nov 2026: same-day ACH is 1% (minimum $1, maximum $20) and instant transfer is 1% (maximum $30).
Your planPay as you go, 30-day trial, then per-payment fees
Try Forwardly →
Your pain“I juggle separate logins and approvals for each client I pay bills for.”
Does Forwardly solve it?PartlyVendor page, read 14 Nov 2026: an accountant dashboard, client management hub and custom roles are listed. We have not tested them.
Your planFree business account; QuickBooks Online and Xero sync needs Pay as you go
Try Forwardly →
- you pay suppliers outside the US, you need an ERP sync such as NetSuite without an enterprise quote, or you want a tool we have tested ourselves.
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Pricing (2026)
✓ Pricing re-verified 14 Nov 2026
Forwardly has no monthly platform fee. The free business account costs $0 a month and includes 10 free standard ACH payments a month (5 sent and 5 received), card or bank collection, AI bill capture, a dedicated bill inbox, unlimited users with custom roles, auto collect and auto pay, accounting sync, payment links, custom approval workflows and W-9 collection, with standard email support.
The Pay as you go tier starts with a 30-day free trial for US businesses and adds unlimited standard ACH, fast and instant payment options from as little as $1 a payment, and real-time sync with QuickBooks Online and Xero. Enterprise is custom priced and adds volume discounts, API access, sync with Sage Intacct, Oracle NetSuite and Microsoft Dynamics 365, and phone support.
Full pricing notes (2 more paragraphs)
The fee table lists standard ACH at $0.50 after the free payments, next-day ACH at 1% (minimum $1, maximum $10), same-day ACH at 1% (minimum $1, maximum $20), instant bank transfer at 1% (minimum $1, maximum $30), and card payments at 2.99%, which can be passed to the client. A $0.25 card settlement fee is charged per batch and cannot be passed on.
Transfers between two businesses on the Forwardly Network cost $0. The page says that after the trial, new customers get special promotional pricing for 12 months from sign-up. We did not open an account, so tax and the price after the promotional period are not known.
Plans change, so check the live price on their site before you buy.
Category context: Financial Operations. Across the 11 tools in this category that we researched with a public US-dollar price, the median entry price is about $25 a month (lowest paid plan as listed, per seat where the vendor prices per seat). Compare pricing conditions in the Software Cost Atlas →
What the pricing page doesn’t say
Fast payment options cost 1% per payment, card payments cost 2.99%, and the trial and the promotional pricing apply to new US businesses only. We have not tested the product.
What Forwardly does
B2B payments platform for paying vendor bills and collecting invoices by ACH, with a bill inbox and accounting sync.
Pay as you go adds unlimited standard ACH and fast payments
The free account already covers a small payer: 10 standard ACH payments a month are free, 5 sent and 5 received, and the Forwardly Network makes transfers between two connected businesses free with no cap. The paid tier, Pay as you go, mostly changes what the same transfers cost: standard ACH becomes unlimited, and next-day, same-day and instant options are priced at 1% with a cap of $10, $20 and $30.
Real-time sync with QuickBooks Online and Xero is listed on this tier, not on the free account. The page prices the fast options per payment, so what you pay depends on how often a supplier wants money the same day. Enterprise is a quote and is where API access and the larger ERP syncs sit.
How to actually use Forwardly
Start on forwardly.com with a free business account; US businesses also get a 30-day trial of the Pay as you go tier. Connect a bank account, invite vendors or customers, and forward bills to the dedicated bill inbox, where AI bill capture reads them. The pricing page says non-instant bank payments must be scheduled before 11:00 am PT (2:00 pm ET) on a business day to go out that day, and that instant transfers only work for banks that support instant payments.
We have not opened an account or sent a payment. Before moving real vendor payments, check which of your bank accounts support instant transfers and whether your accounting system is on the list that syncs in real time.
Distilled from Forwardly's own pricing page (forwardly.com/pricing), read on 14 November 2026. Forwardly is an affiliate partner of ours through PartnerStack. We have not opened an account or run the product ourselves.
Forwardly vs Bill.com, side by side
Each column shows the vendor’s own published entry price, read on the date shown. Entry prices can cover different services or units, so check what each one buys. We do not average them into a score.
Both names above are affiliate links: we may earn a commission if you sign up, at no extra cost to you. Neither changes what this table says.
The natural comparison is Bill.com: Bill.com charges a monthly subscription per user, while Forwardly lists $0 a month and charges per payment. Compare the cost of your usual payment mix and the approval workflow you need.
Frequently asked questions
How much does Forwardly cost?
Per the pricing page read on 14 November 2026, there is no monthly platform fee. The free business account includes 10 standard ACH payments a month (5 sent, 5 received). After that standard ACH is $0.50, next-day and same-day ACH are 1% with caps of $10 and $20, instant transfers are 1% capped at $30, and cards are 2.99%.
When is a payment free?
Bank-to-bank transfers between two businesses that are both on the Forwardly Network cost $0 with no cap, according to the fee table. Payments to a vendor who is not on the network use the standard ACH price list.
Is there a free trial?
Yes, a 30-day trial for new US businesses that covers instant, same-day, next-day and standard ACH. The page adds that after the trial, new customers get promotional pricing for 12 months from sign-up. It does not say what the price is after that.
Which accounting systems does it connect to?
The pricing page lists real-time sync with QuickBooks Online and Xero on Pay as you go. Sage Intacct, Oracle NetSuite, Microsoft Dynamics 365, Intuit Enterprise Suite and Campfire are listed under Enterprise.
Is this a hands-on review of Forwardly?
This is a researched assessment, not a hands-on test. Where we've used a tool ourselves, we say so explicitly. We name what each tool is good and bad at, and we earn a commission only if you sign up, at no cost to you.
- Read 2026-11-14 on forwardly.com/pricing, US dollars.
- A dated screenshot of that pricing page, kept on this site as the receipt.
Bottom line
In one line: B2B payments for AP and AR; $0 plan, ACH from $0.50.
Best for: small businesses paying vendors by ACH.
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Others in this category
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