5 Zapro Alternatives For Startups in 2025

Zapro is a company that specializes in vendor management and procurement solutions, leveraging AI to streamline and optimize various aspects of procurement and vendor relationships. They offer a range of features including vendor management, strategic sourcing, contract management, spend analytics, AP automation, and inventory management.

However, Zapro 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, MineralTree, Monite, Mercury, Ramp—each offering unique advantages to meet different business requirements.

5 Alternatives to Zapro

1) Overall Pick: Rho

At Rho, we are dedicated to providing a comprehensive financial platform that supports businesses from their early stages to their IPO and beyond. Our mission is to simplify financial operations, allowing founders and finance teams to focus on what they do best—building and growing their companies.

Rho Key Features

• Rho Platinum: Offers up to 2% cashback¹ on banking and card usage, providing a financial incentive for everyday business transactions.
• Rho Bill Pay: Allows payment to hundreds of vendors in minutes with zero platform fees, streamlining the accounts payable process.
• Rho Treasury: Provides a way to safeguard idle cash and earn a dynamic yield, optimizing cash management.
• Expense Management: Eliminates expense reports and captures every receipt, simplifying expense tracking and reporting.
• Rho Integrations: Direct integration with accounting, HR, and T&E software, ensuring seamless data flow across systems.
• Rho Partner Portal: A new version of Rho built specifically for world-class accounting partners, enhancing their service offerings.
• Corporate Credit Cards: Monitor corporate spend in real-time with custom card controls, providing greater oversight and control over expenses.

Unlike Zapro's vendor management focus, our Rho's Bill Pay feature allows you to pay hundreds of vendors in minutes with zero platform fees, making it a more efficient solution for managing payments.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to eliminate traditional banking fees and make financial management easier for businesses. 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 cost for same-day ACH transactions.
• $0 Wire fees: No cost for wire transfers, with some exceptions for international wires.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one without requiring a monthly plan.
• $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 for accessing the platform.
• 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!" - Users love it, and it has saved the finance department 60 hours per month.
• "Best banking for an early-stage startup" - Easiest bank to work with, supportive, and helps with broad questions about running startup finances.
• "From day one, using Rho has been simple and straightforward." - Text and email reminders help keep on track with accounting.

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

Source: Rho Reviews & Product Details

2) MineralTree

MineralTree provides an Accounts Payable (AP) automation solution designed to streamline finance operations and increase efficiency for CFOs, controllers, and accounting staff. The platform integrates seamlessly with existing ERP systems, enabling businesses to automate their AP workflow, maintain data synchronization, and achieve significant efficiency gains.

MineralTree Key Features

MineralTree offers a robust Accounts Payable (AP) automation solution designed to streamline finance operations and increase efficiency for CFOs, controllers, and accounting staff.

• TotalAP: Provides comprehensive AP automation and payment optimization, automating the entire AP process from invoice capture to payment.
• TotalPay: Streamlines the payment process, ensuring timely and accurate payments to vendors.
• Virtual Cards: Offers a secure and cost-effective payment method, providing virtual card payments that can earn rebates.
• ERP Integrations: Connects MineralTree with various ERP systems to keep critical data in sync and automate AP workflows.
• Scalability: Cloud-native software that adapts and scales with business growth.

MineralTree Pricing

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

Drawbacks To MineralTree

General user reviews of MineralTree highlight its efficiency in automating accounts payable processes, but some users report integration issues and technical glitches.

• "MineralTree has really helped us process our payables more efficiently by automating coding, approval routing, and mobile payment approval." - Ryan B.
• "We've experienced some syncing errors with our ERP system, which can be frustrating." - Verified User in Oil & Energy

Source: MineralTree Reviews 2025: Details, Pricing, & Features | G2

3) Monite

Monite offers financial administration automation solutions, including embedded invoicing and bill pay functionalities, aimed at improving revenue collection and spending control for businesses. The platform provides a single API that integrates robust AR/AP functionality, accounting integrations, and payments, allowing businesses to offer financial admin automation, including invoicing, bill pay, and payment links, to their customers.

Monite Key Features

Monite offers a range of features designed to enhance financial administration automation. Here are some of the most notable features:

• Fully Customizable API: Allows businesses to go live with just 2 developers in 2 weeks.
• Integrated Payments: Offers payment links and bill pay options that are directly integrated into the AP/AR process.
• Revenue Generation: Enables businesses to earn additional revenue through SaaS fees, transaction commissions, and financial services.
• Compliance and Integration: Ensures compliance for 25+ geographies and integrates with 40+ accounting platforms.
• Modular API and SDK Options: Provides REST API, React SDK, and iFrame for flexible integration.

Monite Pricing

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

Drawbacks To Monite

General user reviews of Monite highlight its strong team and high-performance culture, but some users note a higher workload typical of startup environments.

• "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

Source: Monite Reviews on Glassdoor

4) Mercury

Mercury offers online business banking services tailored for startups and small businesses, providing a comprehensive suite of financial tools to streamline operations. Their platform includes business checking and savings accounts, corporate credit cards, bill pay, invoicing, expense management, accounting automations, treasury services, and venture debt options, all managed from a single, user-friendly dashboard.

Mercury Key Features

Here are some of the most notable features of Mercury:

• Speed without Compromise: Efficiently manage your banking and financial operations from a single dashboard, completing any banking task in just a few clicks.
• Seamless Payment Processing: Set auto-transfer rules and send free USD wires, making it easy to send and receive payments.
• Unlock Credit Cards Earlier: Access unlimited 1.5% cashback on all spend with industry-low deposit minimums.
• Comprehensive Security Measures: Benefit from FDIC insurance, regulated partners, fraud monitoring, and strong account security protocols.
• Integrated Financial Workflows: Handle all your financial workflows, including bill pay, invoicing, expense management, and accounting automations, with zero complexity.

For more details, visit Mercury's homepage.

Mercury Pricing

Mercury offers transparent pricing with no annual fees and options to upgrade for advanced features.

• Mercury: Free business banking and finance essentials.
• Mercury Plus: $35/month for enhanced invoicing and reimbursement capabilities.
• Mercury Pro: $350/month for advanced workflows and dedicated support.
• Custom Solutions: Contact sales for custom pricing and plan options.

Drawbacks To Mercury

General user reviews of Mercury highlight its ease of use and modern interface, but some users express concerns about customer service and international transactions.

• "The account structure, ease of integration, and bonus fit perfectly with startup needs. Two outstanding needs: Zelle integration and partnerships for cash withdrawals." - Zachary Fleming
• "Appears like a total scam to me. Mercury was one of the perks available when I registered a company with Stripe Atlas, but account creation was problematic." - Sandakelum Senevirathna

Source: Mercury Reviews | Read Customer Service Reviews of mercury.com

5) Ramp

Ramp is a financial technology platform that provides a range of services aimed at simplifying and automating financial operations for businesses. Its offerings include corporate cards, expense management, accounts payable, procurement, and treasury services, all designed to enhance efficiency and save time for finance teams.

Ramp Key Features

Here are some of the most notable features of Ramp:

• Self-Enforcing Policies: Customize approval flows, pre-approve funds, issue cards with built-in controls, and stop out-of-policy spending.
• Automated Triple Checks: Ramp monitors transactions 24/7 to catch out-of-policy transactions, uncover errors, and identify overspending.
• Automation of Busywork: Automates tasks such as expenses, accounting, and compliance, allowing teams to focus on more strategic activities.
• Global Operations: Enables sending payments to 195 countries in over 40 currencies and reimburses employees in their local currencies within 2 days.
• Dedicated Support: Provides dedicated support anytime, anywhere, ensuring users have the help they need when they need it.

For more details, visit Ramp's homepage.

Ramp Pricing

Ramp offers tiered pricing plans designed to cater to businesses of various sizes, with a free option available.

• Free: $0/mo/user, best for smaller teams, includes unlimited cards and basic features.
• Plus: $15/mo/user + platform fee, automates busywork, includes advanced approval workflows.
• Enterprise: Custom pricing, full customization, includes direct and custom ERP integrations.

Drawbacks To Ramp

General user reviews of Ramp highlight its efficiency and ease of use, but some users report issues with card functionality and missing features.

• "Ramp saves us so much time. No more expense reports & that our team members can get paid directly for reimbursements - & they love that also." - Mark P.
• "Every business should have Ramp. We switched from Bill.com and there are a few things I love about Ramp: Ease of use, getting the team set up, and customer service." - Molli G.

Source: Ramp Reviews & Product Details

How to select the right Zapro alternative?

When evaluating alternatives to Zapro, consider the following tips to ensure you select the best fit for your business needs:

• Identify Core Needs: Determine the essential features your business requires, such as AP automation, expense management, or vendor management.
• Integration Capabilities: Ensure the platform integrates seamlessly with your existing ERP, accounting, and HR systems for smooth data flow.
• Cost Transparency: Look for a provider with clear and transparent pricing to avoid hidden fees and unexpected costs.
• User Experience: Evaluate the ease of use and user interface of the platform to ensure it is intuitive and accessible for your team.
• Customer Support: Consider the quality and availability of customer support to ensure you have help when you need it.
• Scalability: Choose a solution that can grow with your business, offering features and services that adapt to your evolving needs.
• Comprehensive Solutions: Platforms like Rho offer a wide range of integrated financial services, making them a versatile choice for businesses looking for an all-in-one solution.

Getting started with the best Zapro alternative

Each of the alternatives to Zapro offers unique features and benefits tailored 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 an all-in-one solution that simplifies financial operations and offers transparent pricing, we recommend Rho. To see how Rho can transform your financial management, request a demo today.