## Smarter payments start here. Start your 30-day trial.

Forwardly makes vendor and invoice payments fast, secure, and predictable. US businesses can get started with a 30-day free trial covering bank transfers with zero processing fees. After that, simple per-transaction pricing applies with no monthly fees.

[Start now](https://app.forwardly.com/signup)

### Subscription $0 per month

- Per-transaction pricing only applies after your 30-day free trial ends.*
- No additional cost to add team members
- Track every payment instantly for you and your customers/vendors
- AI-powered auto-fill from invoices, smart approval workflows, and automated bill payments
- Auto-collect payments and never chase a business payment again
- Connect your existing bank account with no wallet pre-funding required
- Manage payments across multiple businesses from one modern platform
- High-volume businesses get white-glove onboarding for their customers and vendors at no cost
- Accounting firms can manage all client payments and workflows from a single dashboard

[Start now](https://app.forwardly.com/signup) [Take the tour](https://www.forwardly.com/product-tour)

## Costs to send a payment**

| Method | Payment type and speed | Costs to pay |
| --- | --- | --- |
| Pay by Bank account1 | Standard ACH bank transfer1<br>3-5 business days | $0.50<br>Five free outgoing payments are included monthly |
| Next-day ACH transfer1<br>Delivery by next business day | 1% (Min: $1, Max: $10) |
| Same-day ACH transfer1<br>Delivery same business day | 1% (Min: $1, Max: $20) |
| Instant bank transfer2<br>Within 60 seconds | 1% (Min: $1, Max: $30) |
| Pay by Card | Card payment<br>2-3 business days | 2.99% |

## Costs to receive a payment**

| Method | Payment type and speed | Costs to receive |
| --- | --- | --- |
| Pay by Bank<br> account1 | Standard ACH bank transfer1<br>3-5 business days | $0.50<br>Five free incoming payments are included monthly |
| Next-day ACH transfer1<br>Delivery by next business day | 1% (Min: $1, Max: $10) |
| Same-day ACH transfer1<br>Delivery same business day | 1% (Min: $1, Max: $20) |
| Instant bank transfer2<br>Within 60 seconds | 1% (Min: $1, Max: $30) |
| Pay by Card | Card payment<br>2-3 business days | 2.99%3<br>Can be passed to client |

*US businesses can try Forwardly free for 30 days, covering instant payments, same-day ACH, next-day ACH, and standard ACH. Our free trial is available to new customers only; [terms and conditions apply](https://support.forwardly.com/hc/en-us/articles/47995043522971-Free-Trial-Terms-and-Conditions).

**Fees can be covered by either you or your customers.

1 The scheduling deadline for non-instant bank payments is 11:00 am PT | 2:00 pm ET from Monday to Friday (not including bank holidays).

2 Instant transfers are only available for businesses using banks that support instant payment technology.

3 A $0.25 card payment settlement fee is charged per batch and cannot be passed to a client.

### Managing high, consistent monthly payment volume?

Forwardly works with clients moving high monthly volumes of payments to offer custom pricing, faster settlement times, and premium support. Whether you're looking to scale rapidly, maintain growth, or simply improve your existing workflows, if you process over six figures in payments per month, talk with our team to get started.

[Get in touch](https://support.forwardly.com/hc/en-us/requests/new?ticket_form_id=11988000302363&tf_subject=High+Payment+Volume+Pricing&tf_11988062404507=payment_fees)

## Frequently asked questions

Is there a free trial for new users?

Yes. All new users receive a 30-day free trial that includes zero processing fees on bank transfer payments. You can use Forwardly to send and receive payments with full access during this period. Once the trial ends, standard per-transaction processing fees apply.

[Terms and conditions apply.](https://support.forwardly.com/hc/en-us/articles/47995043522971)

How much does Forwardly cost?

Forwardly does not charge monthly subscription fees. You only pay per transaction, based on the payment method and speed. Every business gets 10 free standard ACH payments per month (5 incoming and 5 outgoing), while next-day ACH, same-day ACH, instant bank payments, and card payments may include a small fee. Card processing fee can also be passed to the customer depending on your business policy.

[See detailed pricing in our Support Center.](https://support.forwardly.com/hc/en-us/articles/41146877335963)

Are there any hidden fees?

Not at all! Forwardly is 100% transparent; you’ll always see any processing or settlement fees before you hit send. We believe in upfront costs so you can manage your payments confidently.

What happens if a payment fails?

If a payment fails, fees may apply depending on the method (e.g., ACH returns or card declines) or the reason for failure.

[For full details, see our support center.](https://support.forwardly.com/hc/en-us/articles/32028027510939)

Do fees vary by payment method or bank?

Yes. Fees depend on the payment method (card vs. instant bank transfer) and payment speed. Card processing fee can also be passed to the customer depending on your business policy.

[Learn more about payment fees in our Support Center](https://support.forwardly.com/hc/en-us/articles/41146877335963)

Why should my business choose Forwardly?

Forwardly simplifies how businesses manage accounts payable and receivable with an AI-native payments platform built for speed, control, and visibility. We make faster payments accessible to small and mid-size businesses with transparent, transaction-based pricing; no monthly fees, no per-user costs, and no hidden charges. With Forwardly, you can automate payments, approvals, and collections in one place, so you spend less time chasing payments and more time running your business.

Who pays the transaction fees?

The party initiating the transaction pays the applicable fees. Card processing fee can also be passed to the customer depending on your business policy.

Is there special pricing for higher-volume businesses?

Absolutely! If your business processes over six figures in payments per month, you may qualify for custom volume-based pricing.
[Reach out to Forwardly](https://support.forwardly.com/hc/en-us/requests/new?ticket_form_id=11988000302363&tf_subject=Volume-Based%20Pricing%20Inquiry&tf_11988062404507=payment_fees), and we’ll work with you to create a plan that fits your business needs.

## Your smarter, faster AP & AR solution is one click away.

[Get started](https://app.forwardly.com/signup)