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MineralTree

MineralTree is accounts payable automation software for mid-market and enterprise finance teams, covering invoice capture, approvals and vendor payments.

Our take: MineralTree handles the whole AP cycle and pairs it with payment options, including rebate-earning virtual cards, that can offset part of its cost.

Best forMid-market AP automation
ReviewedPricing: Paid
6.4 out of 105 criteria · see breakdown
Try MineralTreeQuote-based (setup, platform and usage fees)

MineralTree is accounts payable automation software for mid-market and enterprise finance teams: invoice capture, approvals and vendor payments by ACH, check or virtual card. It publishes no prices; TotalAP is quoted as a one-time setup fee, an annual platform fee and monthly usage fees. Global Payments agreed to acquire the company in 2021.

MineralTree is owned by Global Payments

Global Payments agreed to acquire MineralTree on 8 September 2021 for $500 million in cash, with closing expected in the fourth quarter of 2021. The product keeps the MineralTree name and the site brands it as 'A Global Payments Company'.

In September 2020 MineralTree bought Inspyrus and Regal Software; Inspyrus is now sold as MineralTree's enterprise AP product.

Checked October 4, 2026
The bottom line

A strong option for mid-market AP teams on a supported ERP; get a full fee breakdown before you sign.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isAccounts payable and B2B payment automation software for mid-market and enterprise finance teams, owned by Global Payments.
Our takeMineralTree handles the whole AP cycle and pairs it with payment options, including rebate-earning virtual cards, that can offset part of its cost.
Its ERP coverage and compliance list suit finance teams with audit duties. The weak spot is transparency: you only learn the price after a demo, and the fee mix has several parts.
Why we rate itFull invoice-to-pay coverage, wide ERP sync and strong compliance credentials.
The catchNo published prices and a multi-part fee structure.

Best / not good for

Best for
  • Mid-market AP teams
  • Companies on NetSuite, Sage Intacct or Dynamics
  • Finance teams that want virtual card rebates
Not good for
  • Small businesses wanting self-serve signup
  • Buyers who need list prices up front
  • Teams that cannot spare a few weeks for implementation
Trade-offs

Friction report

Trade-offs to know before signing up.

  1. Time to value
    About 4 weeks on average from kickoff to first payment, per MineralTree.
  2. Scale breakpoint
    High-volume, multi-ERP setups move to the Inspyrus enterprise product.
  3. Walled garden
    Moderate: syncs both ways with major ERPs, but payments run through MineralTree's network.
Still a fit?
If none of these block you, try it on the official site.
Try MineralTree

How MineralTree pricing works

Fee or factorWhat MineralTree says
Published pricesNone; pricing comes after a demo
One-time setup feeYes (TotalAP)
Annual platform feeYes (TotalAP)
Monthly usage feesFor invoice capture, ACH payments and check payments (TotalAP)
Possible extrasAccounting system, banking setup, onsite training
Pricing basisInvoice and payment volume (FAQ)

From MineralTree's TotalAP page and FAQ, checked 4 October 2026. The FAQ also says there are no user, transaction or workflow configuration fees.

Frequently Asked Questions

How much does MineralTree cost?

MineralTree does not publish prices. Its TotalAP page says pricing includes one-time setup fees, an annual platform fee and monthly usage fees for invoice capture, ACH and check payments, with possible extra fees for accounting system, banking setup or onsite training. Its FAQ adds that pricing is based on invoice and payment volume (checked 4 October 2026).

Who acquired MineralTree?

Global Payments agreed to acquire MineralTree on 8 September 2021 for $500 million in cash, with closing expected in the fourth quarter of 2021. The site now brands the company as 'MineralTree, A Global Payments Company'.

Is MineralTree legit?

MineralTree is an established AP automation vendor, owned by Global Payments since the 2021 deal, and served more than 3,000 mid-market and enterprise customers at that time. It lists SOC 1 Type 2, SOC 2 Type 2 and PCI DSS Level 1 compliance. As with any payments vendor, check contract terms and fees in your quote.

Which ERPs does MineralTree integrate with?

TotalAP has native API sync with Sage Intacct, QuickBooks, NetSuite and Microsoft Dynamics GP, and CSV-based sync for systems such as Sage 50 and Acumatica. MineralTree's FAQ also lists Oracle EBS, ERP Cloud, JD Edwards and PeopleSoft, SAP and Sage 100.

How long does MineralTree take to set up?

MineralTree says TotalAP implementations take 4 weeks on average from kickoff to first payment, with faster options available; its FAQ mentions some clients finishing in under 12 days.

MineralTree alternatives

Other accounts payable tools to compare:

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Sources checked October 4, 2026: MineralTree homepage, MineralTree TotalAP, MineralTree FAQs, Global Payments acquisition announcement.

Conversion Gems independently reviews every tool.

Tags

#AccountsPayable#APAutomation#B2BPayments#Finance

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