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Circulus

circulus.io

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Spec score 9.1 #2 of 32 in Accounts Payable Automation Software

What it is

Circulus automates accounts payable and bill processing for enterprises and small-to-medium businesses. Its cloud platform routes invoices through multi-step, rules-based approvals, codes line items, supports role-based access and handles multiple entities. Purchase orders can be matched on a touchless two-, three- or four-way basis. Invoice capture uses OCR, email and uploads; other intake routes include web forms, feeds, EDI/XML, FTP, PO box services and a web scan interface. Circulus says its extraction handles semi-structured and handwritten data with 99%+ accuracy from day one. Users can track activity through audit trails, search, dashboards, reporting and internal communication tools. Payments include checks, ACH and virtual cards, with supplier onboarding and payment notifications for ACH and virtual cards. Android and iOS apps support invoice access, review and approval. Named integrations include QuickBooks Online and Desktop, Sage 100 Contractor and Oracle R-12. The Circulus AP Automation plan is $481 a month; additional users cost $36/month on limited-access plans, with per-payment fees of ACH $0.49, check $1.69 and virtual card free. An SMB trial runs 30 days; full SMB bill-payment features require an active QuickBooks account.

Spec sheet

What it does
Circulus is a cloud accounts-payable platform combining invoice automation, bill processing, workflow, payments and outsourcing services.Read 21 Oct 2026 · circulus.io
Purpose
Circulus provides cloud-based accounts payable automation and bill processing for enterprise and small-to-medium businesses.Read 3 Oct 2026 · circulus.io
API
XTGlobal describes a web-service API for integrating accounting and business software, but no Circulus-specific public API reference is provided on the product site.Read 21 Oct 2026 · xtglobal.com
Integrations
Circulus says it integrates with virtually any ERP or accounting platform; its SMB platform supports QuickBooks Online and QuickBooks Desktop, while its AP integration page names Sage 100 Contractor as well.Read 3 Oct 2026 · circulus.io
Mobile apps
Circulus states that mobile applications for invoice review and approval are available on iOS and Android.Read 21 Oct 2026 · circulus.io
Security
The SMB functionality page lists Norton Secured SSL, FDIC-insured bill payments, Positive Pay, and SOC 1 Type II under security.Read 3 Oct 2026 · circulus.io
Support
Support includes toll-free phone service, live chat, email, a knowledge center and how-to videos.Read 21 Oct 2026 · circulus.io
Headquarters
Plano, Texas, United StatesRead 28 Sep 2026 · circulus.io
Founded
2017Read 28 Sep 2026 · circulus.io
Access control
Role-based access and configurable user roles are provided.Read 21 Oct 2026 · circulus.io
Accuracy claim
Circulus claims 99% or better data-extraction accuracy from day one.Read 21 Oct 2026 · circulus.io
Audit and reporting
The product includes audit trails, search, role-based dashboards, reporting and internal communication tools.Read 21 Oct 2026 · circulus.io
Browser requirements
The FAQ lists Internet Explorer 9–11 or Edge, Chrome 37/38/55 or latest, Firefox 31/32/33/50 or latest, and Safari 5.1.5–7.1.Read 21 Oct 2026 · circulus.io
Data extraction
Circulus accepts semi-structured and handwritten documents using client-specific mapping templates and validation.Read 21 Oct 2026 · circulus.io
Document routing
Invoices can be routed automatically through configurable approval and business-rule workflows.Read 21 Oct 2026 · circulus.io
Free account
Terms allow invited users to create free accounts for receiving bill payments, but those accounts cannot use other features.Read 21 Oct 2026 · circulus.io
Geographic limitation
The FAQ says payments operated only within the United States at the time of publication.Read 21 Oct 2026 · circulus.io
Hosting model
Circulus describes its offering as cloud-based and says implementation requires no customer infrastructure changes.Read 21 Oct 2026 · circulus.io
Implementation
Circulus says implementation is remote and managed, includes application training and onboarding, and requires no client-side technology personnel for ongoing support.Read 3 Oct 2026 · circulus.io
Input channels
Supported intake methods include web forms, data feeds, uploads, EDI/XML, email, FTP, PO boxes and a proprietary scan interface.Read 21 Oct 2026 · circulus.io
Invoice intake
Invoices and other data can be submitted through web forms, feeds, direct uploads, EDI/XML, email, FTP, PO box services, and its web scan interface.Read 3 Oct 2026 · circulus.io
Limit: G2 usability
The G2 reviewer said the interface was unintuitive, required extensive training and recommended piloting before rollout.Read 21 Oct 2026 · g2.com
Limit: Gartner reporting
A Gartner review says reporting customization remains limited and another mentions a slow pace of development.Read 21 Oct 2026 · gartner.com
Line-item coding
Circulus provides automated line-item coding for invoices.Read 21 Oct 2026 · circulus.io
Maker founded
XTGlobal, the parent company, was founded in 1998.Read 21 Oct 2026 · linkedin.com
Maker headquarters
Circulus lists headquarters at 2701 Dallas Parkway, Suite 300, Plano, Texas 75093.Read 21 Oct 2026 · circulus.io
Maker ownership
Circulus says it was formed in 2017 as a convergence of business units owned by XTGlobal, Inc.Read 21 Oct 2026 · circulus.io
Maker size
LinkedIn lists Circulus as privately held, headquartered in Plano, with 501–1,000 employees and founded in 1998.Read 21 Oct 2026 · linkedin.com
Multi-entity
The platform supports multiple legal entities within AP operations.Read 21 Oct 2026 · circulus.io
Notable news
Circulus announced Oracle Cloud Marketplace availability on February 26, 2020.Read 21 Oct 2026 · circulus.io
Payment limitation
Full bill-payment functionality requires an active QuickBooks Online or QuickBooks Desktop account.Read 21 Oct 2026 · circulus.io
Payments
Payment options include checks, ACH and virtual cards, with remittance views and vendor email notifications.Read 21 Oct 2026 · circulus.io
PO matching
The platform supports touchless two-way, three-way and four-way purchase-order matching.Read 21 Oct 2026 · circulus.io
Praise: G2
The sole G2 reviewer valued coding invoices to the correct general-ledger area.Read 21 Oct 2026 · g2.com
Praise: Gartner automation
Gartner reviewer feedback praises automated invoice capture, approval routing, OCR accuracy and shorter AP closing cycles.Read 21 Oct 2026 · gartner.com
QuickBooks data scope
Synchronization covers vendors, bills, expenses, payments, classes, customers, items, terms, locations and accounts.Read 21 Oct 2026 · circulus.io
QuickBooks integration
QuickBooks Online and QuickBooks Desktop integrations provide daily or on-demand synchronization.Read 21 Oct 2026 · circulus.io
Rating on G2
0.0 out of 5 from 1 reviewRead 21 Oct 2026 · g2.com
Rating on Gartner Peer Insights
4.5 out of 5 from 5 reviewsRead 21 Oct 2026 · gartner.com
Recurring-payment limitation
Circulus does not support recurring payments, although recurring bills can be created.Read 21 Oct 2026 · circulus.io
Security controls
The SMB product page lists Norton Secured SSL, FDIC-insured payments, Positive Pay and SOC 1 Type II.Read 21 Oct 2026 · circulus.io
SMB requirement
An active QuickBooks Desktop or Online account is required for the full bill-payment capabilities of the SMB platform.Read 3 Oct 2026 · circulus.io
SMB trial
The SMB FAQ brochure describes a 30-day free trial with up to three users and 15 complimentary ACH payments, 15 check payments, and 15 bill data-entry services.Read 3 Oct 2026 · support.circulus.io
Terms entity
The service agreement identifies Circulus, LLC as a Texas corporation.Read 21 Oct 2026 · circulus.io
Visibility
The platform provides detailed audit trails, search, role-based dashboards and reporting, and internal communication tools.Read 3 Oct 2026 · circulus.io
Workflow
The platform supports multi-step rules-driven workflows, automated document routing, line-item coding, role-based access, and multi-entity support.Read 3 Oct 2026 · circulus.io

Plans and prices

Startup $39.99 a month Monthly 1 user · solo businesses · simple enter-and-pay process Read 21 Oct 2026 · circulus.io
Circulus AP Automation $48 a month Starting price for first user Additional user $36/month · ACH $0.49/payment · check $1.69/payment · virtual card free Read 21 Oct 2026 · circulus.io
Accountant $49.99 a month Monthly Unlimited users · approval workflows · employee expenses Read 21 Oct 2026 · circulus.io
Business $69.99 a month Monthly 3 users · approval workflows Read 21 Oct 2026 · circulus.io
Unlimited $99.99 a month Monthly Unlimited users · approval workflows · multiple user types Read 21 Oct 2026 · circulus.io

Every Circulus plan and price →

Strong points and limits

Strong points

  • Matches purchase orders on two-, three- and four-way terms
  • Accepts invoices through multiple intake routes
  • Supports checks, ACH and virtual-card payments
  • Mobile apps allow invoice review and approval

Limits

  • No free plan
  • Listed plan costs $481 a month
  • SMB payment features require active QuickBooks
  • Additional user and per-payment fees apply

Who it suits

Circulus suits organizations that need invoice routing, purchase-order matching and supplier payments across one or multiple entities. The mobile apps also suit approvers who need to review invoices on Android or iOS.

Verdict

Circulus specifies broad intake, matching, workflow and payment options, along with supported mobile platforms and named accounting integrations. Check the listed plan and usage fees, and confirm the QuickBooks requirement if using the SMB payment features.

Where Specifiction places it

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