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SPECIFICTION
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Settle

settle.com

From $199/mo Free plan Web
Visit settle.com
Spec score 7.8 #15 of 32 in Accounts Payable Automation Software

What it is

Settle is web-based accounts payable automation for high-growth consumer and CPG brands. It captures invoice data, matches bills to purchase orders, routes approvals, and schedules payments without manual data entry. Approval rules can be based on vendor, amount, or accounting category, with single-step or multi-tier workflows. Payment methods include ACH, paper checks, domestic wires, and international payments in 40+ currencies. Approved bills and payments can sync with QuickBooks Online, NetSuite, Xero, and Finaloop. The free Launch plan includes unlimited seats and transactions; international wires cost $15.00. Accelerate costs $199 a month, billed monthly, and includes free international wires, a dedicated success manager, and white-glove onboarding support. Settle Working Capital offers non-dilutive funding with flexible 30–120 day repayment terms. Launch also includes procurement, landed costs, AI invoice data extraction, bills of materials, vendor management, and automated W-9/W-8 collection. Settle states that it is SOC 2 Type II Certified.

Spec sheet

Support
Settle directs customers to its support team at [email protected] for onboarding and integration assistance.Read 30 Sep 2026 · help.settle.com
Headquarters
San Francisco, CaliforniaRead 28 Sep 2026 · settle.com
Founded
2019Read 28 Sep 2026 · settle.com
Accelerate features
Accelerate adds volume-based costs, automated three-way matching, milestone tracking, multiple shipments per purchase or work order, custom user roles, and dedicated success support.Read 30 Sep 2026 · settle.com
Accounting integrations
Settle integrates with QuickBooks Online, NetSuite, Xero, and Finaloop, with approved bills and payments synced automatically.Read 30 Sep 2026 · settle.com
AP automation
Settle captures invoice data, matches bills to purchase orders, routes approvals, and schedules payments without manual data entry.Read 30 Sep 2026 · settle.com
Approval controls
Approval rules can be based on vendor, amount, or accounting category and support single-step or multi-tier workflows.Read 30 Sep 2026 · settle.com
Payment methods
Settle supports ACH, paper checks, domestic wires, and international payments in 40+ currencies.Read 30 Sep 2026 · settle.com
Privacy and security
Settle says it has technical, administrative, and physical security measures designed to protect information from unauthorized access, disclosure, and modification.Read 30 Sep 2026 · settle.com
Procurement features
The Launch plan includes procurement, landed costs, AI invoice data extraction, bills of materials, vendor management, and automated W-9/W-8 collection.Read 30 Sep 2026 · settle.com
Security compliance
Settle states that it is SOC 2 Type II Certified.Read 30 Sep 2026 · settle.com
Setup time
Settle says most brands can be up and running in days because there is no lengthy implementation or per-seat onboarding.Read 30 Sep 2026 · settle.com
Target customers
Settle is built for high-growth consumer brands and CPG brands.Read 30 Sep 2026 · settle.com
Team access
Settle provides unlimited seats with role-based permissions, including on the free plan.Read 30 Sep 2026 · settle.com
Working capital
Settle Working Capital provides non-dilutive funding with flexible 30–120 day repayment terms.Read 30 Sep 2026 · settle.com

Plans and prices

Launch Free Unlimited seats · Unlimited transactions · International wires $15.00 Read 30 Sep 2026 · settle.com
Accelerate $199 a month Billed monthly Unlimited seats · Unlimited transactions · International wires Free · Dedicated success manager · White-glove onboarding support Read 30 Sep 2026 · settle.com

Every Settle plan and price →

Strong points and limits

Strong points

  • Captures invoices through OCR, email, or upload
  • Approval rules support multi-stage workflows
  • Supports ACH, checks, domestic wires, and international payments
  • Integrates with QuickBooks Online, NetSuite, Xero, and Finaloop
  • Launch includes unlimited seats and transactions

Limits

  • International wires cost $15.00 on the free Launch plan
  • Accelerate costs $199 a month
  • Listed platform is web

Who it suits

Settle suits high-growth consumer and CPG brands seeking invoice handling, approvals, supplier payments, and accounting integrations. Its free Launch plan includes unlimited seats and transactions, while Accelerate adds dedicated success and onboarding support.

Verdict

Settle combines invoice processing, approvals, payments, and accounting integrations for consumer and CPG brands. Compare Launch’s international wire charge with Accelerate’s monthly cost and added support.

Where Specifiction places it

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