End-to-end AP Automation & Payment Optimization for Mid-Market and Enterprise

MineralTree’s TotalAP accounts payable automation solution digitizes and automates the entire invoice-to-pay process to make paying your suppliers easy, impactful, and profitable. Our cloud-based accounts payable solution can scale from processing hundreds to tens of thousands of invoices every month, allowing your team to scale and support business growth without adding headcount.


Accounts Payable is the #1 back-office digitization priority for finance leaders


Process 3x your current invoice volume without increasing headcount


Reduce total cost per invoice by up to 430% with end-to-end AP automation.

What is TotalAP?

MineralTree TotalAP allows you to automate and optimize each phase of an invoice's journey to suit your back office team's workflow and specific user needs. We optimize for all user roles from AP clerk to CFO--whether they are approving invoices or diving into real-time analytics, we provide the tools to accelerate invoice processing, optimize payments, and improve working capital.

Eliminate manual data entry and associated errors by automatically capturing and coding header and line-level data, with the ability to scale to any invoice volume. Identify and quickly resolve exceptions with 2-way or 3-way Auto PO Matching.

Data syncs directly with your ERP for consistency.

Instantly route invoices to the appropriate personnel for easy review and approval, with automated reminders so you never have to chase anyone. Configure multiple approval tiers and routing logic based on specific attributes (e.g., amount, vendor, department, location etc.)

Enable finance leaders to easily approve and schedule payments according to their cash management policy. Mitigate fraud risk with built-in payment controls, such as segregation of duties, two-factor authentication, and dual approvals for payments above certain thresholds.

Stop cutting paper checks–just authorize your payments and let MineralTree do the rest. We’ll optimize your payment mix to minimize transaction costs and maximize rebates. Our dedicated team handles supplier ePayments enrollment, inquiries, issues, and secure data management while providing detailed remittance on every payment. All payments easily reconcile back to your ERP.

Ditch the spreadsheets and access real-time dashboards that visualize KPIs such as invoice aging, payment mix, and rebates earned. Make more informed decisions and align AP with your strategic business objectives.

Why automate AP with MineralTree?

Improve Visibility & Retain Control

Eliminating paper and managing AP from a central platform accessible anywhere provides better visibility across user roles, business units, and locations. Real-time analytics provide insights and help you maintain better control over spend.


Increase Efficiency & Fuel Business Growth

Scaling your business with manual AP processes is an uphill battle, to say the least. Accounts Payable Automation allows you to process invoices faster with fewer errors and exceptions, eliminating friction without adding headcount.

Enhance Security & Mitigate Fraud Risk

Nobody wants to be the next headline. Mitigate external and internal risk by maximizing e-payments, creating a clean audit trail, offloading management of vendor payment details, and using best-in-class security controls.


Improve Supplier Experience

Delight your suppliers by streamlining payments with timely payments using their preferred method, enhanced remittance, and professional support from our dedicated team.


Simplify Reconciliation

Reconcile just once per payment run rather than reconciling individual payments as they are processed. Close the books at month-end and quarter-end faster.

money bag and coins

Reduce Payment Costs & Generate Cash

Leverage MineralTree’s supplier network to reduce payment costs and maximize cost savings, security, and cash-back rebates by converting paper checks into virtual card and other ePayments.

Want to see TotalAP in action? Request a demo and learn more about how we can help streamline your payables.

Connect to 100s of ERPs with Minimal Integration Effort

MineralTree has the broadest ERP coverage across mid-market and enterprise. TotalAP supports direct, real-time integration with the world’s leading ERPs, along with the ability to integrate with hundreds of others.

1000s of Companies Use MineralTree to Streamline AP and Optimize Payments

We’d love to tell you their stories.

Here’s how our users rate MineralTree vs. the competition

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Calculate Your ROI

We get it–it’s a big decision to spend your valuable budget on a solution you think might be a great fit for you. Try our ROI calculator and see just how quickly you could potentially benefit from TotalAP.


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Dig Deeper

Part of understanding the benefits of AP Automation is first understanding the major building blocks.

What is Accounts Payable?

What is AP Automation?

Payment Tokenization Explained

What is Invoice Processing?

Contact Us

Automated Payments Explained

What accounting systems do you support?

MineralTree offers deep integration with many of the leading ERPs and Accounting Systems. Here are just a few of the many ERPs we support: Oracle (NetSuite, EBS, ERP Cloud, JDE, PeopleSoft); SAP, Quickbooks (Desktop, Online); Microsoft Dynamics (Business Central, Great Plains, Finance & Operations) and Sage (Intacct, 50, 100).

What is a virtual card?

A Virtual Card is a randomized, one-time-use 16-digit number that is authorized for a specific payment amount. Virtual Cards are by far the most secure and cost-effective option when paying your vendors. You can also earn rebates on every payment. Many of your suppliers will prefer virtual card payments as it provides faster receivables with detailed remittance, and more predictable cash flow in addition to security. If vendors don’t accept cards, we can still optimize payments via ACH or check.

How do vendors get updated when payments are sent?

Once you’ve authorized payments, MineralTree handles the rest. We work with your vendors to determine the optimal payment method they can accept–whether check, ACH or virtual card. We send payment along with a detailed remittance email referencing the original invoice(s). Our Supplier Enablement team is always available to handle inquiries or update vendor account details as needed.

Do you offer International Payments?

MineralTree can automate capture, approval, and payment of international invoices in 130 local currencies via international wire transfers. Our exchange rates are real-time, compared to daily exchange rates that build in extra margin to protect against intraday fluctuations. Moreover, our $20 fee per transaction is 40% lower than typical international wires and waived entirely for currency conversions $5,000 and above.

How much does it cost? Is there a pricing list available?

Our pricing is based on your volume of invoices and payments. Contact us to get a price quote for your business.

Unlike other AP automation solutions, we don’t charge per user fees. Your MineralTree license entitles you to as many users as you need for your accounts payable process.

I only want to automate payments--is that possible? How much does that cost?

While automating the end-to-end process delivers greater efficiency, visibility and control, your business can automate payments-only with MineralTree TotalPay to suit your existing workflow.

Schedule a Demo

Take a spin with an informative demo and see how MineralTree works in action.