{
 "schema_version": "1.0",
 "id": "forwardly",
 "name": "Forwardly",
 "research_status": "researched",
 "vendor_domain": "forwardly.com",
 "category": "Financial Operations",
 "task": "Paying bills & getting paid",
 "summary": "B2B payments platform for paying vendor bills and collecting invoices by ACH, with a bill inbox and accounting sync.",
 "best_for": "small US businesses and bookkeepers who pay vendors and collect invoices by ACH and want a free account with an AP and AR inbox",
 "skip_if": "you pay suppliers outside the US, you need an ERP sync such as NetSuite without an enterprise quote, or you want a tool we have tested ourselves",
 "honest_knock": "The price page is clear about fees, but the headline savings depend on both sides being on the Forwardly Network. Fast payment options cost 1% per payment, card payments cost 2.99%, and the trial and the promotional pricing apply to new US businesses only. We have not tested the product.",
 "pricing": {
  "status": "see_details",
  "entry_price": null,
  "entry_price_terms": null,
  "from_price_usd_month": null,
  "plans": null,
  "plans_source": null,
  "notes": "(read 2026-11-14 on forwardly.com/pricing, US dollars) Forwardly has no monthly platform fee. The free business account costs $0 a month and includes 10 free standard ACH payments a month (5 sent and 5 received), card or bank collection, AI bill capture, a dedicated bill inbox, unlimited users with custom roles, auto collect and auto pay, accounting sync, payment links, custom approval workflows and W-9 collection, with standard email support. The Pay as you go tier starts with a 30-day free trial for US businesses and adds unlimited standard ACH, fast and instant payment options from as little as $1 a payment, and real-time sync with QuickBooks Online and Xero. Enterprise is custom priced and adds volume discounts, API access, sync with Sage Intacct, Oracle NetSuite and Microsoft Dynamics 365, and phone support. The fee table lists standard ACH at $0.50 after the free payments, next-day ACH at 1% (minimum $1, maximum $10), same-day ACH at 1% (minimum $1, maximum $20), instant bank transfer at 1% (minimum $1, maximum $30), and card payments at 2.99%, which can be passed to the client. A $0.25 card settlement fee is charged per batch and cannot be passed on. Transfers between two businesses on the Forwardly Network cost $0. The page says that after the trial, new customers get special promotional pricing for 12 months from sign-up. We did not open an account, so tax and the price after the promotional period are not known.",
  "verified_at": "2026-11-14",
  "source_url": "https://forwardly.com/pricing",
  "schema_offer": null,
  "source_quotes": null,
  "recent_change": null,
  "price_history": null
 },
 "free_plan": true,
 "free_plan_evidence": "The free business account costs $0 a month and includes 10 free standard ACH payments a month (5 sent and 5 received), card or bank collection, AI bill capture, a dedicated bill inbox, unlimited users with custom roles, auto collect and auto pay, accounting sync, payment links, custom approval workflows and W-9 collection, with standard email support.",
 "cost_traps": [],
 "compare_with": {
  "name": "Bill.com",
  "why": "Bill.com charges a monthly subscription per user, while Forwardly lists $0 a month and charges per payment. Compare the cost of your usual payment mix and the approval workflow you need"
 },
 "links": {
  "record": "https://aibuildermarketplace.com/api/v1/products/forwardly.json",
  "review": "https://officesoftwaremarketplace.com/forwardly-review.html",
  "marketplace": "https://aibuildermarketplace.com/marketplace/forwardly/",
  "vendor_site": "https://forwardly.com"
 },
 "purchase": {
  "seller": "the vendor",
  "how": "AIBuilder Marketplace does not sell this software. Sign up, start a trial or buy on the vendor's site.",
  "handoff_url": "https://get.forwardly.com/hbeoo9t18ynn",
  "affiliate": true,
  "disclosure": "Where purchase.affiliate is true, purchase.handoff_url is an affiliate link: AIBuilder Marketplace may earn a commission at no extra cost to the buyer. Commission never changes what a record says, and products are not ranked by commission. Where it is false the link is the vendor's plain site."
 },
 "provenance": {
  "research": "hand-researched dossier, read on the vendor's own pages",
  "researched_since": "2026-07",
  "method": "https://aibuildermarketplace.com/how-we-review/",
  "license": "CC BY 4.0. Credit 'AIBuilder Marketplace' with a link to https://aibuildermarketplace.com/atlas/.",
  "note": "A rebuild is not a new measurement: pricing.verified_at is the date that matters."
 },
 "cost": {
  "status": "not_yet",
  "engine": "https://aibuildermarketplace.com/agents/#cost",
  "rules": null,
  "growth": null
 },
 "unknowns": [
  "Pricing status is 'see_details': no single public entry price.",
  "Plan-by-plan prices are not structured in this record yet; pricing.notes has the full text.",
  "Contract terms (cancellation, data export, data location, minimum seats) are not researched as separate fields; pricing.notes mentions them only where the vendor's pricing page does.",
  "Being verified: free trial and refund terms are not yet matched to a verbatim line on the vendor's own pages. Not matched does not mean there is none.",
  "No computable price rules yet: cost at a given team size cannot be calculated for this product.",
  "Not tested hands-on by us: what the product does comes from the vendor's pages and our reading of them."
 ],
 "verification": {
  "price": "read",
  "free_trial": "being_verified",
  "refund": "being_verified"
 },
 "status_page": null,
 "task_evidence": null,
 "open_questions": [
  {
   "question_id": "forwardly:cancellation_terms",
   "key": "cancellation_terms",
   "question": "Can a customer cancel at any time, and what happens to an annual plan that is cancelled mid-term?",
   "status": "open"
  },
  {
   "question_id": "forwardly:data_export",
   "key": "data_export",
   "question": "Which data can a customer export, in which formats, on which plans?",
   "status": "open"
  },
  {
   "question_id": "forwardly:data_location",
   "key": "data_location",
   "question": "Where is customer data stored, and can a customer choose the region?",
   "status": "open"
  },
  {
   "question_id": "forwardly:minimum_seats",
   "key": "minimum_seats",
   "question": "Is there a minimum number of seats or users on any plan?",
   "status": "open"
  }
 ],
 "vendor_answers": [],
 "agent_channels": {
  "vendor_mcp": null,
  "agent_checkout": {
   "status": "not_checked",
   "detail": "We could not read the vendor's pages as plain HTML.",
   "checked_at": "2026-10-07",
   "method": "homepage, /pricing and the pricing page we cite, read as plain HTML (no JavaScript) and searched for explicit support of purchases by AI agents: Agentic Commerce Protocol, Instant Checkout, Agent Payments Protocol, buy in ChatGPT, agentic checkout"
  }
 }
}