Bills arrive by email. Someone re-keys them. Someone else approves over email. Payment is manual.
Budgetly captures every bill the moment it arrives, routes it through your approval workflow, pays via BPAY, PayID, or bank transfer, and syncs to your accounting software. No re-keying. No email chains.
Sam Bennett · Budget Owner
ForwardedAustralia's favourite.
99% of businesses stick with Budgetly.
Replace email chains, manual entry, and late payments.
Every manual invoice is a compliance risk, a delayed payment, and wasted finance hours. Bills scattered across inboxes, data re-keyed into spreadsheets, approvals chased over Slack, payments made manually, reconciliation weeks later. Budgetly replaces all of it with one continuous workflow.
The old way
- Invoices arriving in multiple inboxes with no central record
- Data re-keyed from PDF to spreadsheet to accounting software
- Approvals chased over email, Slack, or passed around by hand
- Late payments because bills got lost or forgotten
- Separate logins for banking, accounting, and approval workflows
- Fraud risk from changed supplier bank details going unchecked
With Budgetly
- Forward a bill by email and it's captured automatically
- Supplier, amount, due date, GST extracted with 95%+ accuracy
- Approval workflows route to the right person by amount or category
- Pay via BPAY (45,000+ billers), PayID, or AUD bank transfer
- Every payment coded and synced to your accounting software
- Fraud flags on new suppliers and changed bank details
- APRA-regulated
- Data stays in Australia
- 2FA + SSL encryption
- AWS Sydney ISO 27001 infrastructure
- Live status
How Accounts Payable works
Forward a bill or reimbursement. Budgetly does the rest.
Drop an invoice onto the Budgetly dashboard, forward it by email, or sync from Gmail or Outlook. Budgetly extracts the supplier name, amount, due date, line items, and GST. No manual entry. No re-keying. Works the same way for supplier bills and the occasional employee reimbursement.
- Email forwarding from Gmail, Outlook, or any inbox
- PDF, scan, or photo, all formats supported
- Supplier, amount, due date, line items extracted
- GST extracted with 95%+ accuracy
- Multi-invoice batches split automatically
- Duplicate bill detection built in
Frankie Ward · Finance Manager
ApprovedRight person. Right context. In minutes, not days.
Every bill routes automatically based on amount, supplier, category, or department. Approvers see the bill, the supplier history, and the budget impact in one view. No context-switching. No email chains.
- Auto-route by amount, category, or department
- Multi-level approval chains supported
- Approver sees bill, history, and budget impact
- Approve from email, desktop, or mobile
- Escalation rules for stale approvals
- Full audit trail of every decision
BPAY, PayID, bank transfer, or Visa. All in one click.
Once approved, pay from your Budgetly balance via BPAY (45,000+ Australian billers including ATO, utilities, and rent), PayID, AUD bank transfer, or a virtual Visa card. Schedule payments in advance or pay immediately.
- BPAY to 45,000+ Australian billers
- PayID instant payments
- AUD bank transfer with BSB and account
- Virtual Visa card for online suppliers
- Schedule payments or pay immediately
- Bulk pay approved invoices in one batch
Every bill arrives in your ledger coded, receipted, reconciled
The moment a bill is paid, the transaction syncs to your accounting software with the supplier, amount, category, GST, receipt, and tracking code already coded. One-click sync or fully automated.
- Xero, MYOB, QuickBooks, NetSuite, and SAP
- Contact, tracking code, and jobs supported
- Receipt auto-attached to the transaction
- GST extracted and coded automatically
- Multi-entity sync for groups and franchises
- Full audit trail from bill received to ledger
Bunnings Warehouse
$247.80
Marcus Webb · Site ForemanNew suppliers and changed bank details flagged automatically
Bill payment fraud usually comes from changed supplier bank details or invoices from suppliers you don’t recognise. Budgetly flags both automatically before payment goes out.
- New supplier alerts before first payment
- Changed bank details flagged for review
- Duplicate invoice detection
- Unusual amount detection per supplier
- Approval gate on flagged bills
- Full audit log of every flag and decision
Frankie Ward · Finance ManagerReimbursement is an edge case, not a workflow.
If a staff member genuinely had to pay out of pocket, a weekend taxi, a market stall, a remote-location cash purchase, the reimbursement is handled the same way as any other bill. Same capture, same approval routing, same payment rails, same audit trail. The difference is that reimbursement is the exception, not the default. For everyday spend, pre-approved Visa debit cards eliminate reimbursements entirely.
- Handled like any other bill in the AP workflow
- Same approval routing as supplier bills
- Paid via bank transfer with full audit trail
- Coded to the right category automatically
- Synced to Xero, MYOB, QuickBooks
- Mileage and vehicle reimbursement supported via ATO rates
Marcus Webb
to bills@budgetly.io
Frankie Ward · Finance Manager
Routed · under $50Every bill makes the next approval faster
Accounts Payable sits in the Execute stage of the Budgetly loop, but every bill you process feeds every other stage. Approval patterns refine the routing. Supplier history refines the coding. Payment behaviour refines the forecast. The more bills you process, the smarter the system gets.
- Every approval teaches the routing engine
- Every supplier refines the coding accuracy
- Every payment refines the forecast
- Every fraud flag improves detection
- Every month-end gets faster
- Every year compounds your AP operations
What changes when AP is automated
Email-to-ledger replaces inbox triage, manual entry, approval chains, and spreadsheet reconciliation.
Accounts Payable without the email chains
Bills stop piling up in inboxes. Approvers stop being the bottleneck. Finance stops being the gatekeeper. The whole workflow becomes a system.
- Every bill captured the moment it arrives
- Approval status visible in real time
- Pay via BPAY, PayID, or bank transfer from one screen
- Audit trail from bill received to ledger entry
- Fraud flags before payments go out
- Bills arrive coded, categorised, and GST-extracted
- Receipts auto-matched to transactions
- One-click sync to Xero, MYOB, or QuickBooks
- Month-end reconciliation in hours, not days
- Multi-entity access across clients
Trusted by teams across Australia
Read verified reviews ➜Awards and recognition
Customer stories
Bawinanga Aboriginal Corporation save 38 hours per week with Budgetly
'We ultimately decided on Budgetly because with Budgetly we can issue virtual and physical cards.'
How Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly
Discover how Align Work Health saved 5 hours a week and eliminated missing expenses with Budgetly and Xero sync. Read …
How Hillsborough OOSH Saves Time and Achieves Greater Visibility with Budgetly
Budgetly's case study on how NSW childcare provider Hillsborough OOSH saved time and gained control with Budgetly's …
Sanctuary Family Solutions eliminated petty cash and manual admin with Budgetly
'With Budgetly, we now have saved time and solved a lot of the problems we had using petty cash!'
Frequently asked questions
How does bill capture work?
What payment methods are supported?
How do approval workflows work?
What accounting software does it sync with?
How does fraud detection work?
Can I pay multiple bills at once?
Does Budgetly handle employee reimbursements?
How quickly can we get started?
Payment security at every step, audited end-to-end
From bill received to money paid, every action is controlled, logged, and reversible before the payment goes out.
Dual approval on payments
Set approval rules by amount, supplier, or category. No single person can create, approve, and pay a bill alone. Every step is separated.
Regulated banking partners
Payments run through regulated banking partners on the Australian payments network. Budgetly is APRA-regulated for its own financial activities.
Full audit trail
Every bill, approval, payment, and sync is timestamped and attributable. Export an audit pack for any period in one click.
Fraud flags before payment
Budgetly flags new suppliers, changed bank details, duplicate invoices, and unusual amounts before the money leaves. Flagged bills require additional approval.
2FA on sensitive actions
Two-factor authentication is required to change bank details, approve large payments, or modify approval rules. SSL encryption on every session.
Data stays in Australia
All supplier, invoice, and payment data is hosted in AWS Sydney, an ISO 27001, 27017, and 27018 certified infrastructure. Nothing leaves the country.
Replace your AP process this week.
Forward your first bill in 5 minutes. Pay via BPAY in 30 seconds. Sync to accounting in 1 click.