Routable vs Veem (2026): which should you pick?
As of Nov 13, 2026, Veem grades higher than Routable: 2.2 against 1.6 out of 4.0.
Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA
Veem grades higher on value for money and the free plan. They get the same grade on features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Veem
Cross-border and domestic business payments with a wallet
Which one is for you
Pick Routable if
- Fits if you pay hundreds of vendors or contractors each month and need tax forms collected
- Works for finance teams that want payouts to flow back into NetSuite, QuickBooks or Xero
Look elsewhere if
- Skip it if you're a small business, as the plan starts at $1,250 a month
- Pricey if you count the per-transaction fees, which vary by method and speed and aren't listed
- Not for you if you want it running in a day: setup averages 4 weeks
- Watch out: vendors beyond the included 1,000 aren't priced on the page
- Watch out: PO matching, 1099 / 1042-S filing, OFAC monitoring and SSO are add-ons
Pick Veem if
- Fits if you pay overseas suppliers or contractors by wire, check or card
- Works for businesses that want a virtual card and a multi-currency wallet
Look elsewhere if
- Tight if you stay on Basic: US and Canada bank transfers cost $1 each
- Pricey if you pay by card, at 3.5% with a $3.50 minimum on business US credit cards
- Watch out: mass pay, user roles, reminders and accounting integrations need Premium
- Watch out: Veem's main site showed a bot check, so these prices come from its help center pages dated 2025
How we grade them
| 1.6GPARoutableWeak | 2.2GPAVeemFair | |
|---|---|---|
| Value for money | D$1,250 a month on yearly billing ($1,575 monthly) for up to 1,000 vendors. Expense tools' dearest tenth starts at $60, though this is a payables platform, not an expense app. | CPremium is $24.99 a month ($34.99 CAD). That's between the expense category's middle at $12 and its dearer quarter at $29.90, and each payment carries its own fee on top. |
| Free plan and trial | FNo free plan and no trial, and the page shows no way to try it before paying $1,250 a month. | CBasic is free, but US and Canada bank transfers cost $1 each and card payments cost 3.5%. New users get Premium free for 30 days. |
| Features | CMass payouts, international payments, vendor onboarding and tax forms, approvals and accounting sync. PO matching, 1099 and 1042-S filing, OFAC monitoring and SSO are add-ons. | CInternational payments, a virtual bank account and wallet, a virtual card, invoicing and recurring payments. Mass pay, user roles and accounting integrations need Premium. |
| Ease of use | CNo store rating on record. The vendor says implementation and team training average 4 weeks. | CNo store rating on record. You set up a business account and add payees. |
| Platforms and integrations | BWeb with an API for payouts and connections to NetSuite, QuickBooks and Xero. No phone or desktop app listed. | BWeb, with QuickBooks, NetSuite, Xero and Zapier. No phone or desktop app listed. |
| Best for | paying many vendors and contractors from one place | sending business payments across borders |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Routable and Veem. How we grade
Price against what you get
Routable starts at $1,250 a month and scores 2.3 out of 4 on features, ease of use and platforms. Veem starts at $24.99 a month and scores 2.3.
They score the same, and Veem starts $1,225.01 a month lower. Of the other spend and bill pay tools on the chart, 16 score higher than Routable for less, and 14 score higher than Veem for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Routable also covers partner payouts.
- Veem also covers invoicing and company cards.
At a glance
| Routable | Veem | |
|---|---|---|
| Pricing | Paid | Free plan |
| Starts at | $1,250 per month, billed annually ($1,575 billed monthly) | $24.99 per month |
| Free plan | None | Basic plan: free platform fee, but domestic bank transfers cost $1 each and some features are Premium only. |
| Free trial | None listed | New users get Premium free for 30 days (users who joined on or after Jan 1, 2025). |
| Web | ||
| Made by | Routable | Veem |
| Price read from | routable.com | help.veem.com |
| Checked | Nov 13, 2026 | Nov 13, 2026 |
Worth knowing
Routable
- On top of the subscription, Routable charges a per-transaction fee that varies by payment method and speed, and the pricing page does not list the amounts.
- Vendors beyond the included 1,000 on Growth and 3,000 on Scale are not priced on the page.
- Several features are add-ons rather than included, such as PO matching, form 1099 / 1042-S filing, OFAC monitoring, SSO/SAML and dedicated Slack support.
- The vendor says implementation and team training average 4 weeks.
Veem
- Veem's main site returned a bot check when read, so prices and fees come from its help center pages, which date from 2025 updates.
- Per-payment fees apply: business US credit card payments cost 3.5% (minimum $3.50), and same-day bank transfers cost 0.5%.
- Basic-plan bank transfers cost $1 each, and Basic users paying by card pay 3.5%.
- Several features, including mass pay, user roles and accounting integrations, need Premium.
Key features
Routable
- Mass payouts
- Send payments one at a time, by CSV upload or through the payouts API, with ACH, check and instant payments over FedNow and RTP.
- International payments
- Pays to 220+ countries and territories in 140+ currencies, in 1-3 business days according to the vendor.
- Vendor onboarding and tax forms
- Vendors enter their own bank and tax details through branded onboarding. W-9 and W-8 collection and 1099 or 1042-S filing are available, some as add-ons.
- Accounts payable automation
- Invoice OCR and AI bill coding, with PO matching and predictive coding on higher tiers or as add-ons.
- Approval workflows
- Standard approval workflows are included in the Growth plan, and advanced workflows come with Scale.
- Accounting sync
- Connects to accounting and ERP systems including NetSuite, QuickBooks and Xero.
Veem
- International payments
- Send by international wire in local currency, by bank transfer, by check in the US, or by card, in 1 to 6 business days depending on the country.
- Virtual bank account and wallet
- A local bank account in your name and a wallet that holds funds in up to 15 currencies, with FDIC insurance as described in the help center.
- Virtual card
- A virtual card for spending funds, which the help center says is accepted by over 150 million merchants.
- Invoicing and recurring payments
- Request payments, create invoices and schedule recurring payments and invoices, with payment tracking and reports.
- Accounting integrations
- Premium syncs and reconciles payments with bookkeeping partners and supports Zapier, QuickBooks, NetSuite and Xero.
Plans
Routable
Growth$1,250
per month, billed annually ($1,575 billed monthly)
Unlimited user seats, accounting and ERP integrations, domestic, international and instant payments, API access. Up to 1,000 vendors included.
ScaleCustom
Everything in Growth plus invoice automation, trainable OCR, PO matching, predictive coding and advanced approval workflows. Up to 3,000 vendors included.
EnterpriseCustom
Everything in Scale, for organizations operating at scale. Quoted through sales.
Veem
Basic$0
Pay and get paid by international wire, check, card and wallet, with recurring payments and invoices. No free bank transfers in the US and Canada.
Premium$24.99
per month
Adds free ACH/EFT bank transfers in the US and Canada, mass pay, user roles, payment reminders and accounting integrations. $34.99 CAD for Canadian clients.
Ways to pay less
Routable
- Annual discount
Save 20% with annual billing
The pricing page shows Growth at $1,250 a month when billed annually, against $1,575 a month billed monthly.
Veem
No public discounts listed.
Common questions
Which is cheaper, Routable or Veem?
As of Nov 13, 2026, Veem is cheaper to start with: $24.99 a month, against $1,250 a month for Routable. Routable starts at $1,250 per month, billed annually ($1,575 billed monthly), and Veem starts at $24.99 per month.
Which has a free plan, Routable or Veem?
As of Nov 13, 2026, only Veem has a free plan. Routable does not.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.