The verdict 72
Routable AF score 72 / 100 · Leads on 3 of 8 Choose it if
A US marketplace or gig platform paying thousands of sellers, drivers or contractors a month A NetSuite or Sage Intacct finance team paying many domestic and international vendors that wants instant, ACH A company whose payees value speed 73
Trolley AF score 73 / 100 · Leads on 5 of 8 Higher score, +1 Choose it if
A marketplace, creator or music platform paying thousands of contractors, artists or sellers across many countries that needs W-8 A product team that wants to embed payee onboarding A finance team that wants to model cost from a published module price list and fee table before a sales call, and to pass or split payout fees with recipients Scores from our independent reviews of both tools. Prices verified 12 Nov 2026.
At a glance Fact Routable Trolley Best fit US platforms paying many payees Platforms paying global payees Price From $1,250/mo (published) $2,399/yr Pay + fees (published) Pricing model Published entry tier; quote upper tiers; per-payment fees Published yearly modules plus per-payment fees Implementation Medium Medium Time to go live 1 to 4 weeks (vendor) Days to 6 weeks (vendor) Agent readiness ✓ 3 / 5 2 / 5 AF score 72 / 100 ✓ 73 / 100
✓ marks a clear edge. Prices are as each vendor publishes them, verified 12 Nov 2026.
AF scores by dimension Routable Trolley
Routable leads on
AI and agent readiness
+12 Payments & money movement
+6 Each dimension is scored 0 to 100 in the full reviews. The chip shows the leader's margin.
What each costs
Routable From $1,250/mo (published)
Published entry tier; quote upper tiers; per-payment fees
Trolley $2,399/yr Pay + fees (published)
Published yearly modules plus per-payment fees
Compare plans on their own sites Neither vendor pays us. Both buttons go to the vendor's own site.
Where each falls short Routable is a weak fit for Payers outside the US: the API docs describe international payouts as payments made from companies in the United States Teams on Business Central, Dynamics or SAP, or teams AP teams that want virtual card payments and card rebates Trolley is a weak fit for AP teams that need PO matching, GL coding or multi-level invoice approval routing on vendor bills Companies on Sage Intacct, SAP or more than one ERP instance Payers without an office in the US, Canada, the UK, the EEA
Routable vs Trolley: common questions Which scores higher, Routable or Trolley? Trolley, 73 to 72 on our 100-point rubric.
How much do Routable and Trolley cost? Routable: From $1,250/mo (published). Trolley: $2,399/yr Pay + fees (published).
How long does each take to go live? Routable: 1 to 4 weeks (vendor). Trolley: Days to 6 weeks (vendor).
Which works better with AI agents? Routable rates 3 and Trolley rates 2 out of 5 on our agent-readiness test.
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