Stampli Review
Stampli is accounts payable automation that keeps a conversation, an audit trail and AI-suggested coding on every invoice, built for US mid-market finance teams running NetSuite, Sage Intacct, Business Central, SAP or another of the 70+ ERPs it supports.
Independently scored, one dimension at a time. Every dimension is sourced, and we say whether a claim is published, reported, or estimated.
Stampli lists 70+ ERPs, with API connectors for NetSuite (Built for NetSuite), Sage Intacct (Sage Recommended Solution), QuickBooks Online, Business Central and Oracle Fusion, and bridges for SAP ECC, S/4HANA and Sage 100 (integrations pages, checked 26 September 2026). It syncs dimensions, custom fields, POs and receipts; QuickBooks Online imports every 2 hours and exports bills every 5 minutes. No Xero connector is listed, and many long-tail ERPs are file-based.
A dedicated customer success manager, onboarding and on-demand training are included on the pricing page, and support staff are hired from AP backgrounds (customer support page, checked 26 September 2026). Stampli's support page claims an average response under 60 seconds, 9AM to 8PM Eastern, but its pricing page says under 90 seconds and its implementation page under 2 minutes; all three figures are vendor-claimed. A G2 support score of 96 percent (December 2025, as quoted by Stampli) and a 4.7 Capterra customer service rating back it up; there is no 24/7 live line.
Stampli says simple setups go live in days and complex ERPs in weeks, using prebuilt in-house connectors and no third-party consultants (implementation page, checked 26 September 2026). A G2 ease of setup score of 94 percent (December 2025, as quoted by Stampli) supports the claim. On-premises ERPs need a bridge application installed and file-based ERPs need template setup, which adds IT time.
Stampli's audit trail logs every approval, message and field change with before and after values (invoice audit trails page, checked 26 September 2026). Line-level 2 and 3-way matching, separate payment approvals for segregation of duties, vendor document expiry gating, and SOC 1, 2 and 3 plus PCI DSS are published on its product and security pages. It loses points because 1099 filing stays in the ERP (Stampli blog) and no e-invoicing mandate support is published.
The pricing page lists unlimited entities, invoices and vendors, and the about page cites 1,800+ customers, 2,800+ entities and 400k+ invoices a week (checked 26 September 2026). International payments reach 100+ countries. The ceiling shows outside the US: no e-invoicing network support is published, international wires take 4 to 5 business days, and Stampli's November 2025 release describes its base as mid-market and SMB.
Direct Pay covers ACH, check, virtual card and international payments to 100+ countries with target FX rates, and pays from the customer's own account without a pre-funded settlement account (payments pages, checked 26 September 2026). Virtual card payments earn up to 1 percent cashback with no per-transaction fee from Stampli. Rail fees, FX markup and the card issuer are not published, and international wires take 4 to 5 business days.
In-product AI is mature: Stampli reports 87 percent field suggestion coverage and 92 percent accuracy for April 2026 (vendor-claimed, ai-information page). The external surface is empty: no public API, no developer portal and no first-party or community MCP server (MCP registry and GitHub checked 26 September 2026; Supergood and API Evangelist report the same in September 2026).
Stampli's pricing page shows inclusions but no prices, and the Direct Pay fee schedule is not public (checked 26 September 2026). Public benchmarks are thin: Vendr holds 2 Stampli contracts and marks its data quality as none, and ERP Research's $250 to $1,500 a month range cites no sample. The free items are published: AI PO matching, the Stampli Card and fee-free virtual card payments.
Deep ERP fit and support for mid-market AP, with no public price and no public API for agents.
Written by the Audit Friendly research team. No vendor edits, no sponsored placement.
You are buying an AP workspace that sits on top of the ERP and mirrors its fields, entities and approval logic. Each invoice gets its own thread, so approvers ask questions where the invoice lives. Stampli AI, long marketed as Billy, suggests GL and dimension coding, approvers and PO matches, and a person confirms before anything posts. The pricing page lists unlimited invoice capture, entities and vendors, plus a dedicated customer success manager, onboarding and training.
The catch sits outside the product. There is no public API, no developer portal and no MCP server (checked 26 September 2026), so an AI agent or an in-house script has no self-serve way to read or act on Stampli data; Supergood reports that any API access runs through Stampli's integrations team. Price is quote only, and Direct Pay fees are not published. Xero is not on the 70+ ERP list, and many listed ERPs connect by file rather than live sync. Customer data is hosted on AWS in Ireland, per Stampli's security page.
Before signing, get in writing: the subscription price by invoice volume band and the overage rule, the Direct Pay fee for each rail and the FX markup, and a renewal cap. Confirm whether your ERP gets an API, bridge or file integration, and its sync cadence. The standard terms have no data-export clause, so add one that covers invoice images, threads and audit history at exit.
- A 200 to 5,000 person US company on NetSuite, Sage Intacct, Business Central or SAP that wants AP to mirror ERP fields without rework.
- Finance teams with many non-finance approvers who need to ask and answer questions on the invoice instead of in email.
- Multi-entity groups that add entities often and want them in one account with per-entity coding, approvals and bank accounts.
- Xero users: Stampli lists no Xero integration among its 70+ supported ERPs.
- Teams planning to drive AP with an AI agent, RPA bot or custom code: there is no public API or MCP server.
- Companies paying thousands of global contractors or needing W-8 tax compliance built in; Tipalti is built for that job.
The jobs a finance team actually hires Stampli for
Jobs, mapped to how finance teams actually buy.
Code multi-line invoices to ERP dimensions
Stampli AI suggests GL accounts, departments and custom dimensions line by line from past coding, and a person confirms before posting. Stampli says those suggestions were right 92 percent of the time in April 2026 (vendor-claimed). A construction controller quoted by Stampli said the AI fills in about 90 percent of the information.
Match invoices to POs and receipts at line level
Stampli detects PO-backed invoices without rules, matches header and line data 2 and 3-way, and can skip approval when a match falls inside tolerance. The feature is included in the subscription at no extra cost, per Stampli's FAQ. The Superior Masonry figure comes from a story Stampli cites from Engineering News-Record.
Run AP for many entities in one account
Each entity can carry its own coding, approval workflow, vendor list and bank account, and Stampli can assign invoices to the right entity automatically. Consolidated search and reporting span all entities. Stampli features a customer, LTC Ally, that gained the capacity to add 30 entities a month.
Keep approver questions on the invoice
Each invoice carries a thread where AP, approvers and vendors ask and answer questions, and every message lands in the audit trail. Stampli says approvers rarely need training because the invoice, its context and the next action sit on one screen. This is the product's original design and its clearest difference from ERP-native AP.
Pay vendors from the approved invoice
Direct Pay sends ACH, check, virtual card and international payments with a separate payment approval step and syncs results to the ERP. Each ACH shows as its own bank line rather than a batch, per Stampli's domestic payments page. International wires typically take 4 to 5 business days.
Give vendors self-service status
Vendors check invoice status and expected pay dates, upload documents and message AP through the portal in Advanced Vendor Management, an add-on. Banking changes route through review before they take effect. The Modigent figure is from Stampli's own customer story.
Watch the same task in each tool
Forget the 40-row feature grid. Pick a finance workflow and see how this tool and its closest peers actually do it, with our verdict on who wins for whom.
Compare on what matters
What it actually costs
Here's what it really costs: published rates where a vendor lists them, aggregated quote data where they don't, plus a path to your own number.
Unlimited invoice capture, entities and vendors, semi-automated 2 and 3-way matching, 12 pre-built reports and dashboards. A dedicated customer success manager, onboarding and training are included.
Request intake, PO creation in Stampli or export to the ERP, budget controls, service tickets and preferred items; listed beyond the AP core on the pricing page.
Vendor onboarding forms, vendor portal, messaging and document compliance tracking, sold as an add-on per Stampli's invoice capture page.
Domestic check and ACH, global ACH and wire. Terms describe pay-as-you-go per payment or monthly bundles whose unused payments expire.
Single-use virtual cards paid through Direct Pay, with up to 1 percent cashback on eligible purchases.
AP Cards and Expense Cards, virtual or physical, with the mobile app; the issuing bank is not named publicly.
Included in the subscription at no additional cost, per Stampli's PO matching FAQ.
What it actually takes to go live
Stampli builds and runs its ERP connectors itself and publishes no developer API, sandbox or MCP server (checked 26 September 2026). API Evangelist and Supergood, both third parties, reported the same in September 2026. If the roadmap includes AI agents, RPA or a warehouse feed from AP, plan around ERP data and report exports. Ask Stampli in writing whether API access exists for customers under contract.
Stampli's Direct Pay terms describe per-payment pricing for ACH and check or monthly bundles, and unused bundle payments expire at the end of each period. Stampli can raise these fees with 14 days notice, per the terms last updated 13 March 2026. The FX markup on international payments is not published. Get a fee table for every rail and a cap on increases before moving payment runs.
Stampli's 70+ ERP list, checked 26 September 2026, does not include Xero. Workday, Epicor, Infor, Yardi, Deltek Costpoint, Sage 300 and others are listed as file integrations, which exchange templated files instead of syncing live. API connectors cover NetSuite, Sage Intacct, QuickBooks Online, Business Central and Oracle Fusion. Ask for the sync cadence for your ERP in writing; for QuickBooks Online it is a 2-hour import and a 5-minute export.
Stampli's Master Subscription Agreement (terms page, checked 26 September 2026) says Stampli may destroy customer data on request after termination, but promises no export format or window. The agreement auto-renews for the same term unless notice is given 30 days before the end, and accrued fees fall due if the customer terminates. Invoice images, conversations and approval history are audit evidence, so negotiate an export of all of it before signing.
Stampli's security policy page, checked 26 September 2026, says its databases sit on AWS in Ireland across availability zones, with daily backups. That suits most US companies, but public bodies, healthcare groups and contractors with US data residency rules should confirm it with counsel. Stampli has offered HIPAA Business Associate Agreements since 16 September 2025 and publishes a SOC 3 report.
Stampli's own blog says it does not generate 1099s; it collects W-9s, tracks 1099 flags and passes them to the ERP. Stampli publishes no support for e-invoicing networks such as PEPPOL, and says structured feeds enter only through supported system paths. Reimbursements are prepared for payroll rather than paid out by Stampli. Teams with EU entities or heavy 1099 volume need another tool for those steps.
Scored on what an outside agent can actually reach: the documented API, how it authenticates, and whether the vendor ships an MCP server.
Inside the product, Stampli AI (marketed for years as Billy) suggests GL and dimension coding line by line, predicts approvers, matches invoices to POs and receipts, flags duplicates and checks vendor email integrity. Stampli says that in April 2026 it evaluated 34.3 million invoice fields across 2,248 customer environments and suggested values for 29.6 million, 87 percent coverage, and that suggestions were right 92 percent of the time. These are vendor-claimed figures with no independent audit. Every suggestion needs human review before it posts to the ERP, and Stampli openly rejects the word touchless.
Note the framing gap: the site navigation says Stampli AI does 89 percent of finance work, while Stampli's own AI information page says its proof point measures suggestion coverage and should not be read as work done. Stampli Deep Finance, announced 31 March 2026, builds executive analyses from data already in Stampli; the vendor says it is available to all customers on request.
The external agent surface does not exist. On 26 September 2026 the official MCP registry returned no Stampli server, the Stampli GitHub organization had no public repositories, stampli.com/mcp returned 404 and developer.stampli.com had no DNS record. Integrations run over API, bridge or file connectors that Stampli builds and operates itself; API Evangelist and Supergood, both third parties, report no public developer API as of September 2026. Scope and turnkey status therefore do not apply.
The llms.txt file and AI information page Stampli publishes are guidance for chat assistants describing the company, not data access. For agent work today, the reachable surface is the ERP, where Stampli posts approved bills and payment status, plus report exports.
Process a vendor invoice
Who wins for whom: Approver-heavy teams that need line-level 2 and 3-way matching and a field-level audit trail: Stampli. Small US teams that want the W-9 Agent on every plan and 1099 e-filing to the IRS and 50 states: BILL. Payers collecting W-8 forms, 1042-S data or VAT IDs abroad: Tipalti.
Stampli
Line-level matching, logged approvals. Stampli matches invoices to POs and receipts 2 and 3-way at line level, logs every approval, message and field change with before and after values, and holds SOC 1, 2 and 3 plus PCI DSS.
Where it loses: 1099 filing stays in the ERP and Stampli publishes no e-invoicing support such as PEPPOL, so teams with EU entities or heavy 1099 volume need another tool for those steps.
- Compliance depth: 82/100
- Time to live: Days to weeks (vendor)
Source: AF score rationale: Compliance depth 82; Stampli comparison row and watch-outs.
Watch: Set your team free from line-level PO matching 3:34 · Official demo · Stampli on YouTube (official)
BILL
Approvals, W-9 Agent, 1099 e-file. Every BILL plan gets approval workflows and the W-9 Agent, the audit trail is time-stamped and cannot be altered, 1099s e-file to the IRS and 50 states, and SOC 1 and SOC 2 Type II audits run annually.
Where it loses: Dual control is Enterprise only, ERP PO sync with 2 and 3-way matching sits on the quote-only Enterprise plan, and none of the pages reviewed mention e-invoicing mandates outside the US.
- Compliance depth: 80/100
- Time to live: Days to 3 months (reported)
Source: AF score rationale: Compliance depth 80; BILL pricing tiers.
Watch: Accounts Payable and Bill Pay using Bill - Is it better than QBO!? 22:55 · Independent walkthrough · Financial Tech Lab by Clara CFO Group on YouTube
Tipalti
Tax forms and screening built in. Tipalti captures W-9 and W-8 forms with TIN matching, prepares 1099 and 1042-S reports, screens payees against OFAC and Do Not Pay before each payment, and matches invoices 2 and 3-way at header and line level.
Where it loses: Per-invoice fees are quote only above the $99 monthly entry price, and the services agreement promises a data download only during the term, while supplier tax forms and audit trails live in Tipalti.
- Compliance depth: 90/100
- Time to live: 2 to 3 months (reported)
Source: AF score rationale: Compliance depth 90; Tipalti pricing tiers and watch-outs.
Watch: Accounts Payable AI: Automate Invoices with Tipalti AI 1:37 · Official short · Tipalti on YouTube (official)
Pay a vendor
Who wins for whom: Teams that want to pay from their own bank account without a pre-funded balance: Stampli. Small US teams that want each domestic per-payment fee posted before signing: BILL. Payers with suppliers in 200+ countries who want the vendor to hold the money transmitter licenses: Tipalti.
Stampli
Direct Pay from your own account. Direct Pay sends ACH, check, virtual card and international payments to 100+ countries with target FX rates from the customer's own account, behind a separate payment approval, and virtual cards earn up to 1 percent cashback.
Where it loses: Direct Pay fees sit in an order form with no published FX markup, Stampli can raise them on 14 days notice, and international wires take 4 to 5 business days.
- Payments & money movement: 72/100
- Time to live: Days to weeks (vendor)
Source: AF score rationale: Payments & money movement 72; Stampli pricing tiers and watch-outs.
Watch: Stampli's AP Automation 2:50 · Official demo · Stampli on YouTube (official)
BILL
Posted per-payment fee table. BILL publishes ACH at $0.59, check at $1.99, free virtual card, card-funded payments at 2.9 percent and instant payments at 1 percent, runs processing in-house with Positive Pay on checks, and pays vendors in 130+ countries.
Where it loses: The FX margin on free local-currency wires is not disclosed, no payer rebate on virtual card payments is published, and API payments need an SMS-verified session.
- Payments & money movement: 88/100
- Time to live: Days to 3 months (reported)
Source: AF score rationale: Payments & money movement 88; BILL watch-outs.
Watch: How to Automate Domestic AP Payments with BILL V3 API 14:24 · Official demo · BILL on YouTube (official)
Tipalti
Licensed global payouts, 200+ countries. Tipalti moves money itself by ACH, global ACH, SEPA, wire, check, PayPal and cashback virtual cards to 200+ countries, holding and converting 25 currencies under US and Canadian money transmitter and UK and EU e-money licenses.
Where it loses: Per-payment and FX conversion fees are quote only, the card cashback rate is not published, and Tipalti can draw its fees from the account that funds payee payments.
- Payments & money movement: 93/100
- Time to live: 2 to 3 months (reported)
Source: AF score rationale: Payments & money movement 93; Tipalti watch-outs.
Watch: Whats New in Tipalti Accounts Payable | December 2025 1:46 · Official demo · Tipalti on YouTube (official)
Stampli, kept current
Stampli announced Leader status in G2's Summer 2026 grids, citing a Procure-to-Pay satisfaction score of 90 against a category average of 52. Stampli says mid-market customers wrote 70 percent of its Procure-to-Pay reviews.
Stampli announced Deep Finance, which builds executive analyses of spend, vendor concentration and contract-driven cost increases from invoice data already in Stampli. The vendor says no separate tool or data export is needed.
Stampli said customers uploaded a record 2.06 million invoices in October 2025. It describes these as vendor invoices needing coding, matching and approval, not expense receipts.
Stampli reported that organizations in more than 20 industries adopted Stampli Procurement after its early 2025 launch. The module adds requests, budget checks and PO creation in Stampli or the ERP.
Stampli announced HIPAA compliance and began offering BAAs to covered entities. Invoices containing protected health information can run through the standard workflow.
Stampli FAQ
Stampli publishes no price, so the only reliable number is a written quote. Its pricing page, checked 26 September 2026, lists what the core AP subscription includes: unlimited invoice capture, entities and vendors, PO matching, reports, a dedicated customer success manager, onboarding and training.
Public figures are weak. ERP Research reports $250 to $1,500 a month with no sample, Spendflo says pricing starts at $200 a month, and Vendr's embedded data covers only 2 contracts with a median near $19,134 a year. Expect the quote to scale with monthly invoice volume and with modules such as Procurement, Direct Pay and Advanced Vendor Management.
Stampli's Master Subscription Agreement (terms page, checked 26 September 2026) renews automatically for periods equal to the initial term unless either side gives notice 30 days before the end. Either party may also end the agreement with 30 days written notice, but if the customer terminates, accrued fees become due, and service fees are not refundable.
The terms include no data-export commitment; they say Stampli may destroy customer data on request. Posted bills and payments live in the ERP, but invoice images, threads and approval history live in Stampli. Negotiate an export of all of it, in a named format, within a fixed window after termination.
Stampli says simple setups go live in days and complex ERPs in weeks, and that no third-party consultants are needed (implementation page, checked 26 September 2026). Its customer success team configures the connector, mirrors ERP fields and trains users; training is included and unlimited.
The customer prepares vendor, GL and workflow data and attends onboarding sessions. IT time is needed for on-premises ERPs, where a bridge application is installed, and for file-based ERPs. One controller quoted by Stampli said the integration took under 48 hours.
Not today. On 26 September 2026 there was no public API, developer portal or MCP server for Stampli, first-party or community, and third-party API trackers report the same. An agent cannot read invoices, code them, approve them or release payments.
An agent can work on the ERP side, where Stampli posts approved bills and payment status, and can analyze reports exported from Stampli. Inside the product, Stampli AI already suggests coding, approvers and PO matches, and Deep Finance produces executive analyses.
Stampli alternatives
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