Stampli
Capture vendor invoices, keep approvals on the bill, then sync to QuickBooks Online or your ERP.
Best for
Finance teams with high invoice volume and lots of approvers who want the conversation on the invoice and the books to stay in QuickBooks or the ERP.
Not ideal if
A 1–50 person US shop with a short domestic vendor list. Melio or BILL will be cheaper and faster to stand up, and you will still close in QuickBooks either way.
Standout
Every comment, document, and approval lives on the invoice, then the approved bill posts back to the ERP you already run.
About Stampli
Stampli is the accounts payable and procure-to-pay layer, not the ledger. Invoices land by email, upload, or the vendor portal. Stampli captures the lines, suggests GL coding from your ERP, can match purchase orders two or three ways, and keeps every comment, document, and approval on the invoice. You pay by ACH, check, virtual card, or international rails through Direct Pay, or you keep your own bank. Bills and payments sync back to QuickBooks Online, QuickBooks Desktop, NetSuite, Sage Intacct, and other supported ERPs. You still close those books.
It does not replace QuickBooks Online or Xero. BILL is the published-price US AP and AR seat product with 1099 e-file in the same app. Melio is cheaper US bill pay with a free ACH path. Ramp is card-first spend, not an invoice-collaboration inbox. Vic.ai is a high-volume coding and posting layer. Kick replaces the ledger instead of sitting next to it. Stampli's job is capture, code, talk on the invoice, approve, optionally pay, then write the trail back to the file you already have.
People who stick have volume and lots of approvers: controllers at multi-entity or PO-heavy shops, often on NetSuite or QuickBooks, who were tired of invoice questions living in email. Accountants on public forums keep it for the invoice workspace and a short implementation. They also say the AI needs weeks of corrections before coding is trustworthy.
What people who used it say
What they tend to like
The invoice is the inbox
Controllers keep it because questions, reroutes, and documents live on the bill instead of in email.
Implementation in weeks, not a six-month ERP project
r/Accounting and r/Netsuite users describe a few-week standup and a relatively painless NetSuite connector compared with a prior BILL setup.
PO matching when cards are not the job
On r/Netsuite, Stampli is named when the work is 3-way match, inventory receipts, and one-to-many PO/invoice links. Ramp is the card tool in those threads.
What they hesitate about
The AI is a training period, not day-one savings
An r/Accounting reply called Stampli good on cost/benefit versus other AP vendors, then said the model needs several samples and that cost savings is a stretch for most of these products.
Quote-led price for a mid-market inbox
Official pricing publishes no dollars. A 1–50 person shop with a short vendor list will almost always pay less on Melio or BILL.
Mobile approve flow can get in the way
A Play Store review describes the Android approve control sitting under the back button and needing more than one tap.
How it hits your books
- Replaces your ledger
- No
- QuickBooks Online
- Yes
- Xero
- No
- Multi-entity
- Yes
- Inventory
- Partial
- 1099s
- Partial
- Payroll
- No
You capture, approve, and optionally pay in Stampli, then bills and payments sync to QuickBooks Online, QuickBooks Desktop, or the ERP. Close is still reconcile and exception cleanup in that ledger. Official QBO/QBD cadence: lists import every 2 hours; invoice and payment export every 5 minutes; a real-time kick is available.
The CPA still opens QuickBooks Online, QuickBooks Desktop, or the ERP. Stampli holds the invoice conversation, W-9s, and payment history. 1099 flags and payment totals can sync; the ERP files the forms. Stampli does not e-file 1099s.
Images
Features
Capture invoices and talk on the bill
Invoices arrive by email, upload, or the vendor portal. Every comment, document, and status stays on that invoice so AP, approvers, and vendors are not hunting through email. Official: you can invite a vendor as an external contact with a limited view.
Code the bill, then match the PO
Stampli AI suggests GL accounts and ERP dimensions, flags duplicates, and predicts approvers. Semi-automated 2- and 3-way line matching is on the core AP quote. Full Cognitive AI matching is listed separately. Mismatches stay on review instead of posting.
Route approvals by how you already work
Set rules by entity, amount, department, or vendor, or let the model suggest the next approver. Approvers act in the web app, email, or the iOS and Android app. Official pricing: unlimited users, no per-approver seat fee.
Sync bills and payments to the ledger
QuickBooks Online is a documented API connector (Intuit Gold App Partner). QuickBooks Desktop uses Stampli Bridge. Lists (vendors, GLs, open POs, classes) sync in; authorized bills and payment info sync out. Official QBO cadence: import every 2 hours, export every 5 minutes, with a real-time kick available. The ERP stays the system of record.
Pay from the approved invoice, or keep your bank
Direct Pay can send ACH, paper check, virtual card, or international ACH and wire. Official: you are not required to use Stampli's rails. The pricing page lists domestic check and ACH, global ACH and wire, and virtual cards as free for Stampli customers. Payment data syncs back to the ERP.
Collect W-9s; file 1099s from the ERP
The vendor portal collects W-9s, tax IDs, and banking details, and can block a pay when a required document is missing. Stampli tracks 1099 vendor flags and payment totals. Official: your ERP issues the 1099s. Stampli does not e-file them.
Pricing
There is no published dollar price. The official pricing page is a quote form. It advertises unlimited users, entities, and vendors, a dedicated CSM, and included onboarding. Semi-automated 2- and 3-way matching is in the core AP quote; full Cognitive AI matching is extra. Domestic check and ACH, global ACH and wire, and virtual cards are listed as free for Stampli customers. Procurement, Stampli Card, and Advanced Vendor Management sit in Beyond AP and are quoted. A five-person / ~500-transaction shop that only needs ACH bill pay will almost always spend less on Melio or BILL. There is no free plan.
Accounts Payable
Invoice capture, coding, 2- and 3-way matching, approvals, and unlimited users. Sales quotes from invoice volume. No published dollar floor.
- Unlimited users, entities or locations, and vendors
- Invoice capture, coding, and approval routing
- Semi-automated 2- and 3-way PO matching included; full Cognitive AI matching quoted separately
- Dedicated customer success manager, onboarding, and team training listed as included
- Domestic check and ACH, global ACH and wire, and virtual cards listed as free for Stampli customers
- No free plan and no self-serve checkout
Beyond Accounts Payable
Procurement, Stampli Card, and Advanced Vendor Management layered on the AP quote. Direct Pay is listed in this group on the pricing page even though payment methods are also listed as free for customers.
- Stampli Procurement (requests, POs, budget controls)
- Stampli Direct Pay
- Stampli Card (AP Cards and Expense Cards; iOS and Android app)
- Advanced Vendor Management (portal, W-9s, document compliance)
Integrations
Platforms
Audience
Pick something else instead of Stampli
BILL
Pick BILL instead if you are a US QuickBooks Online or Xero shop that wants published per-user AP/AR pricing, live two-way sync on Team, and 1099 e-file in the same product.
Melio
Pick Melio instead if you want cheaper US bill pay: a free Go plan with a small ACH allowance, or Core when you need unlimited QuickBooks Online or Xero sync, and you do not need PO matching or an invoice chat room.
Ramp
Pick Ramp instead if the problem is employee cards and spend controls, not vendor invoices, 3-way match, and approval threads on the bill.