Stampli vs. BILL: Choosing the right AP solution

Stampli and BILL are two common names known to provide accounts payable automation software. Both aim to simplify invoice approvals and streamline payments—but they differ in approach, focus, and fit. As finance teams evaluate tools to reduce manual work and gain better visibility into cash flow, it’s worth comparing how these platforms stack up.

Let’s break down the core capabilities, pricings, and G2 ratings of each.

An overview of Stampli and Bill

Before diving into features or limitations, it helps to understand what each platform is built for—and which types of teams they tend to support.

What is Stampli?

Stampli is a cloud-based accounts payable platform founded in 2015. It’s built for small to mid-sized businesses, with a focus on companies that rely heavily on collaboration between departments during invoice approvals.

Stampli provides teams with centralized invoice-related communication, automates data capture, and route approvals. Its core capabilities also include purchase order matching and integrations with ERP systems.

What is BILL?

BILL (formerly Bill.com) is a cloud-based financial operations platform launched in 2006. It primarily serves small to mid-sized businesses and supports automation across accounts payable, accounts receivable, and expense management.

For accounts payable, BILL offers invoice capture, approval workflows, payment scheduling, and multiple payment options. It also integrates with accounting tools to help finance teams reduce manual work and maintain visibility into cash flow.

Stampli vs. BILL: Feature comparison by tier

While both platforms aim to streamline accounts payable, their features differ in key areas—especially as businesses scale or require deeper ERP integration. Here’s how Stampli and BILL compare across their respective plans.

Stampli features

Stampli does not offer separate tiers for its accounts payable software. Instead, its core features and pricing are tailored to each business and may vary based on specific needs. Here are the AP features it provides:

• Unlimited, fully automated invoice capture
• Contract flexibility on a monthly or annual contract
• Unlimited vendors, entities, and locations
• PO matching that includes semi-automated 2-way and 3-way matching and full automation with Stampli’s built-in AI capabilities
• Insights that include 12 pre-built reports and interactive dashboards
• A Customer Success Manager and support from AP and ERP experts
• Onboarding and team training

Other features that Stampli provides includes:

• Domestic check and ACH payments, global ACH and wire transfers, virtual cards, and the the ability to pay using any method via Stampli Direct Pay
• A free Stampli Credit Card for Stampli customers; includes both virtual and physical cards, expense management, and a mobile app
• A vendor portal, in-platform messaging, onboarding tools, and document compliance

BILL features

BILL, on the other hand, offers four pricing tiers. Here's what's included in their starting plan:

• Enter and manage bills from a centralized inbox
• Provides standard approval policies and automates approval workflows
• Pay by ACH, virtual card, credit card, and get paid by ACH and credit card
• Access to BILL’s vendor network
• Payable insights
• 6 standard user roles
• Send, track, and create custom invoices
• Automate payment reminders
• Set auto-charge and auto-pay
• QuickBooks Online, Pro, Premiere and Xero via manual CSV import/export
• API access

And here are the following features that are added at each higher tier, with all previous tier features included:

As with any SaaS solution, features may evolve over time. This comparison focuses on core AP automation capabilities.

Stampli vs. BILL: Pricing and customer experience

Costs and user experience often differ based on a company’s size, industry, and internal processes. Here’s how Stampli and BILL compare in terms of pricing and what users have shared about their experiences on G2.

How much does Stampli cost?

Stampli uses a bundled pricing model based on invoice volume, user licenses, and specific features like ERP integrations. While public pricing isn’t available, businesses can request a tailored quote through Stampli’s sales team. Costs may vary depending on the number of entities, system integrations, or support needs.

How much does BILL cost?

BILL offers a tiered pricing structure, with the Essentials plan starting at $45 per user per month, the Team plan at $55, and the Corporate plan at $79. For businesses with more complex needs, BILL provides an Enterprise plan with custom pricing.

Pricing may also fluctuate based on discounts or annual commitments.

Why do customers choose Stampli?

Based on G2 feedback, customers appreciate Stampli’s ability to manage approvals across multiple business units. Users highlight the search functionality for audits and responsive customer support as major benefits.

Why do customers choose Bill?

Based on feedback available on G2, reviewers note that BILL’s AP and AR automation reduces manual work and improves cash flow visibility. Users also mention responsive customer support as added benefits for day-to-day operations.

How to choose between Stampli and BILL

When comparing AP automation platforms, it helps to evaluate how each one fits your business’s size, workflows, and industry needs. Here are some key differences in ratings, customer focus, and platform strengths.

After comparing Stampli and BILL, it’s clear both offer solutions catered to SMBs. But if you're looking for an alternative with stronger control and cost-efficiency, Ramp could be a better fit for your finance team.

Ramp as an alternative to Stampli and BILL

While Stampli and BILL each bring useful features to AP workflows, Ramp offers a comprehensive solution that combines automation with real-time visibility and tighter control over spend. For teams prioritizing ease of use, efficiency, and cost transparency, Ramp may be the better fit.

9.4Meets Requirements9.1

9.5Ease of Use9.3

9.3Ease of Setup9.3

9.4Ease of Admin9.3

9.2Quality of Support9.5

9.5Good Partner9.6

9.7Product Direction9.5

Source: G2 ratings

9.4Meets Requirements8.7

9.5Ease of Use8.8

9.3Ease of Setup8.6

9.4Ease of Admin8.7

9.2Quality of Support8

9.5Good Partner8.5

9.7Product Direction8.3

Source: G2 ratings

Here’s how Ramp compares to Stampli and BILL based on features available in each of their entry-level plans (or for Stampli, what is included in its bundled approach):

Ramp brings together accounts payable, expense management, corporate cards into one system. That means fewer tools to manage and more clarity across vendor payments, approvals, and company spend.

Ramp is designed to:

• Automate at scale: AI-powered invoice processing captures line-item details with high accuracy and automates approval routing and payments via ACH, check, card, or wire
• Grow with your team: Whether you’re a lean startup or a growing mid-market business, Ramp supports complex workflows without adding unnecessary friction
• Be intuitive: Built for ease of use, Ramp’s interface lets finance teams move quickly from intake to reconciliation—without a long onboarding curve

Still not sure? Just ask Fahem Islam, an Accounting Associate at Snapdocs, who transitioned from using Bill.com for vendor bill payments to Ramp:

“The auto-population that happens with Ramp has been pretty phenomenal. I feel very confident that when I upload a bill into Ramp, it’s going to line up with what the bill says. I spend maybe 10–15 minutes in Ramp every day, and I know that we’re set. That puts my mind at ease -- knowing that I need to put minimal time into Ramp to have it take care of our needs.”

Ramp’s standard plan is also free, making it a cost-effective plan for smaller teams. For companies that need more advanced capabilities, Ramp Plus starts at just $15 per user per month. This makes Ramp a strong alternative to BILL.com and Stampli pricing.

Choosing AP automation that grows with your business

Stampli and BILL each serve different segments—one prioritizing collaboration and AI, the other focusing on payment simplicity. But for companies looking to centralize AP while gaining more control and visibility, Ramp offers a modern, flexible alternative that scales with your needs.

Get started. See how Ramp can simplify AP for teams of any size—without the extra complexity.