Stampli vs Bill.com: Which AP Automation Solution Fits Your Business?

Accounts payable (AP) automation has become essential for US companies that want to streamline vendor payments, strengthen cash flow and maintain compliance. Two popular solutions are Stampli and Bill.com, both of which offer automation, approval workflows and integrations with leading accounting platforms. But when it comes to Stampli vs Bill.com, which platform is better aligned with your company’s needs?

This comparison explores the features, costs, and benefits of Stampli vs Bill.com, helping American entrepreneurs, expats managing US subsidiaries and growing businesses make an informed choice. We'll also discuss the Wise Business account. The global account that can help your company with all things cross-border.

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What Is Stampli?

Stampli is an AP automation platform built to connect every step of the accounts payable process, from purchase requests to final payments. Unlike many providers that focus narrowly on invoice processing, Stampli offers a full ecosystem that brings together invoice capture, approvals, vendor engagement and spend management.

Here’s the breakdown of Stampli’s key features.¹

• Invoice and Approval Automation: AI-powered data capture, line-level purchase order (PO) matching and automated coding help eliminate manual entry errors. Approval routing can be fully configured to match business rules, with built-in messaging to streamline communication between internal teams and vendors.
• Procurement and Purchasing: Stampli Procurement provides an employee purchasing portal, purchase order and service ticket management and budget oversight. This enables businesses to connect procurement directly to AP workflows, ensuring greater control over cash flow.
• Payments and Spend Management: Companies can pay vendors by check, ACH, global ACH, wire transfers or virtual cards. Mobile card management and expense management tools add an extra layer of visibility into business spend.
• Vendor Engagement and Compliance: A dedicated vendor portal simplifies onboarding, messaging and compliance. By giving vendors direct access, Stampli helps businesses strengthen relationships and reduce payment disputes.
• AI-Powered Insights: With Stampli’s AI Copilot and advanced analytics, finance teams gain real-time visibility into cash flow, invoice status and departmental spend.

These capabilities translate into faster invoice processing, freeing up as much as 60% of AP team workload.

What Is Bill.com?

Bill.com is an AP and AR automation platform that streamlines payments, invoicing and approvals for US businesses. Its strength lies in combining payables and receivables in one system.

Here are the key features of Bill.com.²

• Payments: Pay vendors via ACH, credit card or international transfers to more than 130 countries.
• Invoicing: Create and send invoices with a customer portal for ACH or card payments.
• Approvals and Controls: Configure workflows, roles and permissions to reduce fraud risk.
• Artificial Intelligence: Automate data capture and bill pay to cut manual work and errors.
• Mobile App: Approve, pay and manage invoices from anywhere.

Bill.com offers a flexible, all-in-one solution to manage both outgoing and incoming payments efficiently.

Costs and Pricing

Pricing is often a deciding factor when comparing Stampli vs Bill.com. Both platforms follow different models that reflect their approach to AP automation.

Stampli’s quote-based model suits mid-sized and enterprise firms that want tailored solutions, though the lack of published pricing makes budgeting harder. Bill.com offers clear subscription tiers, making it easier for smaller US businesses to plan costs while still providing enterprise-level scalability.

Which Businesses Benefit Most?

Stampli is ideal for US companies with complex approval workflows, distributed teams or industries where invoice disputes are common. Manufacturing, health care and professional services firms often find Stampli’s collaboration tools invaluable.

Bill.com works best for businesses that need both AP and AR automation in one platform. It’s widely adopted by accounting firms serving SMBs, as well as larger organizations needing strong payment rails and direct bank integrations.

Security and Compliance

Both platforms are designed with US compliance requirements in mind. Stampli maintains SOC 2 Type II compliance and uses encryption for all invoice and payment data.⁵ Bill.com is also SOC 2 certified, offers role-based permissions and complies with US banking and payment regulations.⁶ For businesses working with sensitive vendor or client data, both solutions provide enterprise-grade security.

Final Thoughts

When comparing Stampli vs Bill.com, the decision depends on whether your business prioritizes collaboration around invoice approvals or comprehensive payment management across both payables and receivables. US businesses with complex internal workflows often prefer Stampli, while those looking for a broad financial operations tool lean toward Bill.com.

Either solution can help American entrepreneurs, expats and business owners reduce manual workload, improve visibility and scale financial operations with confidence.

Save Time and Money On Overseas Payments With Wise Business

Wise Business can help you save big time on international payments.

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in currencies.

Signing up to Wise Business allows access to BatchTransfer which you can use to pay up to 1000 invoices in one go. This is perfect for small businesses that are managing a global team, saving a ton of time and hassle when making payments.

Some key features of Wise Business include:

• Mid-market rate: Get the mid-market exchange rate with no hidden fees on international transfers

• Global Account: Send money to countries and hold multiple currencies, all in one place. You can also get major currency account details for a one-off fee to receive overseas payments like a local

• Access to BatchTransfer: Pay up to 1000 invoices in one click. Save time, money, and stress when you make 1000 payments in one click with BatchTransfer payments. Access to BatchTransfer is free with a Wise Business account

• Auto-conversions: Don't like the current currency exchange rate? Set your desired rate, and Wise sends the transfer the moment the rate is met

• Free invoicing tool: Generate and send professional invoices

• No minimum balance requirements or monthly fees: US-based businesses can open an account for free. Learn more about fees here

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Frequently Asked Questions

Is Stampli Cheaper Than Bill.com?

Stampli does not publish standard pricing, while Bill.com starts at $79 per user per month. Depending on invoice volume, Stampli may be more cost-effective for mid-market firms, but smaller businesses may find Bill.com’s pricing easier to plan for.

Does Stampli Handle Accounts Receivable Like Bill.com?

No. Stampli focuses exclusively on accounts payable, while Bill.com supports both AP and AR.

Which Platform Integrates Better With QuickBooks and NetSuite?

Both integrate with QuickBooks and NetSuite. Stampli is often preferred for deeper AP collaboration, while Bill.com is preferred for payment and receivables management.

Can US Companies Use Stampli or Bill.com for International Vendors?

Yes. Bill.com has built-in support for international wire transfers, while Stampli enables payments via third-party payment partners.

Which Is Better for Accounting Firms in the US?

Bill.com is widely used by accounting firms because of its ability to handle AP and AR across multiple clients. Stampli may be better suited for in-house finance teams managing high volumes of invoices.