Top Stampli Alternatives for 2025

Stampli does invoice intake and approvals well—no argument there. But most mid-market teams outgrow AP-only tools fast. If your finance org wants fewer tabs, tighter cash visibility, and systems that pay for themselves, here are the best replacements in 2025—grouped by use case—plus the platform we’d pick if we had to choose one today.

Why Teams Move Off Stampli

• AP in a silo. Stampli stops at payables. No AR automation or forecasting means controllers are still patching spreadsheets together to see real cash position.
  
• Scope ceiling. It’s strong at invoice capture and approvals, but offers little beyond AP. Teams needing end-to-end cash visibility eventually hit walls.
  
• Integration gaps. Syncs to ERPs can be clunky, creating timing issues and duplicate work when Finance wants one source of truth.
  
• ROI questions. Costs add up with add-ons and separate AR/forecasting tools. As volumes rise, value can feel stretched.
  
• Global limitations. International payments and tax compliance are still manual-heavy, pushing extra work back on the AP team.
  
• Growing pains. As companies scale, leaders want unified controls across AP, spend, and cash. An AP-only tool doesn’t keep up.
  

These gaps are exactly why finance leaders start weighing Stampli against other platforms. Below, we’ve broken down the top alternatives in 2025 by use case—so whether you need global payables, tighter spend control, or a true all-in-one finance system, you’ll see which option fits best.

Why Centime Stands Out

Stampli is built for AP. Centime is built for the entire finance office. It’s the only alternative that unifies accounts payable, accounts receivable, and cash flow forecasting in one system. For CFOs who are tired of hopping between tools, Centime provides a single source of truth for all cash inflows and outflows.

Key Centime Features

• Full AP automation: AI-driven invoice capture, 2- and 3-way PO matching, GL coding, and customizable approval workflows.
  
• AR automation: Customer invoicing, automated reminders, collections workflows, and a self-service payment portal.
  
• Real-time cash visibility: Live 13-week forecasts generated directly from AP and AR data—no manual spreadsheets.
  
• Embedded business banking: High-yield, FDIC-insured accounts that let vendor and customer funds earn interest until cleared.
• Deep ERP integrations: Real-time, embedded sync with NetSuite, Sage Intacct, deep sync with QuickBooks Desktop/Online, and Microsoft Dynamics 365 BC (coming soon).
  

Centime Strengths

• Combines AP, AR, and cash forecasting in one platform—no more point solutions.
  
• Forecasts update automatically as invoices are issued, collected, or paid.
  
• Cash yields offset a meaningful portion of software costs.
  
• Fast implementation (typically 7–21 days) with dedicated onboarding support.
  

Limitations

• Currently supports U.S.-based companies only.
  
  
• ERP integrations are focused on Sage Intacct, NetSuite, QuickBooks Desktop/Online, and Microsoft Dynamics 365 BC (coming soon).
  

Target Market

Mid-market finance teams that have outgrown AP-only tools and want a true command center for payables, receivables, and cash. Especially a strong fit for companies already on NetSuite, QuickBooks Desktop, QuickBooks Online, Sage Intacct, or Microsoft Dynamics 365 BC.

Pricing

Modular and quote-based. Centime can be purchased à la carte (AP, AR, or cash forecasting) or bundled together as a unified finance platform.

Why Choose Centime Over Stampli

Stampli helps you approve and pay bills. Centime helps you run your finance function. With Centime, you get everything Stampli offers in AP, plus AR automation and real-time forecasting. Add in yield on cash and embedded ERP integrations, and the ROI picture changes dramatically. For teams tired of managing AP in a silo, Centime is the clear step forward.

‍

Tipalti is purpose-built for companies with sprawling vendor networks across multiple countries. Where Stampli can struggle with compliance and cross-border payments, Tipalti steps in with strong global payout infrastructure and tax form collection. For finance teams managing thousands of invoices across subsidiaries and geographies, this specialization is valuable.

Key Tipalti Features

• Automated AP workflows: OCR invoice capture, approvals, and PO matching.
  
• Global payments engine: Supports 200+ countries and 120 currencies with multiple payment methods (ACH, wire, local transfer, etc.).
  
• Tax compliance: Collects and validates W-8/W-9 forms, automates withholding, and runs OFAC/sanctions checks.
  
• Supplier self-service portal: Vendors onboard themselves, enter tax/bank details, and track payment status.
  
• Multi-entity support: Consolidated visibility across subsidiaries and business units.
  

Tipalti Strengths

• Excellent fit for companies with heavy international vendor bases.
  
• Reduces risk around global tax and compliance requirements.
  
• Widely adopted in enterprise environments.
  
  

Tipalti Limitations

• Focuses only on AP; no AR automation or cash forecasting.
  
• Implementation can be lengthy due to global compliance setup.
  
• Pricing can run high, particularly for firms without large cross-border volumes.
  

Target Market

Upper mid-market to enterprise companies with complex, multinational AP operations—especially tech, digital media, or marketplaces that pay vendors worldwide.

Pricing

Starts at ~$99/month for core AP automation, with additional charges for global payment and compliance features. Costs scale significantly with volume.

Why Choose Tipalti Over Stampli

If you’re a global company paying vendors in dozens of countries, Tipalti gives you safeguards Stampli doesn’t—tax form validation, sanctions checks, and multi-currency payments. But if your priority is a unified view of AP, AR, and cash forecasting, Centime is the stronger fit.

‍

Airbase isn’t just AP automation—it’s a spend management platform designed to control every non-payroll dollar leaving the company. For finance leaders more concerned with employee-initiated spend and card programs than with forecasting or AR, Airbase offers a consolidated way to manage bills, corporate cards, and reimbursements in one workflow.

Key Airbase Features

• Unified spend workflows: One place to request, approve, and track bills, card spend, and reimbursements.
  
• Corporate card program: Issue physical or virtual cards with built-in spend controls.
  
• No-code approval workflows: Configure multi-level approvals by department, budget, or amount.
  
• Real-time budget visibility: Department managers see actual spend against budget as transactions occur.
  
• ERP integrations: Syncs with systems like NetSuite, QuickBooks, and Sage Intacct.
  

Airbase Strengths

• Brings AP and corporate card management into the same system.
  
• Strong controls for curbing “rogue” or unapproved spending.
  
• Modern interface with built-in analytics for spend patterns.
  
• Helpful for teams wanting to replace multiple point tools (AP + card program + expense reporting).
  

Airbase Limitations

• Focuses on spend; no AR automation or cash forecasting.
  
• Implementation can be more involved than lightweight AP tools.
  
• Pricing is at the higher end—better suited for companies with large expense volumes.
  

Target Market

Mid-market finance teams that want tight control of company spending, especially those with distributed employees making card purchases or submitting reimbursements.

Pricing

Quote-based and typically higher than standard AP tools. Plans are modular depending on invoice volume, card usage, and additional features.

Why Choose Airbase Over Stampli

If AP is only one part of your challenge and employee spend is the bigger headache, Airbase adds controls Stampli doesn’t—corporate cards, budgets, and T&E workflows. But for visibility into both inflows and outflows, or to manage AR alongside AP, platforms like Centime offer the more comprehensive solution.

‍

Ramp started as a corporate card provider and built AP features later. Its core value is helping smaller finance teams control spend while keeping costs low. If your company needs free cards with cashback, simple bill pay, and an easy interface, Ramp delivers that in one package.

Key Ramp Features

• Corporate cards with cashback rewards and real-time spend tracking.
  
• Basic AP/bill pay module: upload bills, capture data with AI, route for approvals, and pay via ACH/check.
  
• Expense automation: auto-categorization and receipt matching.
  
• Vendor management: reminders for renewals and insights into contract spend.
  
• Integrations with QuickBooks, NetSuite, and Xero for transaction sync.
  

Ramp Strengths

• Entry-level plan is free, making it attractive to startups or lean finance teams.
  
• Plus and Custom Enterprise tiers add more advanced features for larger orgs.
  
• Extremely fast onboarding (self-serve, usually in under a week).
  
• Clean, modern UI that’s especially popular with startup finance teams.
  
• Strong at real-time spend visibility and enforcing budget limits via cards.
  

Ramp Limitations

• Limited AP depth: lacks advanced features like PO matching or multi-entity workflows.
  
• No AR automation or cash forecasting.
  
• Primarily U.S.-focused, with limited international payment support.
  

Target Market

Small businesses and startups that want a cost-effective way to manage card spend and basic AP, with optional upgrades as they scale.

Pricing

Tiered: Free starter plan, Ramp Plus with additional functionality, and Custom Enterprise for larger companies with advanced needs.

Why Choose Ramp Over Stampli

If your priority is spend control and low software costs—not advanced AP or forecasting—Ramp is appealing. You’ll get corporate cards and light AP automation in one system, something Stampli doesn’t offer. But once finance leaders want forecasting, AR, or deeper AP functionality, Centime is the stronger long-term platform.

‍

AvidXchange has been around for decades and is one of the most established AP automation players in the U.S. Its real strength is scale: finance teams processing tens of thousands of invoices each month rely on it to handle complex routing, PO-heavy workflows, and supplier payments at volume.

Key AvidXchange Features

• Advanced invoice capture with AI-driven OCR.
  
• 2- and 3-way PO matching for procurement-heavy businesses.
  
• Large payment network (700,000+ suppliers) for electronic payments.
  
• Configurable approval workflows for multi-entity and multi-level setups.
  
• Integrations with 200+ ERPs and accounting systems.
  

AvidXchange Strengths

• Built to handle enterprise-level invoice volumes and complex approval chains.
  
• Deep integration library covering industry-specific ERPs (construction, real estate, financial services).
  
• Supplier network streamlines electronic payments.
  
• Well-supported in industries still reliant on paper invoices and checks.
  

AvidXchange Limitations

• Focuses only on AP—no AR automation, forecasting, or cash visibility.
  
• Long implementation cycles (often 1–3 months).
  
• Pricing is significantly higher than mid-market AP tools.
  

Target Market

Enterprises and larger mid-market firms with very high invoice volume, heavy PO usage, and complex workflows. Especially common in real estate, construction, and financial services.

Pricing

Enterprise-level, quote-based pricing. Many mid-market users report starting around $5,000+/month depending on invoice volume and modules selected.

Why Choose AvidXchange Over Stampli

If your challenge is pure invoice volume and complex AP workflows, AvidXchange is purpose-built for that scale. But for teams wanting a broader view of cash (AP + AR + forecasting), Centime offers a more strategic solution.

‍

Yooz is a lightweight AP automation solution aimed at smaller organizations. It makes invoice capture and approval workflows easy to adopt, especially for teams that don’t have IT resources or need to train dozens of users.

Key Yooz Features

• AI-driven OCR that learns recurring invoices over time.
  
• Basic approval routing with configurable rules.
  
• Integrations with 250+ accounting and ERP systems.
  
• Mobile access for invoice approvals.
  
• Standard AP dashboards and reporting.
  

Yooz Strengths

• Quick to implement, minimal setup required.
  
• User-friendly for small teams with limited finance staff.
  
• Cost-effective compared to larger enterprise tools.
  

Yooz Limitations

• AP-only: no AR automation, cash forecasting, or broader finance capabilities.
  
• Reporting limited to AP metrics.
  
• May not scale effectively for mid-market or enterprise invoice volumes.
  

Target Market

Smaller businesses or finance teams processing low-to-moderate invoice volumes who want to move off manual entry without investing in a full finance platform.

Pricing

Starts around $199/month for up to 100 invoices, with higher tiers available.

Why Choose Yooz Over Stampli

If you’re a smaller company and only need a simple AP automation tool, Yooz offers a low-barrier entry point. But once invoice volume grows or leadership wants cash forecasting and AR automation, Centime is the platform built to handle those needs.

‍

Formerly known as Bill.com, BILL is one of the most widely adopted AP platforms for small businesses. Its strength is simplicity: pay vendor bills, send basic customer invoices, and keep everything synced with your accounting software. For SMBs that want to automate payments without complexity, BILL is a natural first step.

Key BILL Features

• Streamlined AP workflows with bill capture, approvals, and payments.
  
• Basic AR capabilities: create and send invoices, receive payments.
  
• Strong bank integrations for ACH and check payments.
  
• Seamless sync with QuickBooks, Xero, and other SMB accounting tools.
  
• Centralized dashboard for bill and invoice tracking.
  

BILL Strengths

• Very user-friendly—easy for small finance teams to adopt quickly.
  
• Well-integrated with popular SMB accounting systems.
  
• Handles both sides of the cash cycle at a basic level (AP + AR).
  
• Affordable entry pricing compared to mid-market tools.
  

BILL Limitations

• Approval workflows and reporting are limited compared to dedicated AP platforms.
  
• Not built for complex, multi-entity, or enterprise AP needs.
  
• AR features are basic—no collections automation or advanced analytics.
  

Target Market

Small businesses that want an easy way to pay vendors and send invoices, all inside a simple system connected to their accounting software.

Pricing

Starts at $45 per user per month for AP/AR packages, with additional fees for payments and add-ons.

Why Choose BILL Over Stampli

If you’re a small business looking for straightforward bill pay and invoicing, BILL is easier and cheaper to use than Stampli. But for mid-market companies that need forecasting, AR automation, and deeper integrations, Centime is the more strategic fit.

‍

Melio is a lightweight bill payment platform built for very small businesses that just want to pay vendors without investing in a full AP system. It’s easy to set up, requires no training, and integrates directly with QuickBooks Online—making it a low-friction way to get bills out the door.

Key Melio Features

• Free bank transfers (ACH) with no monthly subscription fees.
  
• Option to pay vendors by credit card, even if they only accept checks.
  
• Basic approval roles for internal oversight.
  
• QuickBooks Online integration for automatic reconciliation.
  
• Limited international payments (~80 countries) via wire transfer.
  

Melio Strengths

• Extremely easy to adopt—teams can start paying bills the same day.
  
• No monthly subscription cost; fees apply only to card payments or wires.
  
• Clean, simple interface well-suited for business owners without finance staff.
  

Melio Limitations

• Strictly bill pay: no AR automation, forecasting, or advanced AP workflows.
  
• Approval and reporting capabilities are very basic.
  
• Not designed for scaling businesses or multi-entity operations.
  

Target Market

Microbusinesses, solopreneurs, or startups with only a handful of bills to pay each month and no dedicated AP team.

Pricing

Free for bank transfers; 2.9% fee for credit card payments; flat fees for wires and expedited checks.

Why Choose Melio Over Stampli

If you just need a simple, low-cost way to pay bills, Melio is more accessible than Stampli. But it’s not built for scaling companies. Once invoice volumes grow or leadership wants AR automation and cash visibility, a platform like Centime becomes the natural next step.

‍

Stampli does its job well as an AP-first tool. But as we’ve seen, most finance teams aren’t just trying to move invoices faster—they’re trying to get full visibility into cash, cut down on siloed systems, and free up time for strategy. That’s where the alternatives separate themselves.

• Tipalti is strong if you’re a global enterprise with complex compliance needs.
  
  
• Airbase and Ramp make sense if spend control and corporate cards are your top priorities.
  
  
• AvidXchange fits enterprises with massive invoice volume and deep AP workflows.
  
  
• Yooz, BILL, and Melio each provide lighter-weight AP for smaller teams or microbusinesses.
  
  

Each of these tools fills a niche—but none address the broader reality for mid-market CFOs: AP is only one piece of the cash picture. Without AR automation and forecasting in the same platform, Finance is still stuck reconciling across systems.

That’s why Centime stands out as the clear winner. It gives you everything Stampli does for AP, plus the critical capabilities Stampli leaves out:

• AR automation to accelerate collections and reduce DSO.
  
  
• Real-time cash forecasting that eliminates manual spreadsheet modeling.
  
  
• Embedded business banking with yield on idle cash, helping offset software costs.
  
  
• Deep ERP integrations that ensure AP, AR, and cash are all tied directly into your accounting backbone.
  
  

For finance leaders, the choice often comes down to this: keep layering point solutions together, or move to a platform that ties the full cash cycle into one system. Centime is built for the latter. It’s not just an AP tool—it’s a command center for payables, receivables, and cash, giving CFOs the visibility they need to run Finance as a strategic partner to the business.

If your goal is to simply replace Stampli, there are plenty of options. If your goal is to future-proof your finance stack, Centime is the one solution that checks every box. Book a demo today!