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Cut costs, eliminate manual work, and gain full visibility into your payables process.
When your business expands, the number of transactions you need to handle will grow. Effectively managing supplier invoices from the beginning is critical, as the volume and complexity of your accounts payable will inevitably increase over time.
AP automation solutions streamline financial workflows and enable overburdened AP departments to process a larger volume of invoices without breaking a sweat.
Tipalti and Stampli are both popular AP automation solutions. They boast features like invoice processing and approvals, payment remittance, ERP integrations, and more. Unless you know the ins and outs of each system, choosing between the two can be a challenge.
Which solution fits your business best? In this article, we’ll compare the product capabilities of both systems and discuss how each one manages your accounts payable needs.
Why Choose Tipalti Over Stampli?
Choosing Tipalti over Stampli will depend on your business needs and feature functionality. Here are a few instances in which you may consider choosing Tipalti instead of Stampli:
Global Payments
- Tipalti supports global payments in 200+ countries and 135+ currencies.
- Stampli focuses mostly on AP workflows and invoice automation.
End-to-End Automation
- Tipalti provides a full automated workflow with advanced features, from procurement and vendor management to tax compliance and reconciliation.
- Stampli’s AP relies on third-party integrations for payments and other key features
Compliance
- Tipalti automates tax compliance with built-in W-9, W-8, and VAT form collection, reducing compliance risks.
- Stampli does not have tax form automation, requiring companies to manage tax compliance separately.
Payments and Currencies
- Tipalti supports many payment methods, including ACH, bank transfers, PayPal, and global ACH.
- Stampli works with domestic vendor payments and has third-party processors for cross-border transactions.
Additional Reasons to Choose Tipalti
- ERP and accounting software integrations
- Looking for scalability and growth
- Need cost and value proposition
- Advanced automation capabilities
- Procurement and approval routing
See what our customers are saying
66% fewer payment errors. 25% faster close. 80% less AP workload.
A Few Questions to Ask Stampli
- Does Stampli support global payments natively or does it require a third party?
- How many currencies and countries does Stampli support?
- Can they process mass payments for global vendors, freelancers, and creators?
- How does Stampli help companies comply with IRS and global tax regulations?
- How does their AI-powered Billy the Bot compare to Tipalti’s automation engine?
- How transparent is Stampli about their pricing?
What Does Tipalti Do?
Tipalti provides global payables and procurement automation software that integrates all phases of the accounts payable and payment management workflow into a single cloud-based platform. The system works for everyone, from small companies to mid-sized businesses and enterprise conglomerates.
Tipalti provides industry-leading accounts payable automation, helping finance teams save time and focus on what matters most to their business. Beyond AP, Tipalti’s platform delivers comprehensive solutions for procurement, employee expenses, corporate cards, and mass payments—bringing all critical financial processes together in one global finance automation platform.
Tipalti Features Overview
Tipalti is built to support accounts payable across your entire enterprise, including business entities, subsidiaries, and international divisions. The software gives finance teams granular control over payables to protect your business from fraud and loss.
Tipalti can process payments in 6 methods across 200+ countries and 135+ currencies, making doing business globally much easier.
The system offers end-to-end automated features, including:
- Supplier onboarding and management
- Tax and regulatory compliance
- Purchase order management
- Invoice management
- Card spend management
- Global payment remittance
- FX solutions
- reconciliation & reporting
The platform is designed to save your business time and money.
Tipalti ERP Integrations
Tipalti integrates with any ERP and accounting system. This includes popular systems like:
- Oracle NetSuite (including OneWorld)
- QuickBooks
- Sage (Intacct, 50, 100, 200, 300, X3, Bright Pearl)
- Xero
- Acumatica
- Microsoft Dynamics 365 (Business Central, F&O, NAV, GP)
- SAP (Business One, S/4HANA, ByDesign, ECC)
- Oracle Fusion
- Workday
- Infor Syteline
- Visibility
- Odoo
- QAD
- IQMS
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Thank you for your interest
Thank you for watching our demo videos on AP automation and for your request to schedule a live personalized demo. We are excited to show how Tipalti can streamline your account payable process and enhance your financial operations. An AP automation specialist from Tipalti will reach out to you as soon as possible.
Tipalti Pricing
Tipalti’s pricing model scales with your company. Pricing starts at $99 per month for the Accounts Payable Starter Plan, and you can seamlessly upgrade to Tipalti’s more advanced capabilities, like multi-entity payables, at any time. The Premium Plan, the Elite Plan, the Accelerate, and the Plus Plans are all custom pricing.
What Does Stampli Do?
Stampli provides AP automation software for companies to manage financial workflows and process payments.
Stampli Features Overview
Stampli helps organizations streamline accounts payable with communications, documentation, corporate cards, and payables features delivered via a centralized dashboard. Its AP automation solution supports both PO and non-PO invoices and gives your team control and visibility over corporate spending.
The Stampli solution includes features like invoice capture and coding, approval notifications, internal controls, integrations, and IT support.
Stampli ERP Integrations
The platform integrates with a variety of common ERP systems, including:
- Sage Intacct
- QuickBooks
- Microsoft Dynamics
- SAP
- Netsuite
Stampli Pricing
Stampli does not provide public pricing on its website. The company charges a monthly platform fee that includes a fixed number of user licenses and invoices. There are fees for additional users and invoice overages.
Stampli charges a monthly fee for its payments module and per-transaction fees. Depending on your ERP integration, Stampli may charge a monthly connector fee. For an exact quote, you will need to contact sales.
Compare Key Features: Tipalti vs. Stampli
Although Tipalti and Stampli are both great tools to automate your AP processes, each platform has varying capabilities. Take a look at some of the features and solutions each platform has to offer:
| Functionality |  |  |
|---|---|---|
| *Limited functionality | ||
| Global Payments | Send payments via six methods to 200+ countries in 120 currencies. 26,000 payment rules to reduce errors. Money transmitters licenses (MTLs) in the US; e-money institution authorization in the EU and UK | Send check or virtual card payments internationally in USD. International ACH to 30 countries. International wire to 150+ countries. No prepaid debit or PayPal payments. No MTLs |
| Bill Approval | No charge for bill approvers, approve bills via email with no login required | Invoice approvers pay a monthly fee, login required, cannot approve via email |
| Invoice Processing and PO Matching | Header and line-level OCR with machine learning + managed services for invoice data capture; AI-based GL coding, 2- & 3-way PO matching at the header and line-level with tolerance thresholds | Header-level OCR with machine learning but no managed services to augment invoice data capture. ML-based GL coding. Tolerance thresholds for 2-way PO matching only |
| Foreign Exchange (FX) Solutions | Save time and money on currency conversions. Manage intercompany bank transfers between currency accounts, hedge your FX exposures, and provide full FX rate visibility to both payers and payees | Visibility into FX rates and the ability to automatically execute payments based on preset FX rate goals. No intercompany bank transfers between currency accounts |
| Tax and Regulatory Compliance | KPMG-approved tax engine:
• Digital W-9 and W-8 tax forms
• Collect and validate IRS tax forms and VAT tax IDs
• 1099/1042-S tax prep reports
• 3K tax validation rules
• eFiling integrations and services
| Collect, track, and manage W-9 and W-8 tax forms, as well as other vendor documents. No data validations, no tax prep reports, and no year-end eFiling. |
| Supplier Onboarding & Vetting | An advanced self-service client-branded portal to easily collect & track payment methods, currency, and payment thresholds. 26K payment validation rules reduce errors by 66%. Fee splitting allows payers to incentivize partners to adopt safer, more efficient payment methods | Branded vendor portal with self-service onboarding, but no banking and tax rules validations. No fee-splitting. |
| Fraud Prevention | Fraud module for detailed payee monitoring and proactive screening before every payment. Screening of payees against OFAC/SDN lists | OFAC/SDN list screening, but no fraud module. |
| Multi-Entity Payables Reconciliation | Manage multiple entities in a single instance with a consolidated view, instant reconciliation across entities, and payables workflows | Supports multiple entities in a single instance. Cannot offer different branding or tax onboarding flows per entity. |
| Procurement | Friendly purchase requisitions, PO creation & real-time budget visibility. Amazon punchouts, Slack, ticketing systems, and other integrations accelerate approval workflows. Contact interface for renewal management | Developing procurement capability launched at the end of Q1/2025 |
| Corporate Cards | Issue, control, and reconcile physical and virtual cards for pre-approved spending. Earn cash back on every transaction | Physical & virtual cards are issued for pre-approved purchases per vendor or expense category. Earn cashback |
| Expense Management | Set expense policies. Mobile app for expense filing and approvals. Global reimbursements and automatic reconciliation | Card-focused expense management. No employee reimbursements for out-of-pocket spending. |
Customer Stories
Don’t just take our word for it, see what our customers are saying
Accounts Payable 
Mass Payments 
United States, Global 
Software and technology
100 – 1000
Music royalties
Business services
Procurement 
AdTech
Marketplaces
Experience the Full Power of End-to-End AP Automation with Tipalti
Which Solution Works Best for Your Business (and Why)
Choosing the right AP automation software for your business is not as easy as it seems. You must dig through many features, tools, and integrations to decide on one that best fits your business. Here, we’ve tried to create a few scenarios to help you decide between Tipalti and Stampli:
When to Choose Tipalti
You need best-in-class invoice management to reduce payable team workloads
Tipalti’s AP solutions are proven to eliminate 80% of workloads. This helps you to avoid future AP hiring and uplifts your teams out of manual tasks, enabling them to focus on higher-value strategic initiatives
Smart Optical Character Recognition (OCR) technology eliminates tedious, error-prone manual data entry. Tipalti provides ease of setup for invoice processing, not only header-level but also line-level data capture. This means the difference between spending just 2 minutes to verify the coding and spending 20 minutes capturing line-level data with other solutions.
Approvals are considered the slowest stage in the invoice processing lifecycle. That’s why Tipalti ensures that our approval experience is streamlined from both the AP and approver’s perspective.
Our solution speeds up approval time on the AP side by using AI technology that recommends the right approval flow based on historical data. If you have an approval policy in place, our flexible approval rules engine can maintain your approval metrics based on any combination of parameters.
Approving bills is also very easy. We provide an optimal approval experience via email by ensuring approvers can see the info they need at a glance, from the vendor’s past bills to any other related documents. Approvals can be done directly from email, without needing to log in or purchase additional users.
Tipalti’s PO matching module is one of its strongest differentiators:
- We support both two and 3-way matching on both the header and line level.
- Our automatic AI matching engine and intuitive UI cut down on AP time wasted manually comparing tens of lines per invoice. It allows you to complete the matching process within seconds, and you can easily view all exceptions and update the bill if needed.
- Our flexible matching tolerance engine lets you define any combination of tolerance rules you want—on the header level, line level, or both. Thus, you get the necessary control without wasting time on redundant approvals.
You have growing domestic or global payables needs
As payables volumes for a mid-market business expand, workflows will become more complex due to the addition of global suppliers, multi-subsidiary operations, and mass payment processing. This will require an AP solution with built-in scalability to future-proof your payables processes.
The Tipalti Multi-Entity feature enables payers to manage a large number of entities within a single AP application. This allows for centralized controls and consolidated financial reporting. It also enhances workflows, streamlines tasks, and simplifies processes per entity.
For global corporations, Tipalti executes fast global payments to 200+ countries in 120 currencies. Payments can be made using multiple international payment methods, such as:
- Global ACH (eCheck)
- Wire transfer
- PayPal
You can also streamline your FX workflows with advanced capabilities like FX hedging, Multi-FX, and Payee FX optimization. Tipalti can be funded in 26 different currencies.
You want to automate the entire accounts payable process from supplier onboarding through to payment reconciliation
Tipalti’s white-label, self-service supplier portal guides suppliers through choosing their preferred payment method. It collects banking details, which are automatically validated against 26,000 global banking rules to reduce payment errors by up to 66%.
The portal is accessible 24/7 for suppliers to check on payment status, and proactive payment communications are also distributed, reducing the time your team spends handling payment inquiries.
Tipalti also allows you to pay your suppliers earlier than their due date to capture early payment discounts and to incentivize the adoption of safer, more efficient payment methods with fee-splitting capabilities.
Tipalti offers a guided digital tax form collection process that meets IRS requirements as prescribed by KPMG with over 1,000 validation rules, including TIN matching, to ensure that correct and accurate data has been provided.
Tipalti can also accommodate a wide variety of tax forms. Additionally, for non-US customers, Tipalti offers local and VAT tax ID collection in 49 countries with a built-in tax engine that validates against over 3,000 rules to help prevent ID errors and other issues.
Lastly, Tipalti allows you to seamlessly integrate detailed, accurate transaction and reconciliation reports with your ERP system, accelerating financial close by 25%. Tipalti offers API integrations with major ERPs, including NetSuite, Sage Intacct, QuickBooks Online, and Xero. Tipalti can also integrate with all other ERP solutions, such as Microsoft Dynamics, SAP, Sage, Acumatica, and more, via pre-built connectors using a no-code, drag-and-drop interface.
When to Choose Stampli
You need a low-cost solution
Stampli offers a low-cost solution and flexible contracts with “try before you buy” free trials, as well as month-to-month contracts with no commitment terms. It charges fixed monthly fees that include a set # of invoices and users. However, there can be hidden costs when working with Stampli
- Each approver requires a user license and is charged an additional fee if above your user allotment – there is no ability to approve invoices directly from emails
- Stampli’s payment module is an additional monthly fee (in addition to per-transaction pricing)
- Stampli charges a monthly integration fee that varies based on API or file-based syncs
Consider value for money and ROI beyond the sticker price. Make sure you are getting a scalable solution that you will not need to rip and replace down the line as your payables’ workloads grow in volume and complexity.
You run a small business with simple AP needs
Stampli is suitable for SMBs with simple AP workflows. Stampli’s OCR technology only captures the invoice’s header-level information for invoice processing. It does not capture line-level details, and it does not provide managed services to augment invoice data capture.
The Stampli solution also lacks procurement capabilities. Tipalti offers an integrated procurement and payable solution that helps streamline company purchases, improve spend controls, and reduce AP processing time.
While Stampli allows you to collect, track, and manage tax forms and other vendor documents, its tax capabilities are less robust than Tipalti’s. Stampli does not support tax data validations, tax preparation reports with auto-calculated withholdings, or end-of-year eFiling integrations / eFiling services with the IRS.
These gaps lead to more time spent on manual processes or the need to invest in additional solutions outside of Stampli.
You need to get set up quickly
Stampli offers aggressive implementation timelines and claims it can have you up and running in a matter of days. However, we suggest you don’t rush implementation. AP solutions can help you improve your business operations, but only when set up correctly. You can’t get ERP sync wrong—it’s a lot of work to troubleshoot and fix sync issues.
If immediate setup is a priority, Tipalti can create a supplier portal instance and set up invoice collection and payment in one day. Later, we can map customers’ workflows, GL codes, ERP setup, test cases, and vendor onboarding.
Generally, we can get customers live in 2-weeks if the customer is ready to do so, we do this with a “white glove” service where customers have a dedicated implementation manager, customer success manager, and supplier enablement program for vendor onboarding that takes a lot of burden off the customer and to ensure a successful ERP sync to avoid future sync errors.
Four Signs It’s Time to Upgrade to Tipalti
Stampli is designed to help small businesses pay suppliers and perform lightweight bookkeeping. Its solution limitations begin to show once your business starts to grow.
Here are four reasons you may want to consider upgrading to Tipalti:
1. You Need to Streamline Global Supplier Payments
Tipalti can send payments to 200+ countries in 130+ local currencies via global ACH, wire, PayPal, and more.
2. The Volume of Payments is Overwhelming
Are you processing hundreds of payments at a time? Then, you need a flexible AP automation solution that efficiently scales with your business. Tipalti offers pre-built integrations that automatically synchronize and reconcile ERP and accounting systems.
3. Your Business Needs Better Financial Controls
As you grow and add more people to the team, there is a need for financial controls over cash flow. The payment lifecycle must be audited regularly. Tipalti boasts enterprise-level financial controls that include built-in bill and supplier audit trails. It also automates reporting to support audit preparedness.
4. Your Reconciliation Challenges are Increasing by the Minute
Tipalti consolidates payment remittance results into custom reports for quicker and more accurate payment reconciliation and a faster financial close.
Save Time and Money with Accounts Payable Automation
Our in-depth survey of global AP teams found that nearly 50% of all respondents spend over five days each month processing invoices manually. That’s a lot of time wasted!
Adding accounts payable automation technology to your workflow allows teams to spend less time on manual data entry and more resources on business strategy and growth.
When comparing the benefits of Tipalti vs. Stampli, consider your business’s short—and long-term needs. If you plan to expand and work with more suppliers in the future, Tipalti’s automated AP solution is your answer. It enables a company to scale rapidly while enhancing visibility and strengthening financial controls.
Ready to Switch from Stampli? Scale Smarter with Tipalti
See how Tipalti helps finance leaders eliminate manual payables, increase global reach, and confidently scale.
