BILL vs Stampli (2026): which should you pick?

Pick BILL if

• Fits if you pay lots of supplier bills by ACH or check and want them approved before money goes out
• Works for accounting firms running bill pay for several clients

Look elsewhere if

• Pricey if you're a small team, as every Essentials user pays $49 a month and each ACH payment $0.59
• Skip it if you want automatic QuickBooks or Xero sync without paying $65 a user for Team
• Tight if you pay bills by card often, since that costs 2.9% a payment
• Watch out: mailed checks are $1.99 each and USD wires abroad $19.99, on every plan
• Watch out: the billing term isn't stated, the trial is offered only in most cases, and NetSuite needs Enterprise

Pick Stampli if

• Fits if your ERP is on its list and invoices pile up for approval
• Works for finance teams that want the conversation kept on each invoice

Look elsewhere if

• Pricey if you can't see a price, as the page leads to a quote request
• Too light for expenses on their own, as cards and expenses sit beyond the AP product
• Tight if you want a trial, as none is listed
• Watch out: it needs an ERP, so check yours is on the integrations list

BILL

• Payments carry fees on every plan: $0.59 per ACH payment, $1.99 per mailed check, $19.99 per USD wire abroad, and 2.9% to pay a bill by card.
• The Essentials plan exchanges data with QuickBooks and Xero only by CSV file; automatic two-way sync starts on Team, and NetSuite or Sage Intacct needs Enterprise.
• Spend & Expense is provided by Divvy Pay LLC, the Divvy Card is issued by its bank partners, and credit lines depend on approval.
• Every Essentials and Team user pays the full seat price; cheaper approver-only seats come with Corporate and Enterprise.

Stampli

• No prices are published; the pricing page leads to a quote request.
• Stampli's pricing page says AP plans include unlimited entities, vendors and a customer success manager.
• Procurement, direct pay, credit card and advanced vendor management sit beyond the AP product.
• It is built to work with an ERP, so check that yours is on the integrations list.

BILL

Accounts payable

Bills arrive in one inbox, are routed through approval rules and are paid by ACH, check, virtual card or card, with W-9s collected by an agent.

Invoices and receivables

Send one-off or recurring invoices, chase them with automatic reminders, and get paid by ACH or card with auto-charge and auto-pay.

Spend & Expense with the Divvy Card

Corporate cards with budgets and spending rules. Receipts are captured by photo or text message and matched to transactions.

International payments

Pay suppliers in more than 130 countries, in their local currency with no BILL fee beyond the exchange rate, or by USD wire.

AI bill coding

From the Team plan, the Invoice Coding Agent fills in line-by-line accounting codes on incoming bills.

Procurement

Purchase requests, purchase orders, tolerance rules and 2-way matching, included on Corporate and an add-on below it.

Stampli

Accounts payable automation

Invoice capture with unlimited entities, locations and vendors, plus semi-automated 2-3 way PO matching on every plan.

Billy, the AI assistant

Stampli says Billy can fully automate matching and handle much of the routine invoice work.

Payments

Domestic check and ACH, global ACH and wire, and virtual cards from one place.

Procurement

Request types, purchase orders created in Stampli or exported to the ERP, budget controls and preferred items.

Cards and expenses

Virtual or physical Stampli cards, expense management and reimbursements.

BILL

• Spend & Expense$0

  BILL Divvy Card, budgets, receipt capture, reimbursements and credit lines from $1,000 to $5M, subject to approval.

• Essentials$49

  per user / month, billing term not stated

  Bill entry and approvals, payments by ACH, card or check, invoicing, W-9 collection. Syncs with accounting software by CSV only.

• Team$65

  per user / month, billing term not stated

  Adds automatic two-way sync with QuickBooks and Xero, AI bill coding, custom user roles and cash flow forecasting.

• Corporate$89

  per user / month, billing term not stated

  Adds custom approval policies, purchase orders and requests, cheaper approver-only users, single sign-on and multi-entity books.

• EnterpriseCustom

  Adds sync with NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise, 2- and 3-way matching, dual control and premium phone support.

Stampli

Pricing could not be confirmed. See stampli.com.