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

Pick Paymentworks if

• Fits if you want vendors vetted and bank details checked before you pay them
• Works for universities and finance teams worried about payment fraud

Look elsewhere if

• Not for you if you want expense reports or cards, as it covers vendor identity and payment security
• Pricey if you can't see a price, as none is published
• Tight if you want a trial, as only a demo is offered
• Watch out: the indemnification is the vendor's own claim and covers only ACH payments run through PaymentWorks

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

Paymentworks

• No prices are published; the site points to a demo request.
• It covers vendor identity, onboarding and payment security, not employee expense reports or cards.
• The $2M indemnification is the vendor's claim and applies to ACH payments processed through PaymentWorks.

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.

Paymentworks

Automated vendor onboarding

Vendors complete one standardized profile, built on a network the site puts at 1.5M+ authenticated payees, before they enter the ERP.

Bank account verification

The receiving account is confirmed to belong to the payee before an ACH payment sends, and banking changes trigger the same check.

ACH indemnification

PaymentWorks says every customer is covered up to $2M per fraud event on ACH payments it processes, with optional supplemental coverage up to $5M.

Compliance checks

Sanctions checks, continuous monitoring, W-9 and 1099 information and audit trails are listed for vendor compliance.

Electronic payment options

Vendors choose ACH, virtual card or EarlyPay at onboarding, and EarlyPay earns the buyer a rebate when a vendor takes early payment.

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.

Paymentworks

Pricing could not be confirmed. See paymentworks.com.

Stampli

Pricing could not be confirmed. See stampli.com.