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

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

Pick Zip if

• Fits if purchase requests and approvals are the pain, more than expense claims
• Works for large teams with a procurement function

Look elsewhere if

• Pricey if you can't see a price, as the site only offers a demo
• Too light for expense reports, as it is built for procurement and payments
• Watch out: Vendor Cards and Global Payments are add-ons, not part of the core product
• Watch out: vendor card spend limits, merchant locks and receipt requirements apply to cards issued through the add-on

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.

Zip

• No prices are published; the site only offers a demo request, so the cost cannot be compared here.
• Vendor Cards and Global Payments are listed as add-ons, not as part of the core product.
• Vendor card spend limits, merchant locks and receipt requirements apply to the virtual cards issued through that add-on.

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.

Zip

Purchase request intake

Requests are collected as structured data and routed through approval flows, and that data then fills in purchase orders and invoices.

Procure-to-pay automation

Handles purchase orders, invoice processing and payments in one workflow, with invoice coding based on the request and PO already captured.

AI agents for invoices

Agents answer emails in the AP inbox, extract invoices, code them, flag duplicates and contract mismatches, and route exceptions to the right person.

Payments and vendor cards

The product page cites 79+ international payment rails and virtual cards. Vendor Cards is a separate add-on, issued by Celtic Bank and powered by Stripe.

Integrations and API

A marketplace lists 100+ integrations for ERP, contract and risk tools. Zip also offers REST APIs, flat-file imports and an MCP server.

Stampli

Pricing could not be confirmed. See stampli.com.

Zip

Pricing could not be confirmed. See zip.com.