Ramp vs Stampli

Side-by-side comparison of features, pricing, and ratings

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At a glance

DimensionRampStampli
PricingFree (interchange-based revenue model)Contact sales (likely per-invoice or subscription)
Best forMid-market to enterprise wanting all-in-one spend control (cards, AP, travel)Mid-market to enterprise with complex ERPs (SAP, Oracle, Microsoft)
Core modulesSpend management (cards, expense, AP, travel, procurement)Procure-to-pay (procurement, AP, vendor management, payments, cards)
AI capabilitiesFour AI agents for AP, AI expense coding (90% accuracy), OCR (99% accuracy)Stampli AI automates 87% of finance work across 2700+ fields
IntegrationsNative to QuickBooks, Xero, NetSuite, Sage, Workday, OracleDeep ERP integration (SAP, Oracle, Microsoft, Sage, NetSuite, QuickBooks)
Not forBusinesses wanting fixed fees or minimal need for corporate cards/APVery small businesses (<50 invoices/mo) or teams without supported ERP

If you need a deep, native procure-to-pay suite that mirrors your ERP (especially SAP or Microsoft Dynamics) and handles complex multi-entity workflows, Stampli is the winner. If you want a free, all-in-one spend platform with corporate cards, AI AP, and travel in a single system (and you’re okay with interchange-based pricing), Ramp offers faster deployment and broader modern features. Choose based on ERP depth (Stampli) vs. breadth of spend management (Ramp).

Try RampTry Stampli
Ramp
Ramp

AI spend management platform unifying cards, expenses, AP, travel & procurement.

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Stampli
Stampli

Procure-to-pay automation that handles 87% of finance work across 2,700+ fields.

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Pricing
Freemium
Contact Sales
Plans
$0/mo/user
$15/user/mo + platform fee
Custom (annual billing)
—
Popularity
4.3k views
5.8k views
Skill Level
Beginner-friendly
Intermediate
API Available
Platforms
WebMobileAPI
WebAPI
Categories
💼 Business & Finance
💼 Business & Finance
Features
Unlimited physical and virtual Visa cards with custom controls
Auto-receipt capture via SMS, Slack, Teams, or mobile app
AI-powered expense coding with 90% accuracy
Four AI agents for AP: auto-coding, fraud prevention, approval routing, automatic payment
OCR invoice extraction with 99% accuracy
Two-way and three-way matching against POs and receipts
Travel policy enforcement at booking time
Automatic hotel rebooking when prices drop $50+
Per diem adjustment by location and duration
Procurement AI parses contracts and screenshots for auto-population
Dynamic approval routing with parallel workflows
Real-time spend controls blocking out-of-policy transactions
Native accounting integrations with NetSuite, QuickBooks, Xero, Sage Intacct, Workday
FDIC-insured business bank account with no fees
Investment account option with next-day liquidity
AI-powered invoice coding across 2,700+ fields
Duplicate invoice detection and risk signals
Secure vendor onboarding with payment-detail change reviews
ERP-validated payment execution with guardrails
Stampli Card for corporate card spend control
Stampli Direct Pay for ACH/check payments with reconciliation
Stampli Expenses for expense data collection and approvals
Pre-built AP dashboards and reporting visualizations
Immutable audit trail for compliance
Customizable P2P workflows (centralized or decentralized)
Real-time transaction visibility and budget enforcement
Multi-ERP support without development overhead
Seamless deployment in weeks
Vendor compliance enforcement before invoices or payments proceed
International payments with competitive FX rates
Integrations
QuickBooks Online
Xero
NetSuite
Sage Intacct
Workday
Oracle
Slack
Microsoft Teams
Microsoft Dynamics 365 Business Central
Microsoft Dynamics 365 Finance
Microsoft Dynamics GP
Oracle Fusion
Oracle NetSuite
Sage Intacct Construction
Sage 100
SAP ECC
SAP S/4HANA
Acumatica
Dealertrack DMS
QuickBooks Desktop
Blackbaud Financial Edge NXT

Feature-by-feature

Stampli focuses on procure-to-pay with deep ERP integration. It automates invoice coding and matching using Stampli AI, which performs 87% of finance work across 2700+ fields. Features include procurement request management with budget controls, secure vendor onboarding, payment execution with ERP validation, and a Stampli Card for upfront spend control. The platform embeds directly into ERPs like SAP, Oracle, Microsoft Dynamics, and Sage Intacct, supporting complex multi-entity workflows with an immutable audit trail. In contrast, Ramp offers a broader suite: unlimited physical/virtual Visa cards with up to 5% cashback, AI-powered expense coding (90% accuracy), four AI agents for accounts payable (auto-coding, fraud prevention, approval routing, automatic payment), travel policy enforcement with automatic hotel rebooking, and procurement AI that parses contracts. Ramp integrates with QuickBooks, Xero, NetSuite, Sage, Workday, and Oracle, but lacks the deep ERP mirroring of Stampli. Ramp’s strengths lie in real-time spend controls, OCR invoice extraction (99% accuracy), and dynamic approval routing. Stampli excels in procurement and AP automation within complex ERP environments, while Ramp provides a unified platform for card, expense, AP, and travel management.

Pricing compared

Stampli uses a contact-sales pricing model, typical for enterprise P2P platforms, likely based on invoice volume or subscription tiers. Ramp operates on a freemium model with no monthly fees; its revenue comes from interchange fees on card transactions. This makes Ramp appealing for companies with high transaction volumes that want to avoid fixed costs. Stampli’s pricing is opaque and may be higher for smaller businesses, but for mid-market and enterprise with complex ERP needs, the investment can be justified by deep automation. Ramp’s free tier and cashback can be cost-effective, but businesses that don’t use corporate cards heavily or prefer predictable pricing may find Stampli’s model more transparent. Both platforms require commitment to their ecosystems.

Who should pick which

  • Enterprise finance team with SAP S/4HANA
    Pick: Stampli

    Stampli offers deep native integration with SAP and Oracle, embedding directly into the ERP for invoice coding, matching, and payment validation with audit trails.

  • Mid-market company wanting to consolidate cards, AP, and travel
    Pick: Ramp

    Ramp provides a single platform for corporate cards with up to 5% cashback, AI AP automation, and travel policy enforcement, all with no monthly fees.

  • Finance controller at a multi-entity organization using NetSuite
    Pick: Stampli

    Stampli supports complex multi-entity workflows and mirrors NetSuite, automating procurement and AP across entities with budget controls.

  • Startup scaling with 100+ invoices/month, using QuickBooks
    Pick: Ramp

    Ramp integrates with QuickBooks and offers free AP automation with AI coding, fraud prevention, and OCR, perfect for growing businesses needing cost control.

  • Company with strict compliance requiring immutable audit trails
    Pick: Stampli

    Stampli provides an immutable audit trail for every action, essential for regulated industries and auditors.

Frequently Asked Questions

Which platform has deeper ERP integration?

Stampli. It supports SAP, Oracle, Microsoft Dynamics, Sage, NetSuite, and QuickBooks with embedded functionality mirroring the ERP.

Does Ramp offer procure-to-pay automation?

Ramp includes procurement AI that parses contracts and screenshots, but its core is spend management (cards, AP, travel). Stampli has full procure-to-pay.

Which is cheaper for small businesses?

Ramp is free (no subscription fees) and suitable for small to mid-size businesses. Stampli likely has costs that scale with usage.

Can Stampli handle corporate cards?

Yes, Stampli offers the Stampli Card for upfront spend control, but it’s not as comprehensive as Ramp’s unlimited virtual/physical cards with cashback.

Which platform has better AI for AP?

Ramp advertises four AI agents (coding, fraud, approval, payment) with OCR at 99% accuracy. Stampli claims 87% automation across 2700+ fields.

Do either support travel management?

Only Ramp includes travel booking with policy enforcement and automatic hotel rebooking. Stampli focuses on procurement and AP.

Which is better for multi-entity companies?

Stampli is built for multi-entity workflows with ERP mirroring. Ramp supports multi-entity but may lack the same depth.

What are the integration limitations?

Stampli integrates deeply with major ERPs but may not support custom APIs. Ramp integrates with top ERPs but not as deeply; no custom API mentioned.

Explore each tool further

Ramp
View Ramp reviewRamp alternatives
Stampli
View Stampli reviewStampli alternatives

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