The best Stampli competitors and alternatives
Vergo: the top Stampli alternative for coding cards, reimbursements and invoices together
Stampli is built around AP automation, with Stampli Card for expenses. Vergo codes card spend on any card, from any bank, reimbursements and invoices with one model, with deep construction coding.
- Any card, from any bank. Stampli's expense management is built around Stampli-issued cards. Vergo works with any Visa, Mastercard or Amex card, from any bank, with no card switch. Of the alternatives listed here, it is the only one that does: BILL, Ramp, Brex and Spendesk each run on their own cards.
- Job cost coding learned from your books. Vergo codes every transaction to job, phase, cost code and cost type by inference from your company's own accounting history, so field spend lands the way your team already books it.
- One coding model for all spend. Card expenses, employee reimbursements and vendor invoices are coded the same way in one platform, so the GL, job and cost code logic is consistent everywhere.
- Construction ERPs. Vergo connects to Viewpoint Spectrum, Vista, Foundation, Sage 100 Contractor, Sage Intacct Construction and Acumatica, among 376+ accounting systems. Card spend also syncs to PeopleSoft, JD Edwards, Business Central, Oracle E-Business Suite, Dynamics 365 Finance & Operations, SAP Business One, QuickBooks Online and Xero.
- Receipts by text. Employees text a photo of the receipt. No expense report to fill out.
Other Stampli alternatives to consider
BILL Spend & Expense
Best for: Small and midsize businesses already paying vendors through BILL.
BILL Spend & Expense, formerly Divvy, pairs the BILL Divvy card with budgets, expense management and reimbursements, and sits alongside BILL's AP product. The spend software pairs directly with the Divvy card and cannot be used with other corporate cards, so it fits BILL payables customers ready to run their card program on Divvy.
Ramp
Best for: Contractors ready to switch to a new corporate card with AP, travel and procurement built in.
Ramp combines a Visa corporate charge card with expense management, reimbursements and Bill Pay. Ramp for Construction connects to Vista, Spectrum, Sage 100 Contractor, Sage 300 CRE, Sage Intacct Construction, CMiC and Acumatica and tags transactions to job, cost code and phase. Its expense management runs on the Ramp card, and spend on other cards comes in only as employee reimbursements, so it suits contractors ready to change card programs.
Brex
Best for: Venture-backed startups through enterprises that want corporate cards, business banking and expense software from one provider.
Brex offers corporate cards with expense management built in, plus bill pay, travel and business accounts. Its expense workflow runs on Brex cards: spend on other cards enters only as reimbursements, and its card statement upload exists to move vendors onto Brex cards. Direct ERP syncs cover systems such as NetSuite, Sage Intacct, QuickBooks Online and Xero, with CSV export for others.
Spendesk
Best for: European midsize companies, typically 50 to 250 employees, that want cards, invoices and procurement in one tool.
Spendesk combines physical and virtual Visa cards with expense management, invoice processing, procurement and budgets, with automatic categorization and AI bookkeeping suggestions. Integrations include Xero, NetSuite, QuickBooks (US), DATEV, Sage 100 and Business Central. Its spend workflow runs on Spendesk cards, so it suits companies ready to move their card program.
How the Stampli alternatives compare
| Works with any card, from any bank | AI coding | Expense management | AP automation | Reimbursements | ERP integrations | |
|---|---|---|---|---|---|---|
| Vergo | Yes | Learned from your own accounting history | Yes | Yes (capture, code, approve, post to ERP) | Yes | 376+, incl. Vista, Spectrum, Foundation |
| Stampli | Stampli Card (expenses on Stampli-issued cards) | Yes (Billy AI) | Yes | Yes (incl. Direct Pay) | Yes | 70+, incl. Sage Intacct Construction, Acumatica, Vista (file) |
| BILL Spend & Expense | No — BILL Divvy card only | Yes (BILL AI) | Yes | Yes (BILL AP) | Yes | QuickBooks Online, NetSuite, Xero, Sage Intacct, Dynamics |
| Ramp | No — Ramp Visa corporate card only | Yes | Yes | Yes (Bill Pay) | Yes | NetSuite, QuickBooks, Sage, Xero, Vista, Spectrum, CMiC and more |
| Brex | No — Brex card only | AI suggestions | Yes | Yes (bill pay) | Yes | 9 direct syncs on Essentials; CSV export for others |
| Spendesk | No — Spendesk cards only | Automatic categorization | Yes | Yes (invoices) | Yes | Xero, NetSuite, QuickBooks (US), DATEV, Sage 100, Business Central and more |
Switching from Stampli to Vergo
Moving from Stampli to Vergo brings invoice coding together with card expenses and reimbursements under one model learned from your own books. Vergo captures, codes and approves vendor invoices and posts them to your ERP; payment runs through the process you choose from your ERP or bank.
You keep what already works. Your Visa, Mastercard and Amex cards stay in place, with no new card applications, credit checks or bank change. Your ERP stays the system of record: Vergo reads your chart of accounts, jobs and cost codes and posts coded transactions, reimbursements and approved invoices back to it.
What changes is the coding work. Vergo learns from your own accounting history, so transactions arrive coded the way your team already codes them, and employees submit receipts by text message instead of chasing an app. See how it connects on the existing cards page or browse Vergo integrations.
Frequently asked questions
What is the best alternative to Stampli?
Vergo is the best Stampli alternative for companies that want AP automation, expense management and reimbursements coded by one AI model on any card, from any bank. It connects to 376+ accounting systems, including construction ERPs.
Is there a Stampli alternative that works with my existing cards?
Yes. Vergo works with any Visa, Mastercard or Amex card, from any bank, and codes those transactions with the same model it uses for vendor invoices.
What are Stampli's main competitors?
Stampli's main competitors include Vergo, BILL Spend & Expense, Ramp, Brex and Spendesk. Vergo is the pick when you want invoices, card spend and reimbursements coded the same way, on any card, from any bank.
Does Vergo pay invoices like Stampli Direct Pay?
Vergo's AP automation captures, codes and approves vendor invoices and posts them to your ERP, using the same coding model as card expenses and reimbursements. Payment stays in the process you already run from your ERP or bank.
Which Stampli alternative is best for construction companies?
Vergo codes invoices, card expenses and reimbursements to job, phase, cost code and cost type and connects to Viewpoint Spectrum, Vista, Foundation, Sage 100 Contractor, Sage Intacct Construction and Acumatica.
