Softwr

Accounting · head to head

Carta vs Stampli

Carta logo

Carta

Accounting

Cap table, equity and 409A valuation software built around United States private company practice

From
$29/month
Rated
-
Full reviewWebsite
Stampli logo

Stampli

Accounting

AI-powered accounts payable automation

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Carta pricing scales with the number of stakeholders on the cap table, so a company that grants options broadly pays a rising annual fee for employees and small angels who sign in once a year, and the cost keeps climbing after the round that justified it is spent.; Stampli no transparent pricing published; quote-based model required
  • They diverge on capability: Carta covers Cap table of record, Stampli covers AI invoice processing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Carta and Stampli actually diverge.

Attributes where Carta and Stampli differ
AttributeCartaStampli
Founded20122014

Identical on both: starting price ($29/month), pricing model (subscription), free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Carta

  • Cap table of record
  • 409A valuations
  • Electronic issuance
  • Vesting and exercise
  • Employee portal
  • Scenario modelling
  • Waterfall analysis
  • ASC 718 expense reporting

Only in Stampli

  • AI invoice processing
  • Approval workflows
  • Vendor management
  • Payment processing
  • Audit trails
  • NetSuite
  • Sage Intacct
  • QuickBooks

What people use each for

The jobs each tool is most often brought in to do.

Carta

  • A startup that has just closed a priced round and whose investors and counsel expect the cap table to live somewhere they can read itnot Stampli
  • A company issuing options to employees for the first time and needing a defensible 409A before it can set a strike pricenot Stampli
  • A finance team preparing its first audit and needing ASC 718 stock compensation schedules that tie to the grant recordsnot Stampli
  • A venture fund that wants LP reporting, capital calls and SPV administration handled outside a spreadsheetnot Stampli

Stampli

  • Accounts payable automationnot Carta
  • Invoice processing and capturenot Carta
  • Vendor managementnot Carta
  • Expense management and procurementnot Carta

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Carta

  • Pricing scales with the number of stakeholders on the cap table, so a company that grants options broadly pays a rising annual fee for employees and small angels who sign in once a year, and the cost keeps climbing after the round that justified it is spent.
  • The cap table is a legal record assembled from years of board consents, so migrating to another provider means re-entering historical transactions and having counsel confirm the rebuilt table matches the signed documents, which is why most companies stay whatever they think of the service.
  • The product is built around United States company law and tax practice, Delaware entities, 409A and ASC 718, so a company incorporated in the United Kingdom, Europe or elsewhere gets a record keeping tool while the valuation and compliance features that carry the price are of limited or no use.
  • 409A valuations are delivered on a cadence and require a refresh after each material event or every twelve months, so a company that raises or changes materially is repeatedly back in a valuation process with fees and turnaround time attached, and a late valuation blocks option issuance.
  • Carta drew sustained criticism in 2024 over how customer cap table data intersected with its secondary trading business, and although it exited that activity the episode is a live reason to check what a vendor holding your ownership record is permitted to do with it.

Stampli

  • No transparent pricing published; quote-based model required
  • Specific pricing for individual modules or add-ons not available on pricing page
  • Cost varies based on invoice volume, complexity, and customization needs

Pricing, plan by plan

Carta

$29/month
  • LaunchFree
    • Cap table
    • Stakeholder management
  • Seed$360/year
    • 409A valuations
    • Option exercising
    • Scenarios

Stampli

$29/month
  • Essential$undefined/month
    • Invoice processing
    • Basic approvals
    • Email notifications
  • Professional$undefined/month
    • AI-powered coding
    • Advanced workflows
    • ERP integrations
  • Enterprise$undefined/month
    • Custom workflows
    • API access
    • Dedicated support

Which should you pick?

Choose Carta if

  • You need cap table of record.
  • You work on Web, Ios, Android.
  • You also want 409a valuations.
Carta review

Choose Stampli if

  • You need ai invoice processing.
  • You work on Web, Ios, Android.
  • You also want approval workflows.
Stampli review

Questions people ask

Is Carta or Stampli better?
Neither clearly leads. Carta starts at $29/month and Stampli at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Carta or Stampli?
Carta starts at $29/month and Stampli at $29/month.
Does Carta or Stampli run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
What is Carta best used for?
Carta is most often used for a startup that has just closed a priced round and whose investors and counsel expect the cap table to live somewhere they can read it, a company issuing options to employees for the first time and needing a defensible 409a before it can set a strike price, a finance team preparing its first audit and needing asc 718 stock compensation schedules that tie to the grant records, a venture fund that wants lp reporting, capital calls and spv administration handled outside a spreadsheet. Of those, a startup that has just closed a priced round and whose investors and counsel expect the cap table to live somewhere they can read it and a company issuing options to employees for the first time and needing a defensible 409a before it can set a strike price are not what Stampli is typically brought in for.
What can Carta do that Stampli cannot?
Carta covers Cap table of record, 409A valuations, Electronic issuance, Vesting and exercise. Stampli covers AI invoice processing, Approval workflows, Vendor management, Payment processing.

Answered from the vendors’ own pages

Carta: Do I need Carta before I have employees with options?

No. Before options exist a spreadsheet reviewed by your lawyer is usually enough. The pressure to move normally comes at a priced round, or the first time you need a 409A to set a strike price.

Stampli: What does Stampli cost?

Stampli does not publish fixed pricing. The company uses a custom quote-based model. Visitors are directed to 'Request a Quote' and meet with an AP expert to discuss pricing based on their specific invoice volume and requirements.

Source
Carta: Is the 409A included in the subscription?

The subscription tiers bundle valuations differently and refreshes after material events can carry additional cost. Check what triggers a chargeable revaluation before you sign, because raising a round is exactly the moment you will need one.

Stampli: What is included in Stampli's standard offering?

Stampli's core accounts payable solution includes unlimited invoice capture, entities/locations, vendors, and PO matching; automated processing via Stampli Cognitive AI; 12 pre-built reports; interactive dashboards; a dedicated Customer Success Manager; and support with under 90-second response time.

Source
Carta: Can my accountant get the stock compensation numbers out of it?

Yes, it produces ASC 718 expense schedules and exports. If your accounts are prepared under a different framework, expect the schedules to be a starting point that your accountant reworks rather than something they post directly.

Stampli: How long does it take to implement Stampli?

Stampli uses a 'fulfillment-first' implementation approach and deploys in weeks versus competitors requiring months or longer.

Source
Carta: Is it useful for a company outside the United States?

It can hold the share register and grants, and it does support some non United States structures. The 409A and United States tax workflow will not apply to you, so weigh it against local alternatives that understand your filings.

Stampli: What add-on modules are available with Stampli?

Optional modules include Procurement, Direct Pay functionality, credit card programs, advanced vendor management, and expense management. Pricing for add-ons requires requesting a custom quote.

Source
Carta: How hard is it to leave?

Harder than the export button suggests. You can export the data, but the receiving system has to reproduce every historical grant, cancellation and transfer, and someone has to verify the result against the original signed consents.

Carta: Who normally pays for it, the company or the investors?

The company, even though investors and counsel are frequent users. That is the usual complaint about the pricing model: the party paying is not the only party benefiting.

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