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Stampli vs Xero

Stampli logo

Stampli

Software

AI-powered accounts payable automation

From
$29/month
Rated
-
Full reviewWebsite
Xero logo

Xero

Software

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Stampli pricing is by quote only: the pricing page publishes no rate, no minimum and no cost driver, offering only a Request a Quote form; Xero the Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • They diverge on capability: Stampli covers AI invoice processing, Xero covers Bank reconciliation.

Where they differ

Only the attributes on which Stampli and Xero actually diverge.

Attributes where Stampli and Xero differ
AttributeStampliXero
Starting price$29/month$13/month
PlatformsWeb, Ios, AndroidWeb, Ios, Android, Api
Founded20142006

Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated), category (Unknown).

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 Stampli

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

Only in Xero

  • Bank reconciliation
  • Invoicing
  • Bill payment
  • Expense claims
  • Financial reporting
  • Inventory tracking
  • Project tracking
  • Mobile apps

What people use each for

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

Stampli

  • Automating accounts payable invoice capture and codingnot Xero
  • Routing invoice approvals with discussion held against each invoicenot Xero
  • Paying suppliers and issuing virtual cards from the AP workflownot Xero

Xero

  • Small business bookkeeping, invoicing and bank reconciliationnot Stampli
  • Bill payment and purchase order managementnot Stampli
  • Sharing books with an accountant or bookkeepernot Stampli

Where each one falls short

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

Stampli

  • Pricing is by quote only: the pricing page publishes no rate, no minimum and no cost driver, offering only a Request a Quote form
  • Payments and card products are sold alongside the core AP automation rather than being separately priced on the public site

Xero

  • The Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • Invoices created by connected app partners count against the Early plan invoice limit
  • Multiple currencies, project time and cost tracking, employee expense and mileage claims and industry benchmarking are restricted to the top Established plan at $90 per month
  • Cash flow forecasting is capped at 30 days on Early and 60 days on Growing, with 180 days only on Established
  • Payroll is not included in any plan and costs an extra $36 a month plus $6 per employee or contractor through Gusto
  • Inventory Plus is a paid optional add-on rather than part of any plan
  • The advertised 90% off applies only to the first 6 months, after which the regular $25, $55 or $90 monthly price auto-renews
  • The introductory discount excludes add-ons, usage charges and payment fees
  • Payment fees apply to online invoice payments and to bill payments other than standard domestic ACH, and are billed on top of the subscription
  • Subscriptions are billed monthly with no annual payment option, and after upgrading you must wait one month before downgrading to a cheaper plan
  • Xero states subscription prices are increasing from October 1, 2026

Pricing, plan by plan

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

Xero

$13/month
  • Early$13/month
    • Send 20 invoices
    • Enter 5 bills
    • Reconcile bank transactions
  • Growing$37/month
    • Unlimited invoices & bills
    • Bulk reconcile transactions
    • Short-term cash flow
  • Established$70/month
    • Everything in Growing
    • Use multiple currencies
    • Track projects

Which should you pick?

Choose Stampli if

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

Choose Xero if

  • You need bank reconciliation.
  • You work on Web, Ios, Android, Api.
  • You also want invoicing.
Xero review

Questions people ask

Is Stampli or Xero better?
Neither clearly leads. Stampli starts at $29/month and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Stampli or Xero?
Stampli starts at $29/month and Xero at $13/month.
Does Stampli or Xero run on more platforms?
Stampli runs on Web, Ios, Android. Xero runs on Web, Ios, Android, Api.
What is Stampli best used for?
Stampli is most often used for automating accounts payable invoice capture and coding, routing invoice approvals with discussion held against each invoice, paying suppliers and issuing virtual cards from the ap workflow. Of those, automating accounts payable invoice capture and coding and routing invoice approvals with discussion held against each invoice are not what Xero is typically brought in for.
What can Stampli do that Xero cannot?
Stampli covers AI invoice processing, Approval workflows, Vendor management, Payment processing. Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.
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