Coupa vs Concur vs Stampli: Procure-to-pay solutions compared

Across industries, procurement teams struggle with the same fundamental challenges — disconnected processes that force manual workarounds, require scattered conversations, and result in limited visibility into organizational spending. Complete procure-to-pay (P2P) solutions address these issues by connecting workflows, automating processes, and providing real-time insights into financial operations.

Yet choosing P2P software with the right features, capabilities, and pricing isn’t always easy. In this article, we’ll compare three of the best options: SAP Concur vs Coupa vs Stampli. We’ll analyze their features, use cases, and pricing to help you make an informed decision for your team.

The comparison: Coupa vs Concur vs Stampli

The best P2P solutions streamline both procurement and accounts payable (AP). They offer visibility across the entire purchasing cycle, automate manual tasks, and integrate accounting and enterprise resource planning (ERP) systems.

Stampli, SAP Concur, and Coupa are all popular expense management software platforms with powerful AP and P2P features. Here’s a closer look at each solution.

What is Stampli?

Launched in 2015, Stampli is the only procure-to-pay software platform that connects every dot throughout the procurement process. It’s designed to simplify the entire purchasing cycle, from the initial procurement intake to the final invoice payment.

What is Coupa?

Founded in 2006, Coupa is a business spend management platform designed for controlling direct and indirect spend. It’s a suite of products for P2P, AP automation, sourcing and contract management, and treasury management with rules-based workflows and predictive analytics. Coupa also has products for supply chain design, planning, and collaboration.

What is Concur?

Initially launched in 1993, Concur was acquired by SAP in 2014. Since then, SAP Concur has evolved into a full-featured spend management platform that connects expense management, business travel, and AP automation.

Stampli vs Concur vs Coupa: Key features

The P2P solution you implement should have a robust feature set that connects every element of your organization’s procurement process. Let’s compare SAP Concur, Coupa, and Stampli features.

Stampli key features

Stampli’s feature set transforms the entire procurement cycle with AI-powered automation, native software integrations, and team collaboration tools. The platform simplifies P2P — handling everything from purchase requests and invoice processing to ERP integrations and approval workflows.

Stampli offers:

• Billy, Stampli’s AI, works throughout the entire P2P process, handling invoice coding, verification, and routing. Billy learns from your processes starting from day one.
• Predefined approval workflows that automatically assign invoices based on set criteria, ensuring compliance and reducing manual work.
• Dynamic approval workflows that use AI to learn from your team’s processes and suggest approvers for purchase requests, adapting with your business.
• Integrations with 70+ ERPs and accounting systems including Sage, SAP, Oracle, QuickBooks, Microsoft, and dozens more.This streamlines AP and P2P processes by creating a single source of truth.
• Budget management features that give finance teams real-time visibility into organizational spending, prevent overspending, and turn budget oversight into a proactive system.
• Stampli Direct Pay that automates domestic and international payments and integrates with Stampli’s AP system for faster payment reconciliation and improved productivity.
• Vendor management portal that centralizes documentation and interactions in a single dashboard to reduce compliance risks and build better vendor relationships.

Coupa key features

Coupa’s AI-powered feature set supports procure-to-pay, source-to-contract, AP automation, and cash management. As a complete business spend management platform, Coupa also has supply chain capabilities.

Coupa offers:

• P2P features that handle intake and orchestration, inventory management, and services procurement as well as spend analysis, expense management, and reporting.
• AP automation features that streamline e-invoicing, two- and three-way matching, and real-time spend analytics across the organization.
• Cash management features that offer a big-picture view of your organization’s financial reporting across bank accounts, business units, and subsidiaries to help maintain liquidity.
• Supply chain optimization features that integrate supplier data, build AI-driven models, and run scenarios for more confident decision-making.

Concur key features

SAP Concur’s spend management features connect finance systems across the organization. Together, they automatically track employee expenses, travel costs, and invoice payments. 

Concur offers:

• Concur Expense, which automates expense review, payment, and auditing to streamline budgeting and expense management.
• Concur Travel, which allows employees to book business travel that aligns with organizational policy, reducing your financial risk.
• Concur Invoice, which automates invoice management, provides visibility into supplier spending, and improves compliance.

Pricing

Any P2P software platform you choose should have clear pricing and options for monthly or annual billing. Let’s compare Coupa vs SAP Concur vs Stampli pricing.

Stampli pricing

Stampli offers straightforward monthly and annual plans with custom pricing. All plans have full functionality — including AP and P2P features — along with unlimited users, entities, and vendors. Plus, all Stampli plans include initial onboarding and anytime training as well as a dedicated customer success manager.

Coupa pricing

Coupa doesn’t share pricing information publicly. Customers pay prices tailored to their company size and transaction volume, as well as the specific software modules they need.

Concur pricing

SAP packages each Concur solution separately (Expense, Invoice, Travel & Expense). All three have custom pricing based on factors like company size and monthly expense report volume.

Customer satisfaction

The G2 Satisfaction score reflects real user experiences with each software platform. G2’s ratings measure customer satisfaction on a 10-point scale, breaking down scores by usability, customer support quality, product direction, and other aspects.

Ease of setup, usability, and administration

Compared to Coupa and Concur, customers consider Stampli significantly easier to set up, use, and administer. G2 user reviews rate Stampli 9.3 out of 10 for ease of use, ease of setup, and ease of admin. Both Concur and Coupa score more than a full point lower than Stampli in each of these three categories.

Meets requirements and product direction

When you adopt P2P software, you ideally want it to meet your team’s existing needs and continue to release features that make your job easier. Customers rate Stampli highest for meeting requirements — rating it 9.1 out of 10.

Stampli also has the highest rating for product direction, earning 9.5 out of 10. In comparison, users give an 8.6 to Coupa and a 7.1 to SAP Concur for product direction.

Support quality and ease of doing business

Of the three spend management software platforms, Stampli has the highest user ratings for being a good partner in doing business. It earns a 9.6 out of 10 in this category. Stampli also has the highest score for customer service — earning 9.6 out of 10 for quality of support. This is a full two points higher than Coupa’s 7.6 rating.

Stampli customers say, “The support is first-rate […] If you have questions or issues, the support folks respond quickly and happily, work to understand and resolve issues, and continuously improve the system.”

When to choose Stampli

Stampli is for small and medium businesses (SMBs) looking for a single solution to manage every step of the procurement process. It’s best suited for organizations with complex AP workflows and high-volume procurement teams. It’s also a smart choice for multi-entity and multi-location organizations.

However, Stampli is less suitable for organizations that need spend management capabilities beyond core procurement and AP automation — such as travel management or sourcing across global supply chains.

Consider Stampli when:

You need to connect every part of procurement

The P2P process is known for its disconnected steps. While few procurement software solutions truly connect the entire process, Stampli resolves the handoff gap between AP and procurement, eliminating the need for manual workarounds. As a result, Stampli connects every dot, providing procurement teams with complete visibility and control.

You want to automate AP

Billy, Stampli’s AI learns continuously from your processes without requiring complex configurations. Unlike other solutions that treat AI as an add-on, Stampli’s decade of investment in AI technology means it provides automation that saves labor and streamlines processes instead of creating more work.

Customers say, “Stampli simply solved our AP problem. My experience with their team and product has been exceptional from the introductory sales call through ‘go live,’ adding additional features (Vendor Management, Stampli Pay) and ongoing customer support […] I would enthusiastically recommend Stampli to any business that needs to organize and modernize its AP processes.”

You need rapid implementation

Stampli’s 70+ ERP integrations allow you to adopt the P2P solution without disrupting existing software or processes. These integrations don’t require custom development, so teams can implement Stampli faster while maintaining current workflows.

You need collaborative invoice processing

Stampli is designed to eliminate email chains and accelerate approvals. Its built-in communication tools let AP teams, approvers, and vendors interact on relevant invoices, creating transparency and accountability.

When to choose Coupa

Coupa is mainly for medium and large businesses looking for an all-in-one platform that can handle everything from AP and P2P to sourcing and supply chain. Coupa is positioned for enterprises that want comprehensive spend visibility and benchmarking, with AI layered in for analytics and recommendations.

However, Coupa’s complexity and enterprise focus make it less suitable for organizations that need quick implementation or that want straightforward AP automation without added supply chain or cash management features.

Consider Coupa when:

You need detailed spend management analytics

Coupa’s reporting capabilities go beyond the basics, with predictive insights and industry benchmarks. The platform also provides insights into supplier risk assessments and AI-driven recommendations for cost optimization.

Coupa customers say, “I really like utilizing the analytics section of Coupa. It took awhile to get the hang of, but there is an abundance of categories, filters, etc. to choose from, in order to streamline it for my organization. I’m also able to pull raw data from variants I have built in requests, invoices, suppliers, etc. in order to ensure that my tiles and dashboards have been set up correctly.”

You need to have enterprise-grade sourcing

With its source-to-contract capabilities, Coupa can handle high-value procurement across multiple suppliers. The platform handles reverse auctions, request for proposal (RFP) management, and contract lifecycle management.

When to choose Concur

SAP Concur is primarily for enterprise organizations that need to manage both corporate expenses and employee travel using a single software platform. It’s particularly well-suited for multinational organizations that need to automate travel and expense management while navigating country-specific regulations.

However, it’s important to note that some Concur users mention that the software provides a challenging user experience. Because it’s a complex software suite, implementation timelines can be long, making it less agile for AP and procurement teams.

Consider Concur when:

You need to manage employee business travel

Concur’s travel management capabilities are comprehensive, covering everything from trip planning to expense reconciliation. It offers integrated booking, expense tracking, and compliance monitoring. This leads customers to say SAP Concur has “good centralized management for vendor management and payments.”

You want a mobile solution for expense management

With Concur’s mobile app, users can photograph receipts, track mileage, and submit expenses on the go. This allows real-time expense capture and submission. As Concur customers say, “The mobile app is a great thing, letting me snap a photo of a receipt and upload it instantly, which has saved me countless hours of manual entry.”

Stampli: The first financial operations platform to connect every dot

Stampli offers a comprehensive P2P solution that truly connects every dot from purchase request to reconciliation. By eliminating the disconnected systems and manual workarounds that plague traditional procurement processes, Stampli provides complete visibility into workflows and control over spending.

Billy learns your organization’s unique spending patterns and processes without requiring extensive configuration. This intelligent automation — combined with Stampli’s collaborative approach and rapid implementation capabilities — enables procurement teams to save time, ensure compliance, and reduce errors while maintaining their existing workflows.

Stampli’s AI and automation-powered capabilities have helped companies like Purple achieve 63% faster invoice approvals and document 100% of invoices correctly. For organizations that prioritize seamless integration, proven automation, and collaborative efficiency over complex sourcing features or travel management, Stampli delivers the complete P2P solution.

Want to see how Stampli can streamline your procurement process? Schedule a demo to see Stampli in action.