Ramp vs Coupa vs Stampli: Comparing top P2P and AP solutions

Using multiple software platforms to manage procurement and accounts payable (AP) creates hidden costs that go beyond subscription fees alone. Finance teams end up juggling separate tools for purchasing and payments, often with custom enterprise resource planning (ERP) integrations.

While each platform may work well independently, together they create gaps that require additional solutions or manual processes. The real challenge is finding a platform that connects procurement and AP without forcing a complete workflow rebuild or requiring months of implementation time.

Ramp, Coupa, and Stampli take three very different approaches to procure-to-pay (P2P). While each has strengths, only Stampli truly connects every dot in your purchasing workflow, eliminating hidden operational costs and expensive workarounds.

The comparison: Ramp vs Coupa vs Stampli

Ramp, Coupa, and Stampli are all popular spend management platforms. Yet each offers AP and P2P capabilities in varying degrees.

What is Ramp?

Ramp started as a corporate card company focused mainly on spend control. It later added AP features to create an intake-to-pay solution. Yet its core strength remains card-first expense management — with automated controls and categorization.

While Ramp is good at preventing out-of-policy spending via card controls, its AP automation feels like an afterthought. This can cause companies to seek out additional tools to handle complex invoice processing, advanced approval workflows, and sophisticated vendor management.

What is Coupa?

Coupa is an enterprise procurement platform built for strategic sourcing and supplier management. With access to over 10 million suppliers and comprehensive procurement capabilities, Coupa’s strength lies in managing the purchasing process. This includes sourcing, contracts, and procurement workflows for large enterprises.

However, Coupa creates a handoff gap with AP automation. The platform’s invoice processing capabilities are secondary to its core procurement focus. This can lead organizations to look for third-party AP solutions that can handle the complete P2P process.

What is Stampli?

Stampli is an industry leader in AP automation and the only true end-to-end P2P platform built to eliminate handoff gaps. Unlike point solutions that excel in one area, Stampli seamlessly connects every step of the P2P process.

In addition to bridging procurement and AP, Stampli offers 70+ ERP integrations. This eliminates the need for custom development, manual workarounds, or completely rebuilding existing processes. Plus, Stampli’s AI-powered Billy the Bot learns and automates your workflows, helping your finance team work smarter

Ramp vs Coupa vs Stampli: Key features and capabilities

Here’s how each platform handles the core P2P functions finance teams use every day.

Ramp features and capabilities

Ramp’s features support the platform’s card-first expense tracking and spending controls. The platform offers:

• Corporate cards with spending controls that prevent out-of-policy purchases before they happen
• Procurement intake forms that capture basic information but stop short of true workflow customization
• Purchase order (PO) creation and simple one-to-one matching that can break down when you introduce complex scenarios
• Three-way matching with basic logic that gets tripped up when handling dropship scenarios, partial receipts, or general ledger (GL) splits
• AI-powered invoice processing that extracts basic data but lacks understanding of nuanced formats or exceptions
• ERP integrations limited to daily updates rather than real-time sync, creating reconciliation gaps
• Basic approval workflows that can’t accommodate the routing complexity most organizations need for post-purchase processing

Coupa features and capabilities

Coupa has sourcing and supplier management features, with limited capabilities for AP automation. The platform offers:

• Strategic procurement tools that have access to 10+ million suppliers but require complex implementation requirements
• Advanced sourcing features like competitive bidding, contract management, and supplier discovery that require extensive setup and training
• PO creation with supplier catalogs and punchouts designed for enterprise procurement
• Spend analytics and reporting that provide visibility into procurement performance
• AI-powered procurement workflows that automate enterprise buying processes but create handoff gaps when transitioning to AP
• Supplier collaboration tools for performance monitoring, risk management, and compliance across large vendor networks
• Invoice processing capabilities that are secondary to the platform’s procurement focus and lack the collaborative approach needed for daily AP operations

Stampli features and capabilities

Stampli has a complete suite of P2P and AP automation tools that connect the entire purchasing lifecycle. The procurement software offers:

• 70+ ERP integrations, including two-way sync with Sage, Oracle, QuickBooks, NetSuite, SAP, and other leading ERP systems
• Billy, Stampli’s AI copilot, which automates AP and P2P processes with more than a decade of proven experience
• Seamless procurement-to-AP handoff with no gaps, manual interventions, or disconnected systems requiring additional tools
• Stampli Cognitive AI™ can think through problems like a human, allowing it to match POs far better than any other solution
• Invoice processing that centralizes all conversations, documents, and decisions for complete audit trails and faster approvals
• Automated vendor onboarding with customizable forms and self-service portals that connect procurement and AP vendor management
• Stampli Direct Pay for consolidated payments including ACH, check, wire transfer, and Card Payments — all integrated into the P2P workflow

Pricing and value proposition

When evaluating P2P pricing, look beyond the sticker price to understand the total cost of ownership. Consider whether the product is sold as a complete suite or as separate modules, how many users the plan supports, and implementation complexity.

Here’s what to expect from Ramp, Coupa, and Stampli pricing.

Ramp pricing

Ramp advertises a free plan that includes unlimited corporate cards and basic AP features. But key capabilities like advanced workflows, procurement tools, and ERP customization are locked behind paid tiers. As your needs grow beyond basic card management and entry-level pricing, costs escalate quickly.

Ramp’s inflexible workflows force your team to adapt processes to the platform rather than it adapting to you. Instead of providing true efficiency gains, Ramp requires manual workarounds and additional tools that offset any initial cost savings.

Coupa pricing

Coupa uses a custom subscription model with pricing based on the modules and number of seats your organization needs. As an enterprise platform, Coupa doesn’t publish pricing publicly.

However, the platform’s true cost extends beyond the subscription fee. Implementation can require extensive workflow customization and significant IT resources. These hidden costs can multiply your initial investment, making Coupa’s total cost of ownership higher than the quoted platform price.

Stampli pricing

Stampli provides straightforward monthly or annual plans with custom pricing based on your specific needs. All plans include full P2P functionality with unlimited users, entities, and vendors — eliminating the surprise of per-seat fees as your team grows.

Stampli’s ERP integrations, flexible workflows, and implementation support allow teams to go live in weeks. With Stampli, what you see is what you get — no hidden fees, no locked features, and no expensive customization projects.

Why Stampli is #1 in P2P automation

Stampli stands apart from Ramp and Coupa by delivering what finance teams actually need — a complete P2P solution that eliminates gaps between systems, adapts to your processes, and provides true AP automation.

The AP and P2P automation your business needs

Many expense management software platforms excel at either procurement or AP but struggle to connect both. This leads to incomplete solutions.

Stampli connects every dot in your purchasing workflow. From initial purchase requests to final payment reconciliation, everything happens in one unified system. Unlike point solutions that create gaps between procurement and AP, Stampli handles every step in the lifecycle.

Customers say, “What I appreciate most about Stampli is its AP-first approach, which streamlines the entire accounts payable process by integrating communications, documentation, and workflows into a single platform.”

The technical capabilities that matter

True end-to-end P2P automation requires sophisticated technology that handles complex scenarios or needs multiple point solutions to bridge functionality.

Stampli’s real-time ERP synchronization keeps your data current across systems, eliminating the reconciliation issues that come from delayed updates. And the platform’s AI-powered Billy the Bot has processed over $90 billion in annual spend, giving it extensive experience with diverse invoice formats and coding requirements.

Customers say, “We process over 1,000 invoices a month where each had to be manually added to our ERP system which would take our staff days. Stampli has been able to reduce this entry time to a fraction of what it was — hours. This has freed up our staff’s time to work on other areas of our business.”

The impact of implementation on your team

True end-to-end P2P platforms should adapt to your workflows and enhance productivity immediately, not force expensive process rebuilding or create new operational burdens.

Stampli implements in weeks rather than months because it works with your existing ERP configurations and workflows. The platform doesn’t require you to rebuild established approval processes or vendor relationships.

Customers say, “The implementation was a very easy process and customer support walked us through each step necessary to ‘go live.’ We process thousands of invoices monthly without hiccups, and it has cut down on employees having to request information from the finance department.”

The support you can count on

Reliable customer support makes the difference between smooth operations and ongoing frustration with your P2P platform, especially when you need expert guidance for complex AP scenarios.

Stampli customers consistently praise their support experience. Compared to Coupa and Ramp, G2 reviewers rate Stampli’s customer support highest.

Stampli customers say, “Customer support in this process has been outstanding. Each time we have reached out to customer support, they have been quick to resolve our problems. We are able to more accurately and timely record our AP expenses and the approval process has saved us a lot of time.”

Coupa vs Ramp vs Stampli: When to choose each platform

Understand each platform’s strengths and limitations to choose the solution that best meets your organization’s specific needs and priorities.

When to choose Ramp

Ramp might make sense if you primarily need corporate card management with basic AP features as a secondary consideration. The platform works best for organizations where spend control through cards is the main priority.

Ramp’s free plan includes unlimited corporate cards with company spend controls and automated expense categorization. If your AP volume is low and your workflows are simple enough to fit the platform’s rigid structure, Ramp might be enough. But keep in mind that as you grow, you may need expensive workarounds.

When to choose Coupa

Coupa is a decent choice for large enterprises primarily concerned with sourcing and supplier management. It works for organizations with complex procurement needs, dedicated implementation teams, and the resources to handle extensive customization projects.

Between the platform’s 10+ million supplier network, advanced sourcing tools, and supply chain capabilities, Coupa is for organizations that need a robust procurement and spend management solution. If you have the time, budget, and expertise for a lengthy implementation, the investment and complexity may be worthwhile.

When to choose Stampli

Stampli is the ideal choice for organizations of all sizes:

• For SMBs, Stampli Edge provides AP automation that scales with your business. From end-to-end invoice processing, centralized approver communications, and audit trails, Stampli helps SMBs automate AP and focus on growth.
• For mid-market and enterprise organizations, Stampli delivers AP automation and P2P functionality that connects every dot of the procurement workflow, from request to reconciliation. Between deep ERP integrations, adaptive workflows, and Cognitive AI™, Stampli offers control and visibility from procurement to AP to vendor management. 

When you want to implement in weeks instead of months and eliminate gaps between procurement and AP, Stampli is a smart choice.

Stampli: The clear choice for P2P automation

Stampli’s complete P2P solution delivers what Ramp and Coupa promise but can’t provide — true end-to-end P2P automation that connects every step without gaps, workarounds, or forced changes.

The results speak for themselves. Companies like LTC Ally use Stampli to manage accounting services for over 400 skilled nursing facilities while onboarding up to 30 new facilities each month. As the Partner/VP of Finance at LTC Ally explains, “Stampli enabled us to grow without proportionally increasing our staff” while maintaining visibility and spend control.

With 70+ ERP integrations, real-time data sync, and 97-100% invoice matching accuracy, Stampli eliminates the integration headaches and manual interventions common with other solutions. This way, your team can focus on strategic work instead of wrestling with platform limitations or waiting months for customizations.

Ready to see how Stampli can transform your procurement operations? Schedule a demo today and discover why finance teams choose Stampli for complete AP and P2P automation.