Stampli vs Zil Money

QuickBooks Online

QuickBooks Enterprise

Xero

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Simplify business admin and get a range of financial insights to help you make better decisions for your business.

Stampli's Accounts Payable solution centers on the AP process to drive efficiency across the procure-to-pay lifecycle — including payments, credit cards, vendor engagement and more.

Document Management

Audit Trail

Expense Tracking

Process/Workflow Automation

ACH Payment Processing

Duplicate Payment Alert

Compliance Management

ERP integration

Mobile Access

Multi-Currency

By industry, Stampli reviewers are most commonly professionals in hospital & health care (21%). The most frequent use case for Stampli cited by reviewers is accounts payable (56% of reviewers).

Users and use cases

The Stampli integrations most frequently cited by reviewers are: Sage Intacct (an accounting product rated 4.7 out of 5 for its integration with Stampli) and NetSuite (an accounting product, 4.8).

Integrations

Stampli is an accounts payable solution with key features that include payment processing, invoice processing, audit trail, accounting, billing and invoicing, and more.

Stampli

Web-based

Windows

iPhone

Android

Basic

AP manager

Delays in payment timelines can create unnecessary administrative follow-up, strain vendor relationships, and limit the ability to reinvest resources promptly into ongoing initiatives.

Fulfillment Manager

It has helped me keep invoice approvals organized, and my Accounting department happy with me because I am approving invoices faster than before.

Controller

Our team can manage a high volume of invoices with less manual work and fewer errors.

Administrator

I like the programs ability to detect duplicate invoices as well as to be able to quickly find old invoices using several different methods depending on what information you have available.

Chief Growth Officer

The platform aggregates information and minimizes telephone calls and emails while, at the same time, record-keeping the dialogue and content necessary to secure an invoice approval for which there is more than one approval step.

Additionally, the payment process appears to be slower than anticipated, potentially affecting cash flow and operational efficiency.

Accounting Manager

I would like it to have more capabilities for posting wires into intacct without the reference number and to be able to update the stampli system with the details once its posted in Intacct.

Accounting Specialist

The customizable workflow is streamlined and provides visibility into the status of all invoices in the system, so things don't get lost.

I love that Stampli puts all of the invoices that I have to approve for our company in one easy to manage space.

Accounts Payable

Sometimes there is a delay due to updates, etc which can be frustrating at times especially when I am busy.

Director of Rehabilitation

Sometimes it gets slow and can only run on certain devices like laptops and Ipads.

The mobile app and the seamless payment processing, alongside its credit card functions.

Occasionally, customizations require support involvement rather than being self‑service.

Accountant

The thing I like most about Stampli is that it collaborates well with my accounting department's software and has a lot of features that makes processes go by fast.

IT Manager

The automated email reminders that I need to take action on certain Invoices, along with the link to the Invoice in question, is so helpful.

Project Manager

I use it to pay out subcontractors, sometimes invoices get lost or I'm waiting extended periods for the invoice to come in.

Plumbing Manager

It's a little clunky to go from one invoice to the next if you log directly into the site. If you go through the link in your email, then it allows you to smoothly go from one to the next.

Logistics

Additionally, the ability to view all outstanding invoices assigned to my team enhances oversight and streamlines management

BI Manager

With robust communication tools and adaptable features, Stampli fosters collaboration and scales with business needs.

LNHA

I have been using Stampli for over 3 years and i have numerous staff members with varied computer skills who are all able to navigate what's needed from them with the system

Sr Tax Analyst

It enhances team collaboration, reduces manual tasks, and integrates seamlessly with accounting software.

no ability to kick back invoices to multiple people, sometimes 2 or more need to see it and can only send back to one person at a time.

What once used to be tedious for our AP folks has now automated so many transactions that they are able to focus on the business rather than the day-to-day entries.

Director of Marketing

Stampli has made it easier for all of the teams and departments in our organization to track and approve invoices.

The ability to message coworkers in an integrated and easily trackable window per invoice.

Senior Accountant

Stampli has improved our AP processing immensely by reducing time, labor, and risk of error with its incredible AI bot, Billy and easy to use functions.

Director of Safety, Health, and Environment

I like that I get notifications of invoices that are assigned to me via email.   Once I login, the approval process is simple and straightforward.  

IT DIrector

Has given me the ability to see what is actually being charged to my department much more efficiently and easy to approve or deny even when not in the office.  

Unfortunately we have some manual invoices that are uploaded that Stampli cannot read so we still need to review and enter data.  

Production Manager

I've also used it to compare quotes with current costs to find more cost effective solutions for our facility

The workflow is smooth, collaboration is easy, and the audit trail is clean.

Sr. Contract Administrator

Copy lines for cost coding, drop & drag feature to upload attachments.  

From the get-go, the helpful AI, Billy the Bot, began automating coding for our AP Department.

SR director

You can't download the listing of all users and the approval workflow, which is a huge flaw.

Vineyard Manager

Process can be done in several devices such as desktop, laptops, tablets and smart phones.

Systems Administrator

It would make it simpler to assign a dollar value to each line item if it isn't broken out on the invoice.

Plant Director

It is not quite a one-stop-shop, I have to work with multiple platforms to clear invoices and POs and credits etc

VP of People Excellence

I can't upload excel (i.e., our expense form) without first converting it to PDF.

I would recommend to businesses who deal with a heavy load of invoices.

Vice President of Clinical Services

We can quickly view and pay invoices; the additional options are plentiful.

General Manager

Ability to leave notes on specific vendors is absent or not enabled for me.

Food service director

App occasionally has glitch that does not allow me to view invoices.

Mechanical Designer

Sometimes I find it difficult to search for past invoices if I am not exactly sure what search terms to use.

Manager

The Stampli is mainly helping my organization to record the accouting entires for Non-USD bills due to the sudden challenge faced by other application called BILL which discontinued the accounting entries for Non-USD entities.

HVAC manager

i see every invoice from all of my venders even if my tech does not hand them in

Assistant Controller

Ability to split invoices between multiple entities

Senior Director of Development and Communications

Paperless check requests and payments have made our business flow more efficient and accurate.

Staffing Coordinator

Payments can be delayed, once the invoices are approved you can no edit.

Lab Manager

The ability to pass the invoices along that dont belong to you is a great feature, along with the ability to free text comments about the invoices you approve.

Invoice Management

Payment Processing

Users report that Stampli's payment processing capabilities make handling payments faster, easier, and more organized, especially since everything is managed within the application. Reviewers indicate Stampli’s mobile app adds flexibility, allowing payment processing from any device. They find Stampli helpful for automating ACH payments and reducing manual errors. However, users say Stampli’s payment processing can be slow, with vendors sometimes waiting a week to receive funds after approval. They appreciate Stampli’s ease of use and clear vendor communication. Of the 16 Stampli users who gave detailed accounts of their use of Payment Processing, 100% rated this feature as important or highly important.

Approval Process

Document Upload

Bugs and Issues

Team Collaboration

Automation

Workflow

Security and Access Control

Small Business

Mid-size Business

Large Enterprises

PayPal

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Venmo

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Stripe

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Zil Money a financial technology company, not a bank. Zil Money offers banking services through a partnership with FDIC member bank Texas National Bank.

Multiple Payment Options

Mobile Payments

Debit/Credit Card Processing

Billing & Invoicing

Reporting/Analytics

Proprietary

Zil Money

Linux

Chromebook

iPad

Founder

The platform offers a wide range of features like check printing, ACH, and wire transfers that are especially useful for small businesses and freelancers.

Owner

All-in-One Platform: The convenience of managing various payment methods (checks, ACH, payroll) and financial tools from a single dashboard.

Strategy and Operations Manager

It’s super easy to send and receive payments, automate invoices, and even print checks right from the platform. Plus, the integrations with QuickBooks and other tools make managing finances a breeze.

Work from home mom

Zil Money provides a wide range of financial services, including online banking, check printing, ACH and wire transfers, invoicing, and expense management, all in one platform.

Agriculture

It’s especially useful for small businesses needing a digital check solution without high bank fees. Once I got used to the dashboard, everything became quick and intuitive.

Engineer

it really has a unique highlight is the ability to pay vendors, employees, or rent using a credit card.

Add Marketing

The interface looks a little dull maybe give it a different design because first glance didnt real me in as much.

owner

It streamlines transactions, ensures timely payments, and provides robust encryption for data security.

Development Sr

Overall, Zil Money can be a powerful tool for managing payments and financial transactions, particularly for businesses looking for a comprehensive and cost-effective solution.

Litigation consultant

Access fee-free transactions for eligible transactions through your ZilMoney Wallet.

Sometimes the platform feels a bit slow, especially during peak hours and customer support responses could be quiker.

We use it primarily for sending e-checks or for printing physical checks.

They make things very easy to manage my business payments go over smoothly, and I just feel more confident about the security of the of it all.

The process to process Payments was so easy to follow and made it more manageable to deal with during payday

Program Assistant

Learning Curve: Despite its user-friendly interface, some users may initially find it challenging to navigate all the features and functionalities, especially if they are not tech-savvy.

Head of Operations

Some of our vendors still require checks for payment and printing them is straightforward as well.

I would like if they had some sort of prepaid card you could give employees for there direct deposit.

Overall, Zil Money has made my financial workflows much easier.

Maybe provide more offers/discounts in the future.

may experience a learning curve when first using the platform, especially if they are not familiar with digital payment systems.

Real estate agent

I am able to send and money easily without delays.

Assistant

I was really upset about the failed extended trial but this website or app is awesome so join along friends

Driver

Multiple ways to make payments and receiving as well.

did glich a time or two but i cant say for certain tht it wasnt my internet connection or even my phone

We don't use some of the other features yet but may look into them in the future as our business grows.

Directer

It's interesting to see what I could utilize. If I had customer. And the accounts emailed to me.

Software Engineer

I was not able to integrate third party products super well.

Simple design which helps with was of use an and response.

We have several different checking accounts to pay from and switching back and forth is very easy.

Cost-effective easy to use an implement friendly for all computer literacy, age levels and competent at doing exactly what it states it would do

Ability to get to my money when I needed it

The process to make the first few payments go thru was not good.

Novel spinoff of what most banks already offer their business clients

administrative consultant

Logging on a nd security system is unbelievable

My overall experience was positive. If I was going to continue my business into the future I would’ve kept using zilmoney.

CEO - IT Consultant

So far we are happy with our experience with Zil Money's Online Check Writer and so are our vendors.

Stampli vs Zil Money Comparison (2026)

Stampli

Zil Money

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives