If your organization is evaluating payment modernization initiatives, understanding the differences between providers like AvidXchange and Stampli is critical. This guide compares them specifically through the lens of what matters most to your business: payment automation, payment execution, supplier enablement, payment security, and supplier payment efficiency.
What is AvidXchange?
AvidXchange is a B2B payment automation and accounts payable (AP) software provider built specifically for mid-market and enterprise companies. AvidXchange helps organizations eliminate manual payment processes, reduce fraud exposure, manage multi-entity complexity, and turn everyday supplier payments into a source of guaranteed rebate revenue*.
Unlike platforms built primarily around payment execution, AvidXchange is designed around payment monetization—making it especially valuable for finance teams looking to generate returns from the payments they’re already making.
In addition to payment automation, AvidXchange also offers full service invoice-to-pay AP solutions.
Payment services offered by AvidXchange
AvidXchange’s payment platform includes the following core services:
- Payment Automation: Pay suppliers via virtual card, ACH, or check with managed controls and guaranteed rebates* on electronic payments.
- Supplier Network & Enablement: Access to a built-in network of 1.5M+ suppliers, with 250+ dedicated specialists for managing supplier inquiries, account relationships, payment execution, issue resolution, and retention.
- Fraud Risk Management: AvidXchange is a licensed money transmitter with SOC 1 Type 2 and SOC 2 Type 2 compliance and has built-in tools like role-based approvals, OFAC screening, audit trails, 24/7/365 fraud monitoring, and e-validation to help protect both organizations and supplier relationships.
- Reporting & Audit Trails: Centralized payment and approval views with custom roles, configurable approval workflows, and built-in audit trails.
Pros of AvidXchange
- Guaranteed rebate revenue on electronic payments so payments become a profit driver, not just a cost center*
- Managed end-to-end payment operations including card limits, constraints, and supplier outreach
- Purpose-built supplier support and enrollment infrastructure with 250+ dedicated specialists
- Flexible payment methods (virtual card, ACH, check) that meet suppliers where they are
- No bank switching required—integrates with existing bank accounts and accounting systems
- New rebate revenue streams can launch in as little as 30 days
- Always-on, systematic fraud controls applied to every transaction
What is Stampli?
Stampli has a payment execution solution integrated into the company’s broader financial operations platform.
Unlike AvidXchange, which heavily emphasizes supplier network scale and payment automation infrastructure, Stampli positions payments as part of a workflow designed to centralize invoice, approval, and payment visibility.
According to Stampli, the platform supports ACH, check, virtual card, and international payments through a single payment execution framework.
Payment services offered by Stampli
Stampli’s payment platform includes the following services:
- Unified Payment Methods: Stampli supports multiple supplier payment methods, including ACH payments, paper checks, virtual card payments, and international payments
- Pre-Payment ERP Validation: Stampli’s platform performs pre-payment ERP checks and safety validations before funds are released
- International Payment Support: Organizations can pay suppliers in local currencies while managing FX visibility and compliance screening inside the same workflow used for domestic payments
(Source: Information is from Stampli’s website and is accurate as of July 2026.)
What Stampli does well on payments
- Centralizes payment approvals, audit trails, and payment activity in a single system, helping finance teams maintain oversight and compliance
- Eliminates the need to manage multiple payment portals, banking platforms, and disconnected workflows by bringing payment processes together
- Gives finance teams better insight into upcoming and completed payments, making it easier to manage liquidity and forecast cash requirements
- Allows organizations to choose the payment methods that best fit supplier preferences and business objectives without being locked into a single payment type
Key Differences Between AvidXchange and Stampli
Although both platforms support digital supplier payments, their overall approaches to payment automation differ in some key ways.
1. Supplier payment automation and enablement
One of AvidXchange’s biggest strengths is its dedicated focus on supplier payment execution and supplier enablement. The platform is designed around helping mid–market and enterprise businesses:
- Increase electronic payment adoption
- Reduce paper checks
- Automate supplier payments at scale
- Manage supplier payment complexity
- Offload supplier onboarding work
The supplier network is central to that strategy. For organizations struggling with supplier payment modernization, this network-driven approach can reduce operational friction significantly.
AvidXchange has a dedicated supplier services organization and extensive supplier network of over 1.5 million. Stampli provides supplier payment workflows and onboarding capabilities but does not position supplier network scale as centrally within its payments strategy.
For finance teams lacking internal resources to drive supplier payment adoption campaigns, this can be a meaningful operational difference.
2. Payment monetization
AvidXchange is built around payment monetization: turning payment volume into guaranteed rebate revenue* by converting suppliers to electronic payment methods at scale.
For organizations whose AP teams process large volumes of domestic supplier payments, this distinction has a measurable impact on ROI.
Key Considerations for Choosing Between AvidXchange and Stampli
Before selecting a payment automation platform, ask yourself these questions.
Are you trying to reduce paper checks?
If your organization still relies heavily on checks, supplier enablement capabilities become extremely important. Many businesses underestimate how difficult it is to migrate suppliers toward digital payments, because technology alone does not solve the adoption problem.
AvidXchange’s supplier network and onboarding resources may provide an advantage for organizations trying to reduce check usage by making the transition to digital easier.
How much capacity does your AP team have for ongoing supplier outreach?
Self-serve payment automation works when AP teams can sustain supplier enrollment and adoption efforts over time. Most teams can’t—month-end close, staffing changes, and shifting priorities consistently compete with supplier outreach. If your team can’t commit sustained capacity to supplier adoption work, a full-service model is the realistic choice.
How important is payment security?
Check fraud continues increasing across the B2B payments landscape. Organizations evaluating payment automation platforms should carefully examine:
- Supplier verification procedures
- Payment authorization controls
- Approval segregation
- Audit visibility
- Payment monitoring capabilities
Both platforms emphasize payment controls, but AvidXchange has a deep focus on secure payment delivery and supplier payment infrastructure. Stampli “undergoes SOC 1, 2, and 3 certification and annual reviews and is also PCI DSS compliant (SAQ-D Attestation of Compliance)” but focuses more heavily on ERP validation and governance controls before payment execution.
Do you have significant international payment needs?
Organizations paying international suppliers may prefer Stampli’s built-in cross-border payment support.
According to Stampli, the platform supports local currency payments, FX visibility, and international payment execution within the same workflow used for domestic payments. AvidXchange’s payments focus more heavily on domestic supplier payment automation and can still work with international businesses on their US payments.
How much internal supplier management capacity do you have?
Supplier enablement is often one of the most overlooked aspects of payment modernization. If your finance team lacks bandwidth to onboard suppliers manually, AvidXchange’s supplier services organization may reduce operational strain. If your organization already has strong supplier management processes internally, Stampli’s workflow-centric payment controls may be sufficient.
Where AvidXchange Stands Out When It Comes to Payments
For businesses where payment automation is a strategic priority, AvidXchange offers structural advantages that compound over time.
Large supplier payment network
AvidXchange’s supplier network is arguably the strongest differentiator, with more than 1.5 million suppliers participate in the AvidPay Network. That scale can help organizations accelerate supplier payment digitization faster than manual supplier outreach alone thanks to the number of suppliers already in the network.
Dedicated supplier services
Many payment automation suppliers provide software but leave supplier onboarding to customers. AvidXchange instead emphasizes dedicated supplier support teams focused on:
- Supplier onboarding
- Payment enrollment
- Payment support
- Supplier experience management
This can significantly reduce the burden on finance and AP teams.
Read more: Why an Established Supplier Network Matters for Payment Automation Revenue
Payment modernization focus
AvidXchange’s payment strategy is heavily centered around helping organizations move away from paper checks.
AvidXchange’s combination of ACH, virtual card, and automated check capabilities gives suppliers flexibility while still encouraging digital payment adoption.
Mid-market and enterprise payment complexity
AvidXchange specializes in mid–market payment challenges. Organizations with multiple entities, high supplier volumes, industry-specific payment workflows, and distributed approval environments may benefit from the specialized focus on supplier payment automation at scale.
Which Payment Provider Is Best for You?
The right choice depends on your organization’s payment profile and priorities.
Choose AvidXchange if:
- You want a payment-focused automation partner
- Generating revenue from your supplier payments is a top priority
- Supplier enablement is critical
- Your team lacks bandwidth for supplier onboarding
- You want strong virtual card adoption capabilities
- You manage high supplier payment volumes
Choose Stampli if:
- You need international payment support
- You want centralized workflow visibility
- Your organization values embedded payment governance
Side-by-side comparison
| Stampli | AvidXchange | |
|---|---|---|
| Core Purpose | Spend management & bill pay | Dedicated B2B payment automation |
| Payment Methods | ACH, check, wire, virtual card | ACH, check, virtual card |
| International Payments | SWIFT wire | Domestic focus |
| Supplier Payment Network | Not dedicated | 1.5M+ suppliers |
| Supplier Enablement Team | Self-serve | 250+ dedicated teammates |
| Payments Processed Daily | Not published | 100,000+ |
| Service Model | Self-service / platform | Full-service / managed |
| Electronic Payment Rebates | Not offered | Guaranteed rebates* |
| Fraud Monitoring | AI-driven at approval stage | 24/7/365 managed monitoring |
| OFAC/KYC Checks | Not specified | Included |
Making the Right Choice
The right choice depends on your organization’s operational priorities, supplier landscape, payment complexity, and modernization goals.
AvidXchange stands out for organizations seeking large-scale supplier payment automation and supplier enablement support. Stampli stands out for businesses prioritizing payment visibility, reconciliation controls, and workflow-centric payment execution.
The most important question is not simply which platform has more features. It is which platform aligns best with how your finance team actually manages supplier payments today—and how you want those processes to evolve in the future.
To see how AvidXchange sets you up for success, get in touch with our team of experts today.
FAQs: AvidXchange vs. Stampli
What is the difference between AvidXchange and Stampli payments?
AvidXchange focuses heavily on supplier payment automation, supplier network enablement, and helping mid–market and enterprise businesses reduce paper checks at scale. Stampli focuses more on embedded payment workflows, ERP validation, reconciliation controls, and centralized payment visibility.
How does AvidXchange help with supplier payments?
AvidXchange provides supplier onboarding, payment enrollment, multiple payment delivery options, and supplier support services through the AvidPay Network.
Which platform is better for payment security?
Both platforms emphasize payment controls, but they approach security differently. AvidXchange focuses heavily on secure payment infrastructure and supplier payment monitoring, while Stampli emphasizes ERP validation and approval governance before payment execution.
Does AvidXchange support ACH and check payments?
Yes. AvidXchange supports ACH/direct deposit payments, virtual card payments, and automated paper check delivery.
What is supplier enablement in payment automation?
Supplier enablement refers to onboarding suppliers into electronic payment systems and helping them transition away from paper checks. This can include supplier outreach, payment preference collection, ACH enrollment, and payment support.
*: Subject to enrollment in AvidXchange ePayment Incentive Program and processing an eligible number of payments to suppliers.
Notice: The information presented on this page is based on research and intended for educational purposes only. Anyone seeking to follow the information contained herein should consult their own advisors and conduct their own research prior to doing so. AvidXchange, Inc. and its affiliates disclaim any and all liability resulting from reliance on the information contained herein.
AvidXchange is a licensed money transmitter for B2B payments in the United States, licensed as a Money Transmitter by the New York State Department of Financial Services, as well as all other states that require AvidXchange to have a license.