BrexFreemium
Corporate cards and spend management with a free tier, where the AI does expense reports, receipt extraction, and compliance flagging.
Finance & Admin comparison
Brex vs Stampli
Pricing, pros, cons, and ideal use cases — side by side.
StampliEnterprise
Accounts payable built around the invoice, with AI that codes, matches, and routes it before a human ever opens it.
At a glance
| Brex | Stampli | |
|---|---|---|
| Pricing | FreemiumEssentials $0 per user/month. Premium $12 per user/month. Enterprise is custom, as is the Smart Card procurement product. The AI expense assistant and auto-filled expense reports are on all tiers; advanced receipt data extraction and AI compliance audit detection start at Premium. | EnterpriseNot published — demo and custom quote. Pricing generally scales with invoice volume and module selection (AP, procurement, payments, cards). Ask for the all-in cost including implementation and ERP connector, and whether card and payment modules carry separate rates. |
| Category | Finance & Admin | Finance & Admin |
| Ideal for | Startups and venture-backed companies issuing employee cardsFinance teams tired of chasing receipts and expense reportsCompanies consolidating cards, bill pay, and travel into one systemControllers who need policy violations flagged automatically | Finance teams processing hundreds of invoices a monthControllers replacing an email-and-spreadsheet approval chainConstruction, manufacturing, and healthcare AP with heavy PO matchingCompanies whose ERP is the constraint on AP automation |
Pros & cons
Brex
Pros
- Genuinely usable free tier with the core AI expense features included
- Published per-user pricing — easy to model
- AI compliance detection surfaces out-of-policy spend without manual review
- Cards, bill pay, banking, and travel in one platform
- Strong fit for venture-backed underwriting profiles
Cons
- Card underwriting is not a fit for every business model
- Advanced receipt extraction and compliance AI require the paid tier
- Consolidating your finance stack on one vendor concentrates switching risk
- Enterprise and Smart Card pricing is quote-only
- Feature overlap with Ramp is high — the decision usually turns on rewards and underwriting, not capability
Stampli
Pros
- All approval discussion lives on the invoice itself — clean audit trail
- AI codes and matches against 2,700+ ERP-aligned fields
- Learns your organisation's coding patterns rather than using generic rules
- Covers procure-to-pay end to end, not just invoice capture
- Deep ERP integration breadth
Cons
- No published pricing and a real sales cycle
- Overbuilt below a few hundred invoices a month
- ERP integration quality varies — validate yours specifically in the demo
- Vendor-stated "89% of the work" is a marketing figure, not an audited benchmark
- Adding procurement and payments modules pushes the cost up quickly
Which should you choose?
Brex is the lighter-weight option (Freemium), while Stampli sits higher on the pricing ladder (Enterprise). Brex is built around startups and venture-backed companies issuing employee cards; Stampli leans more toward finance teams processing hundreds of invoices a month. Shortlist the one whose strengths line up with your biggest constraint.
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