OCTA vs Stampli: everything your finance team needs to know before choosing.

OCTA runs AR, AP, reconciliation, collections, and working capital intelligence on one connected platform. Stampli runs AP exceptionally well and stops there. Most finance teams running Stampli still chase AR manually, reconcile across two systems at month-end, and wait for a report to know their cash position. This page shows exactly what changes when the full cycle runs on one platform.

Running AP and AR separately means double the work at month-end.

Most finance teams automate AP first. Then the other half catches up: AR still running on spreadsheets, month-end close split across two systems, the CFO asking for a cash number that takes two days to build. If you are evaluating AP automation only, Stampli delivers it well. If you are ready for the full cycle to run itself, here is where each platform fits.

OCTA (Full cash cycle): Stop being the team that chases, reconciles, and reports manually. AR, AP, reconciliation, and collections on one platform, with AI agents that act without waiting for a click. AR and AP on one data layer, one audit trail, one close; Smart Collections with dynamic risk scoring, adaptive outreach, DSO reduced up to 40%; Invoice Zero with auto-fetch, AI extraction, self-learning GL mapping; OCTA Studio to build and deploy custom finance agents in one day; CFO dashboard with AR, AP, and cash position in one real-time view. Trusted by Careem, Lean Technologies, ZenHR, Moneyhash and 900+ mid-market finance teams across the US and MENA.

Stampli (AP procure-to-pay): An AP-first procure-to-pay platform for teams whose scope is invoice automation, approvals, PO matching, and vendor payments. Billy the AI: self-learning invoice coding across 2,700+ unique fields; collaboration-first approvals with on-invoice communication; 70+ native ERP integrations built in-house, live in days; procurement, vendor management, and Stampli Card; custom pricing, contact Stampli for a quote. 4.8/5 Capterra (463 reviews), G2 Leader mid-market AP.

Platform scope at a glance.

• OCTA — Agentic finance platform covering the full cash cycle AR, AP, reconciliation, collections, and working capital intelligence. Core modules: AR Automation, AP Automation, Smart Collections, Auto Reconciliation, OCTA Studio, OCTA View, Smart Payment, E-Invoicing. Founded 2024; 900+ customers; NPS 96; churn <1%; $750M processed; 130+ integrations across ERP, CRM, BI, banking; mid-market 50–1,000 employees; starts at $149/month.
• Stampli — AP-first procure-to-pay platform built by AP professionals for AP teams. No AR module, no reconciliation product, no cash flow intelligence. Core modules: AP Automation, Procurement, Vendor Management, Stampli Card, Payments. Founded 2014; 67,000+ active AP users; 4.8/5 Capterra (463 reviews); 2 million+ invoices processed; 70+ native ERP integrations; SMB to enterprise, AP-focused; custom quote, contact for details.
• On OCTA being founded in 2024: OCTA reached 900+ customers, NPS 96, and under 1% churn in its first year of operation. The velocity is the data point, not the age. Careem, Lean Technologies, and Moneyhash are among the teams that evaluated maturity and chose OCTA.

Finance teams move from Stampli to OCTA when AP running smoothly is no longer enough.

• AR collections is still manual on the receivables side while AP is fully automated.
• Month-end reconciliation is consuming analyst time across two separate systems.
• The CFO wants a single number for cash position, not two reports stitched together.
• The team is ready for AI agents that act on the AR side, not just the AP side.

What each platform covers, compared directly.

Fourteen dimensions. Scored honestly, including the rows where Stampli leads.

• AR automation — OCTA: Full AR stack invoicing, Smart Collections, dynamic risk scoring per account, dispute workspace; Stampli: No AR product. AP-only by design. Separate tool required.
• Collections intelligence — OCTA: Adaptive outreach by channel and timing. DSO reduced up to 40% in live deployments; Stampli: Not in scope.
• E-invoicing / compliance — OCTA: Compliant e-invoice generation and management natively; Stampli: Not available.
• AP automation depth — OCTA: Invoice Zero: auto-fetch from email, portals, ERP. Self-learning GL mapping. 80% faster processing; Stampli: Billy the AI: 87% of finance work automated across 2,700+ unique fields.
• ERP integration depth — OCTA: 130+ integrations across ERP, CRM, BI, and banking. No tier-gating; Stampli: 70+ native ERP integrations built in-house. Live in days. Stampli's strongest advantage.
• Approval workflows — OCTA: Multi-level configurable workflows, human-in-the-loop AI, full audit trail; Stampli: All approvals, comments, and sign-offs happen on the invoice itself. No email threads.
• PO matching (2/3-way) — OCTA: Automated matching with exception queue; Stampli: Robust PO matching with early exception surfacing. Strong for manufacturing and healthcare.
• Vendor management — OCTA: Vendor directory, smart rotation, relationship-preserving payment logic; Stampli: Vendor portal, onboarding, messaging, and document compliance. Strong capability.
• Reconciliation — OCTA: AI-matched payments to ERP instantly. Exception-only queue. 65% faster dispute resolution; Stampli: ERP sync covers AP-side reconciliation. No dedicated reconciliation module for the AR side or cross-function exception management.
• Cash flow visibility — OCTA: OCTA View: AR + AP unified real-time timeline. Smart nudges. Plain-language self-serve reports; Stampli: No cash flow intelligence product.
• Agentic AI / agent builder — OCTA: OCTA Studio: build and deploy custom finance agents. Cross-stack reasoning. No-code; Stampli: Billy performs AP tasks. No agent builder, no custom deployment, no cross-stack reasoning.
• Working capital optimisation — OCTA: Smart Payment: AI prioritises timing by cash impact, captures early-pay discounts automatically; Stampli: Executes payments on schedule. No working capital intelligence.
• Pricing model — OCTA: Starts at $149/month. No per-transaction fees; Stampli: Opaque pricing structure. Custom quote on request.
• Customer satisfaction — OCTA: NPS 96. Churn <1%. 900+ customers; Stampli: 4.8/5 Capterra across 463 reviews.

Where the two platforms diverge in practice.

AR Collections Intelligence: the clearest scope gap. OCTA Smart Collections: dynamic risk scoring per account. Adaptive outreach selects the right channel email, WhatsApp, portal at the right time, automatically. Sales and CX teams are looped in on live accounts. Dispute workspace handles mismatches end-to-end. DSO reduced up to 40% in live customer deployments. The collections function runs without a human initiating each step. Stampli Not in scope: Stampli does not offer AR or collections automation. This is a deliberate product decision, not a gap they are closing. Finance teams that also need intelligent AR management will require a separate tool alongside Stampli, adding cost, integration overhead, and data fragmentation at month-end close. Bottom line: If DSO reduction is a priority, Stampli cannot help. This is the single most important capability gap between the two platforms.

Agentic AI: programmable platform versus task automation. OCTA OCTA Studio: finance teams build and deploy custom AI agents with no code. Agents reason across the full connected finance stack: ERP, CRM, BI, payments. Role-based permissions with human-in-the-loop controls. Every action logged and audit-ready. First agent deployable in one day. The intelligence layer is programmable and extensible by the team using it. Stampli Billy the AI: Billy learns company-specific invoice coding patterns, vendor behaviour, and GL routing. Performs 87% of finance work across 2,700+ unique fields genuinely impressive within AP scope. But Billy is a fixed-function product AI. Finance teams cannot build custom agents or extend reasoning beyond Stampli's AP surface. The intelligence stays inside the product. Bottom line: Both platforms have real AI. The difference is that OCTA's AI is a programmable platform; Stampli's is a well-trained product feature. Long-term, OCTA's architecture compounds as you add use cases.

ERP Integration: where Stampli holds a genuine advantage. OCTA OCTA Connect: one-time connection across the entire finance stack: ERP, CRM, BI, payments, and banking rails, normalised into a real-time data layer. Self-serve dashboards without vendor tickets. Covers 130+ integrations including NetSuite, Oracle Fusion, QuickBooks, Xero, Zoho Books, Wafeq, Dynamics 365, Odoo, Salesforce, and major UAE and US banks. Stampli 70+ native ERP integrations: this is Stampli's strongest technical differentiator. 70+ ERP integrations built in-house, mirroring each ERP's exact field structure without requiring reconfiguration. Teams go live in days. If your ERP setup is complex and specific, particularly SAP, Sage, or niche industry ERPs, Stampli's integration depth is a real advantage that is hard to match. Bottom line: For most mid-market ERP environments, OCTA's 130+ integrations are comprehensive. If you have a highly specific or unusual ERP requirement, validate both vendors in a proof-of-concept before committing.

Reconciliation: dedicated product versus AP-side sync. OCTA Auto Reconciliation: AI-matched payments posted to the ERP instantly. Exception-only queue surfaces only items needing human judgement. Unified dispute workspace handles mismatches across AR and AP in one place. 65% faster dispute resolution end-to-end. Reconciliation happens as a background function the finance team sees the output, not the process. Stampli ERP sync: payment data syncs back to the ERP after approval and execution. This handles core AP-side reconciliation for straightforward workflows. There is no dedicated reconciliation module for the AR side, no unified dispute workspace, and no exception management layer beyond what the connected ERP provides. Bottom line: For teams where month-end close is a friction point, OCTA's dedicated reconciliation product is a meaningful upgrade. For AP-only reconciliation within a single ERP, Stampli's sync covers the basic need.

Six things finance leadership evaluates at this decision level.

• Cash visibility: Stampli gives AP visibility. You see what you owe and when you are paying it. OCTA gives you the full picture: what is owed to you, what you owe, and what your cash position looks like right now, in one view. For CFOs who want to stop waiting for the finance team to build a report, this matters.
• DSO reduction: Stampli has no path to DSO improvement. Its scope is payables. OCTA's Smart Collections module is specifically built around reducing DSO: dynamic risk scoring, adaptive outreach, and direct links to the collections team's daily workflow. Live customers report DSO reductions up to 40% within 60 days.
• Platform consolidation: Running Stampli for AP and a separate AR tool creates two data silos, two reconciliations, and two vendor relationships. OCTA consolidates everything: AR, AP, reconciliation, cash flow, onto one platform with one audit trail. Finance teams typically report 100+ hours saved monthly on the combined workflow.
• AI strategy: Stampli's Billy is a strong AP task automation AI. OCTA's agentic layer is a platform: finance teams deploy custom agents that reason across the full finance stack. For CFOs thinking 12 to 24 months ahead, the architecture difference matters. One scales horizontally with your use cases; the other stays within AP.
• Implementation risk: Both platforms are known for fast implementation. Stampli is live in days for AP. OCTA deploys first agents in one day, with full AR and AP workflows live within 5 to 10 business days. OCTA runs in parallel with your existing stack during the transition. No hard cutover required.
• Vendor longevity: Stampli is a well-regarded AP platform with 67,000+ active users. OCTA carries a strong credibility of trusted customer base: NPS 96, churn under 1%, and 900+ customers across Careem, Lean Technologies, ZenHR, and Moneyhash. Both are credible long-term partners.

What changes for your team on a typical workday.

• AP specialist: processing a vendor invoice — Stampli: Invoice arrives. Billy auto-codes it against the GL, routes it to the right approver, and threads all communication on the invoice itself. Approver comments and signs off without leaving the platform. Payment executes and syncs to ERP. Teams consistently report this reduces invoice processing to seconds. OCTA: Invoice Zero auto-fetches from any source: email, portal, ERP, or form. AI extracts every line item, maps it to the GL (self-learning, improving with every invoice), and routes for approval. Payment is prioritised by cash impact via Smart Payment. ERP sync happens automatically. Same speed, broader scope.
• AR specialist: following up on an overdue invoice — Stampli: Not applicable. Stampli does not have an AR module. The AR specialist works in a separate system most commonly a spreadsheet, accounting software reminders, or a standalone collections tool. Data does not flow between the two systems automatically. OCTA: Smart Collections identifies the overdue invoice, scores the account by risk, selects the right outreach channel and timing, and sends the follow-up automatically. The AR specialist reviews the exception queue and unresolved replies only not the routine chasing. All communication threads in one inbox.
• Finance Manager: closing the month — Stampli: AP is clean all invoices processed, payments executed, ERP synced. The Finance Manager still needs to pull AR data from a separate system, reconcile bank statements manually or via the accounting software, and compile the full month-end picture across two or more data sources. OCTA: Auto Reconciliation has matched all incoming payments to invoices throughout the month. The exception queue surfaces only the mismatches. AR and AP are on one audit trail. The Finance Manager reviews exceptions and approves close not the underlying matching and verification work.

Understanding the cost structure of each platform.

Neither platform publishes a public price list. Here is what is known about each model and what to clarify in your evaluation.

• OCTA — Starts at $149/month, no per-transaction fees: AR + AP + reconciliation + collections + cash flow in one platform; no per-transaction fees on payments; no feature tier-gating full platform from day one; ERP and full finance stack connectivity included; dedicated onboarding and enterprise sales manager; first agent deployable in one day; live within 5–10 business days.
• Stampli — Opaque pricing structure, contact Stampli for a custom quote: AP automation including invoice capture, coding, approvals, payments; 70+ ERP integrations included; Stampli Card available alongside AP subscription; vendor management and procurement modules available; AR automation not available at any price point; reconciliation handled via ERP sync only.

Pricing data sourced from vendor documentation and third-party review platforms as of June 2026. Contact both vendors for a quote scoped to your team size and transaction volume.

Finance teams that evaluated both. What they measured.

• OCTA documented outcomes — DSO: Up to 40% reduction in Days Sales Outstanding. Careem: 24% DSO reduction within 60 days. Hours saved: 110+ hours per month saved on AR workflows (Careem finance team). Cost savings: $48,000+ monthly cost savings in live deployment. Processing: 80% faster invoice processing end-to-end with Invoice Zero. Reconciliation: 65% faster dispute resolution with Auto Reconciliation. Quote: "OCTA transformed our AR process from a bottleneck into a well-oiled machine." Careem Finance Team. Source: Octa customer case studies. Outcomes anchored to documented deployments.
• Stampli what G2 and Capterra reviewers say — Ease of use: Rated 4.6/5 on G2 across verified AP automation reviews. "I really appreciate how easy it is to navigate Stampli." G2 reviewer. Adoption: Teams report going live in days with minimal training required for approvers. AP satisfaction: 4.8/5 across 463 Capterra reviews. Support quality rated above industry average. Limitations: Some users report invoicing issues, approval flow gaps, and missing batch processing options that impact team efficiency. Source: G2 and Capterra verified reviews as of June 2026.

Your AR and AP run themselves. Your close takes hours, not days.

Closing the month across two systems, at 11pm, with a reconciliation built by hand. That is the problem OCTA was built to end. Every month your AR runs manually is a month of DSO you are not recovering. Most teams see their first improvement within 30 days of going live. In the call, a finance specialist will map OCTA against your actual workflows, your ERP, and your team structure. You leave with a clear picture of what changes, and what does not. No pitch deck, no obligation. "OCTA transformed our AR process from a bottleneck into a well-oiled machine." — Careem · Finance Team (24% DSO reduction, $48K+ saved / month). SOC 2, ISO 27001, PCI DSS, GDPR, 900+ companies, 130+ integrations.