AP automated. AR and the full cash cycle still aren't.

Stampli automates AP well. But AR is still manual, month-end still runs across two systems, and the CFO is still waiting for a full cash cycle picture. OCTA closes what Stampli leaves open. Finance teams outgrowing Stampli's AP-only scope are moving to OCTA for full AR, AP, reconciliation, and AI agents on one platform.

Stampli alternative. AP automated. AR and the full cash cycle still aren't. Stampli automates AP well. But AR is still manual, month-end still runs across two systems, and the CFO is still waiting for a full cash cycle picture. OCTA closes what Stampli leaves open. Get a 20-min walkthrough. See why teams switch. 900+ mid-market finance teams. 40% average DSO reduction. 10 days to go live. $48K+ saved monthly at Careem.

Trusted globally by mid-market finance teams

• Careem
• Lean Technologies
• ZenHR
• Moneyhash
• 900+ others
• 24% DSO reduction · Careem
• 110+ hours saved monthly · Careem AR team
• 80% faster invoice processing · Invoice Zero
• 65% faster dispute resolution · Auto Reconciliation

Why teams switch: Stampli works well for AP. Here is what sits outside its scope.

The teams that move on are not unhappy with Stampli's AP. They need the scope Stampli was never built for.

• Trigger 01 — AR collections is still a manual job. AP invoices code and approve themselves. Meanwhile the AR team is still sending follow-up emails by hand, tracking promises in a spreadsheet, and guessing which accounts to prioritize. Stampli has no AR product. The gap never closes on its own. With OCTA: Smart Collections runs AR outreach automatically. The team reviews exceptions only.
• Trigger 02 — Month-end close runs across two systems. Stampli syncs AP to the ERP. AR lives somewhere else. Reconciliation is manual. The Finance Manager spends the last week of every month stitching two data sources together before the CFO can see a complete picture. That is not a process, it is a workaround. With OCTA: one audit trail, one close. Month-end becomes a review, not a reconstruction.
• Trigger 03 — The CFO still waits for a full cash cycle picture. Stampli gives AP visibility. It shows what you owe and when you are paying it. Cash position what you are owed, what you hold, what is coming in requires pulling AR data from a separate system and building a report manually. Every month. With OCTA: OCTA View unifies AR and AP into one real-time cash position. No report, no request.
• Trigger 04 — The AI story stopped at AP. Billy the AI is impressive within Stampli's product. But it codes invoices and routes approvals. It does not score AR risk, optimise payment timing, surface cash flow anomalies, or let the finance team deploy their own agents. The intelligence ceiling is the AP boundary. With OCTA: OCTA Studio lets finance teams build and deploy their own AI agents across the full finance stack.
• Trigger 05 — Total cost is higher than it looks. Stampli's subscription is one line item. The AR tool running alongside it is another. The analyst time stitching reconciliation is a third. When teams total the full cost of their fragmented finance stack, the case for one platform that covers everything becomes straightforward. With OCTA: one platform, one subscription, one audit trail. Most teams reduce total finance software spend.
• Trigger 06 — Scaling finance without scaling headcount. At 100 employees, manual AR is manageable. At 300, the AR team is underwater. At 500, you are hiring another analyst to do what a system should do automatically. Teams that hit this inflection point evaluate whether AP automation alone is a strategy or a half-measure. With OCTA: finance scales without headcount scaling. AR, AP, and reconciliation automated as volume grows.

Common frustrations: What Stampli users say when AP is no longer enough.

These themes surface in reviews and evaluation calls. Not complaints about Stampli's AP product, which performs well. About what sits outside it.

• No AR automation at any tier — Stampli's product is AP-only by design. There is no AR module, no collections intelligence, no dunning logic, no dispute workspace. Finance teams with AR needs are explicitly told to use a separate tool. This is not a missing feature it is an architectural boundary.
• Reconciliation is ERP sync, not a product — Stampli syncs payment data back to the ERP. That handles AP-side reconciliation for straightforward workflows. For teams that need cross-function exception management, dispute resolution across AR and AP, or bank statement matching, there is no dedicated reconciliation layer.
• No cash flow visibility beyond payables — Stampli shows what the business owes. It does not show what is owed to the business, what the cash position looks like, or where working capital can improve. For a full cash cycle view, Stampli is half the picture.
• Approval flow gaps reported at scale — Stampli's approvals are strong for standard AP workflows. Reviews note friction when approval logic becomes complex, batch processing is required at volume, or the team needs configurable exception handling across multiple entities. These are edge cases for small teams they are daily realities for mid-market ones.
• This is where OCTA picks up.

The OCTA advantage: What finance teams get when the full cycle runs itself.

What changes when the full cycle runs itself, not just the payables side.

• Smart Collections: AR that runs without you — Dynamic risk scoring per account. Adaptive outreach picks the right channel and time automatically. Sales and CX looped in on live accounts. Dispute workspace handles exceptions. Your team reviews only what needs a human call. DSO reduced up to 40% in live deployments. Verified: Careem case study.
• Invoice Zero: AP automation that learns — Auto-fetches from email, portal, ERP, or form. AI extracts every line item. GL mapping self-learns with every invoice. Approval routing configures to your rules. Payment prioritised by cash impact. No manual input. 80% faster invoice processing end-to-end.
• Auto Reconciliation: close without the weekend — AI-matched payments posted to ERP instantly. Exception-only queue surfaces only what needs human judgement. Unified dispute workspace handles mismatches across AR and AP in one place. Month-end close becomes a review, not a reconstruction. 65% faster dispute resolution.
• OCTA Studio: build agents, not processes — Build and deploy custom finance agents with no code. Agents reason across ERP, CRM, BI, and payments. Every action logged. Role-based permissions and human-in-the-loop controls throughout. First agent live in one day. Custom agents live in one day.

OCTA vs Stampli: where each platform begins and ends.

Eight capabilities. Scored honestly, including where Stampli leads.

• AR automation and collections — OCTA: Smart Collections: risk scoring, adaptive outreach, DSO reduction up to 40%; Stampli: No AR product at any price point.
• AP automation — OCTA: Invoice Zero: auto-fetch, AI extraction, self-learning GL mapping; Stampli: Billy the AI: strong AP automation across 2,700+ unique fields.
• Auto reconciliation — OCTA: AI-matched payments, exception queue, dispute workspace; Stampli: ERP sync covers AP side only. No dedicated reconciliation module.
• Cash flow visibility — OCTA: OCTA View: AR and AP unified in real time, smart nudges, self-serve reports; Stampli: AP visibility only. No receivables or cash position view.
• Agentic AI / agent builder — OCTA: OCTA Studio: build and deploy custom finance agents, no code required; Stampli: Billy performs AP tasks. No agent builder, no cross-stack reasoning.
• ERP integrations — OCTA: 130+ integrations: ERP, CRM, BI, banking. No tier-gating; Stampli: 70+ native ERP integrations. Strong in-house depth. Stampli's advantage.
• Working capital optimisation — OCTA: Smart Payment: AI prioritises payment timing by cash impact; Stampli: Executes payments on schedule. No working capital intelligence.
• Pricing — OCTA: Starts at $149/month. No per-transaction fees; Stampli: Opaque pricing. Custom quote on request.

Seen enough to know OCTA covers more ground? A finance specialist will map it against your actual workflows. 20 minutes, no pitch deck. Book a 20-minute walkthrough.

Migration: Live on OCTA in under two weeks. Stampli keeps running until you are ready.

No hard cutover. No IT project. OCTA runs in parallel with your existing stack during the transition. Your team keeps working while the new system goes live around them. If anything does not work exactly as configured, your onboarding specialist resolves it before you cut over.

• ERP and stack connection (Days 1 to 3) — OCTA connects to your ERP, CRM, and banking rails via OCTA Connect. Two-way sync configured and tested. No CSV exports, no manual data entry. Your historical data and vendor records carry over.
• First AI agent deployed (Day 1) — Your dedicated onboarding specialist configures your first finance agent against your actual workflows: GL mapping, approval routing, collection cadences, exception thresholds. Live and processing on day one.
• AR and AP workflows live (Days 5 to 10) — Invoice Zero handling AP. Smart Collections running AR outreach. Reconciliation running in the background. The team moves from managing the process to reviewing exceptions. Stampli continues running in parallel until you are ready to cut over.
• First DSO improvement (Within 30 days. Every month delayed is DSO you are not recovering.) — Smart Collections has been reaching overdue accounts, escalating the right ones, and updating the AR ledger automatically. First measurable DSO improvement typically lands within the first full collection cycle.

Customer proof: One team. The whole cycle automated.

• Careem Finance Team · AR and AP consolidated on OCTA — "OCTA transformed our AR process from a bottleneck into a well-oiled machine." 24% DSO reduction; 110+ hours saved monthly; $48K+ monthly cost savings.
• B2B SaaS company · 500+ employees · AR and invoice automation on OCTA (Source: OCTA case study) — "OCTA has given us control and visibility we never had before. Our AR process is no longer reactive, it is efficient and proactive." 35% DSO reduction; 100+ hours saved monthly; 53% online payments. NPS 96 across 900+ customers; Avg. 35% DSO reduction; Under 1% churn.

What changes, and when: What the first year looks like when AR and AP run themselves.

Concrete, not aspirational. Based on what live customers experience across the first year. Most teams hit these milestones. Some hit them faster.

• First 30 days: Collections automated. Close already shorter. First DSO improvement from Smart Collections; Invoice Zero processing AP without manual input; AR and AP on one dashboard for the first time; month-end close time visibly shorter.
• 30 to 90 days: The team stops chasing. Starts leading. Collections outreach fully automated for standard accounts; reconciliation running in the background, exceptions only; CFO getting real-time cash position without a request; second and third agents deployed via OCTA Studio.
• 90 days to 12 months: Finance scales. Headcount does not have to. DSO at target, collections cycle predictable and measurable; finance headcount stable as transaction volume grows; working capital optimised by Smart Payment on every cycle; full audit trail across AR, AP, and reconciliation in one place.

Frequently asked questions.

Stop closing the month across two systems.

AP is running. The rest of finance does not have to wait. Every month AR runs manually is DSO you are not recovering. Most teams are live in 10 days. First improvement in 30. A finance specialist maps OCTA against your actual workflows. You leave with a clear picture of what changes. No pitch deck, no obligation. Built for the finance team that is done patching tools together. SOC 2, ISO 27001, PCI DSS, GDPR, 900+ companies, 130+ integrations.