Stampli connects to ERPs it has already built a connector for, through API, bridge apps, or file sync. LayerNext connects the same way when an API exists, and through a computer-use agent when it does not. LayerNext also carries each invoice through ERP posting and bank reconciliation, then reports on it. Stampli's scope is AP and procure-to-pay.
Two fundamentally different approaches to access and pricing.
AP automation for QuickBooks
Invoice and receipt capture
Bank reconciliation
Human approval before posting
Standard workflows
Everything in Pro, plus
AP automation on any ERP
Invoice and statement reconciliation
Bank reconciliation at scale
Two and three way PO matching
Direct posting to any ERP
Financial reporting and anomaly alerts
Audit trail, SSO and permissions
White-glove support with SLA
Stampli covers AP well on ERPs it already supports. The gap opens at connector dependency and platform scope.
Feature
Custom or in-house ERP
Stampli
LayerNext
Single cloud portal for all automations
Stampli
LayerNext
Dedicated enterprise portal with Insight Board
Bank reconciliation
Stampli
LayerNext
Real-time, continuous
CFO reporting
Stampli
LayerNext
Real-time dashboard
Legacy or desktop ERP, no API
Stampli
Partial. File sync only
LayerNext
Multi-channel data input (email, disk, ERP, DB)
Stampli
Standard capture only
LayerNext
AI invoice capture
Stampli
Billy AI
LayerNext
Any format
PO matching
Stampli
2-way, 3-way, partial POs
LayerNext
Automated, flags mismatches
Approval workflows
Stampli
Multi-level, invoice comment threads
LayerNext
Plain-English rules, mobile approval
Duplicate detection
Stampli
LayerNext
Modern cloud ERP
Stampli
Native API
LayerNext
Native API
Multi-entity, multi-currency
Stampli
LayerNext
Business rules
Stampli
AI GL coding
LayerNext
Plain-English, thousands supported
Custom workflow configuration (no code)
Stampli
Available
LayerNext
Zero-code, any automation type
Human-in-the-loop review
Stampli
LayerNext
Full audit trail / SOX readiness
Stampli
100% lineage
LayerNext
Full audit trails
Reporting
Stampli
12 pre-built reports
LayerNext
Insight Board
Mobile App
Stampli
LayerNext
iOS and Android
LayerNext deploys AI agents that automate the full finance operation, not just AP. Agents capture invoices, reconcile bank feeds, close books continuously, enter data into ERP systems, and surface CFO-level financial intelligence. The platform connects natively through an API where one exists, and operates the ERP's own screen through a computer-use agent where it does not.
Hours saved per month finance teams
Reduction in processing errors
Task accuracy on defined workflows
To deploy, not months
Ivan Cruz
VP of Finance, CHB Group
Stampli is a procure-to-pay platform built around invoice-centric collaboration, connecting to 70+ ERPs through API, bridge, and file integrations.
For Stampli, the question is how much faster invoices clear approval. For LayerNext, the question is how many people are still doing this by hand.
Net annual saving after LayerNext cost. Payback period: under 90 days.
Choose
If you,
Have staff doing manual AP, data entry, or reconciliation a connector cannot reach
Want payments (ACH, check, wire, virtual card), a corporate card, and procurement bundled in the same platform as AP
Require SOX-grade audit trail for Big Four audits
Have AP as the only workflow to automate, with no reconciliation or reporting need
Choose
If you,
Run any ERP environment: modern cloud (NetSuite, Workday, SAP), legacy desktop with no API (Epicor, older Sage, Dynamics GP), or a mix of both
Need to automate AP invoice processing at volume: 500+ invoices per month
Need real-time burn rate, runway, and cash flow visibility
Want transparent pricing and a pilot before committing
Are a US or Canadian business wanting local support
Need custom workflows, business rules, multi-channel data input, and full AP automation across any ERP, cloud or legacy
1. What is the core difference between Stampli and LayerNext?
Stampli automates AP and procure-to-pay on ERPs it has a pre-built connector for. LayerNext matches that API coverage on modern ERPs, then extends to legacy and custom systems with no API. It also carries each invoice through ERP posting and bank reconciliation, with CFO reporting on top.
2. Does Stampli work with legacy ERPs that have no API?
Partially. Stampli has bridge integrations for a handful of on-prem systems, including SAP ECC and Sage 100, and file-based integrations for a few more, including Epicor and Sage 300. These require setup per system and do not offer the same live, two-way sync as its API integrations. Systems outside that list are not supported.
3. Does LayerNext require coding to set up workflows or business rules?
No. Workflows and business rules are configured by the finance team in plain English, with no developer and no build cycle.
4. How quickly can each platform be deployed?
Stampli cites a 0.8-month average go-live on ERPs it already supports, covering AP only. LayerNext runs a phased rollout across AP and reconciliation together: discovery in weeks 1 to 2, a pilot in weeks 3 to 6, full deployment by weeks 7 to 12, with no ERP migration required.
5. Does a human still review what the AI does?
Yes. LayerNext works exception based. Routine invoices post automatically, and anything ambiguous, like a tax mismatch or a missing PO, creates a task for a person to resolve. When the task queue is empty, no human input is currently needed.
6. Is my financial data secure?
LayerNext encrypts data in transit and at rest, applies strict access controls, and never uses customer financial data to train its models. Bank connections run through Plaid, and security practices are SOC 2 aligned.
7. Do I need to involve my IT team to set this up?
Very little. LayerNext needs no ERP migration, no middleware, and no changes to existing infrastructure, and the finance team writes workflows and rules in plain English without IT tickets. Access to your specific ERP is scoped during discovery in weeks 1 to 2.
8. What ERPs does LayerNext support?
Active integrations: QuickBooks Online, QuickBooks Desktop, Xero, Sage, Microsoft Dynamics 365, NetSuite, SAP, FreshBooks, and Excel-based workflows. For systems without modern APIs, including legacy Sage, Epicor, older Dynamics, and custom Windows ERPs, LayerNext uses computer-use automation to operate at the application layer without API access.
Stampli is a real option for one specific case: a team already on a supported ERP whose main friction is approval routing, and who wants payments and procurement in the same tool as AP.
The gap opens in two places. Every Stampli connector, API, bridge, or file, still requires Stampli to have built support for a specific system, and legacy or custom ERPs get partial coverage at best. And Stampli stops at AP. Bank reconciliation and CFO reporting live elsewhere.
LayerNext matches Stampli's reach on every ERP Stampli supports, over the same API, then continues where Stampli stops. Computer-use automation means the agent operates a connector-less ERP the same way a finance clerk does. A zero-code workflow engine and plain-English business rules mean the finance team owns the automation. The ROI case is direct: 6 to 8 data entry clerks at $55K each, replaced by a platform that costs $25K to $100K a year.
If your ERP is supported, your pain is AP-specific, and you want payments and procurement in the same tool, evaluate Stampli. If your ERP has no API, your team needs more than AP solved, or you want to try the product before a sales call, LayerNext is built for that.
