Finance AI Index
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Business bill pay · September 2026 Edition

Melio vs Stampli

Zero of twelve models named Melio first on the direct prompt; one named Stampli. Melio was named by twelve of the twelve models and Stampli by nine and Melio carries 27 labels and Stampli 16, so the shares are not directly comparable.

Melio

accepted challenger

Named in six categories this edition.

Stampli

accepted challenger

Named in eight categories this edition.

First-choice share26%5%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate11%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#5A position in a field of 10; printed, not drawn.
Labels2716A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Melio reading right to left. Rank and label count are printed, not drawn.BILL was named alongside these two in ten of the twelve direct answers. BILL vs Melio · BILL vs Stampli · Melio vs Ramp

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business bill pay page.

By framing

How many of the twelve models made each the first choice, per way of asking, and how many argued against it.
MelioFirst choices, of twelve modelsStampli
Direct011 against Melio
Paraphrase01
Comparative30
Budget-constrained110
Scale-constrained001 against Melio
Negative001 against Melio
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.

Across every category in the September 2026 Edition, Melio and Stampli were named in the same answer thirty-nine times, of the 272 answers naming Melio and the 152 naming Stampli. In those answers Stampli took the first choice two times and Melio five.

Every model, every framing

The seventy-two answers behind the chart above, one cell each: where Melio and Stampli stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
Melio Stampli first choice named as an alternative argued againstblank: not namedEach cell is one answer, Melio on the left and Stampli on the right.

The direct prompt

The plain question, one answer per model, grouped by where Melio and Stampli stood in it.

Stampli first, Melio not the choice

1 of 12 modelsMelio was named in the answer but not as the choice, or not at all.
Gemini 3.5 FlashStampli alternatives: Airbase, AvidXchange, Ramp, Tipalti

Neither was the first choice, one was named

6 of 12 modelsThe answer put something else first and named one of the two as an alternative.
Perplexity SonarBILL alternatives: AvidXchange, Ramp, Stampli, Tipalti
Grok 4.1 FastBILL alternatives: AvidXchange, Ramp, Stampli, Tipalti
DeepSeek V4 FlashTipalti alternatives: AvidXchange, BILL, Ramp, Stampli
Kimi K2BILL alternatives: AvidXchange, Melio, Rillion, Stampli
GLM 4.7 FlashXBILL, Ramp alternatives: AvidXchange, Stampli, Tipalti
MiniMax M2.5AvidXchange, BILL alternatives: Stampli, Tipalti

Neither was named

5 of 12 modelsThe answer made no first choice from these two in this category.
Claude Haiku 4.5MineralTree alternatives: BILL, EBizCharge, Rillion, Versapay
GPT-5.4 miniTipalti alternatives: BILL, Ramp
Mistral SmallBILL alternatives: AvidXchange, Finexio
Llama 4 Maverickno first choice
Qwen 3.7 FlashBILL alternatives: AvidXchange, Ramp, Tipalti

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Melio leads by fifty-seven points.
Melio57%#1 of 7
Stampli0%#– of 7
The full small business standing →
Mid-marketThe figures above
Melio leads by twenty-one points.
Melio26%#2 of 10
Stampli5%#5 of 10
The full mid-market standing →
Enterprise
The order flips: Stampli leads at enterprise.
Stampli2%#6 of 9
Melio0%#9 of 9
The full enterprise standing →

What the models said about Melio

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of three in this category shown.

“Likely too lightweight for 500 employees needing controls and audit trails.” Kimi K2 · scale prompt · soft negative
“You run a small business (≤50 invoices/month) and want a friendly UI | Melio (Go plan: 5 free ACH payments).” GLM 4.7 FlashX · comparative prompt · first choice
“The best bill pay platform for businesses on a limited budget is Melio's Go plan, which is $0/month” Llama 4 Maverick · budget prompt · first choice

What the models said about Stampli

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.

“Best Overall for Pure AP Automation & ERP Sync: Stampli ... is the industry favorite for the mid-market” Gemini 3.5 Flash · paraphrase prompt · first choice
“Stampli: Best Overall for Collaborative AP & Ease of Use ... Stampli is the market leader.” Gemini 3.5 Flash · direct prompt · first choice
Also compared
BILL vs MelioBILL vs StampliMelio vs RampMelio vs TipaltiMelio vs AvidXchangeMelio vs Bank Bill PayRamp vs StampliTipalti vs StampliStampli vs AvidXchangeStampli vs Bank Bill PayAll twenty-one head-to-head pages and the full business bill pay standing

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.