Ramp is a fast-growing spend administration platform that gives trendy company card and accounts payable options. It is particularly fashionable amongst startups and SMBs looking for to streamline expense reporting. Ramp automates receipt matching, integrates with different accounting software program, and simplifies the spend administration course of.

However each firm is completely different. You may want superior options like international AP automation, strong ERP integration, seamless digitization, or deeper accounting functionalities that Ramp could not present. That is why it is sensible to take a look at Ramp alternate options.

On this complete information, we’ll look at the highest 8 Ramp rivals, together with Nanonets, Brex, Airbase, and extra. We’ll break down every platform’s key options, strengths, and pricing so yow will discover your excellent AP and spend administration associate.

What’s Ramp?

Ramp is a spend administration platform that mixes company playing cards with highly effective expense administration and accounting automation. Its mission is to assist companies streamline spending, save money and time, and achieve real-time visibility into company-wide bills.

Key options of Ramp embrace:

• Company playing cards: Get bodily and digital playing cards with customized spend controls
• Expense administration: Actual-time expense monitoring, categorization, and reporting.
• Accounts payable automation: Automates your complete AP workflow, from bill seize to fee processing.
• Accounting integration: Seamless syncing with QuickBooks, Xero, NetSuite, and extra.
• Spend controls: Set budgets, limits, and approval workflows to implement expense insurance policies.

High Ramp alternate options and rivals

Ramp affords a user-friendly interface and highly effective automation capabilities. Nevertheless, it might not be ideally suited for companies with complicated accounting necessities or these looking for a complete, absolutely automated procure-to-pay resolution.

Fortunately, many wonderful Ramp alternate options supply strong options and distinctive advantages. Let’s discover them.

1. Nanonets

Nanonets is a game-changer for accounts payable groups. Its AI-powered resolution, Move, automates your complete procure-to-pay course of, from clever bill information seize to automated approval workflows and seamless accounting integration.

Move’s user-friendly interface makes it straightforward to navigate and saves time by minimizing errors and guide duties. With end-to-end visibility, AP groups can deal with higher-value actions as an alternative of getting slowed down in paperwork. 

Nanonets vs. Ramp comparability

Nanonets Move is a sturdy, scalable resolution for companies looking for full AP automation, from bill consumption to fee. It makes use of superior AI and OCR to deal with complicated, multi-format invoices, whereas Ramp’s AI is extra restricted. Nanonets does 3-way matching invoices, POs, and receipts; Ramp solely does 2-way matching. Nanonets has customizable approval workflows for complicated hierarchies, a vendor portal for communication and doc sharing, and detailed AP analytics. Ramp is best for firms needing company playing cards and important expense administration with gentle AP automation.

Nanonets prime options

1. AI-powered information seize: Precisely extract information from invoices, lowering guide entry and errors.
2. Multi-format bill processing: Handles invoices in varied codecs, together with PDFs, scans, and emails.
3. 3-way matching: Robotically matches invoices with POs and receipts to stop discrepancies and fraud.
4. Customizable workflows: Create customized approval workflows primarily based on vendor, quantity, division, and extra.
5. In depth integrations: Seamlessly combine with Zapier, Google Drive, Zendesk, Typeform, Shopify, QuickBooks, Xero, Sage, and plenty of different apps to automate duties, sync information, and streamline AP processes.
6. Vendor portal: Talk with distributors, observe standing, and handle paperwork in a single centralized hub.
7. Analytics dashboard: Acquire real-time visibility into AP metrics, bottlenecks, and enchancment alternatives.

Who’s Nanonets match for?

Nanonets is ideal for companies of all sizes trying to get rid of guide bill processing, streamline complicated approval workflows throughout a number of departments or places, seamlessly combine with their accounting methods, and effectively deal with a excessive quantity of invoices in varied codecs from completely different distributors.

Worth comparability

Nanonets affords three pricing tiers:

1. Starter ($49/consumer/month or $199/month for five+ customers): Processes as much as 30 invoices/month – Contains vendor administration, customary ERP sync, fee through financial institution switch or bank card – Helps as much as 10 customers

2. Professional ($69/consumer/month or $499/month for 10+ customers): Handles as much as 150 invoices/month – Contains all Starter options – Helps as much as 30 customers

3. Plus ($99/consumer/month; customized enterprise pricing): Covers as much as 500 invoices/month – Provides customized integrations, API entry, devoted account supervisor, customized information retention, a number of licensing choices, personalised group coaching

Ramp has a free fundamental tier and prices $8/consumer/month for its premium plan, with additional charges for customized integrations and superior options. Whereas seemingly cheaper, prices can rise shortly for companies with many customers or complicated wants. Ramp’s pricing additionally would not scale with utilization, so firms could pay for unused options or outgrow the platform as bill quantity grows. Nanonets gives a extra versatile, clear, scalable pricing construction aligned with enterprise wants and development.

By linking worth to bill quantity and consumer depend, Nanonets lets firms pay just for what they use and simply accommodates elevated demand with out shock prices.

2. Brex

Brex is a San Francisco-based firm that gives an AI-powered spend administration platform. It’s a company card and spend administration platform that helps companies management bills, automate accounting, and streamline monetary operations. With strong expense monitoring, card administration, and AP capabilities, Brex is an all-in-one resolution.

Brex vs. Ramp comparability

Whereas each Brex and Ramp supply spend administration options, Brex excels in its company card providing and rewards program however lags behind Ramp in AP automation, international fee help, and pricing transparency. Ramp’s user-friendly interface and robust buyer help give it an edge over Brex.

Brex prime options

1. Company playing cards: Get playing cards with beneficiant limits and a streamlined software course of, enabling companies to entry funds shortly and simply.
2. Automated expense monitoring: Captures and categorizes bills, eliminating guide information entry and saving time for finance groups.
3. Customizable spend controls: Set granular spend limits, create approval workflows, and outline expense insurance policies to make sure compliance and forestall unauthorized purchases.
4. Receipt seize and matching: Simplifies expense reporting by permitting customers to simply seize receipts and match them to transactions.
5. Digital playing cards: Get digital playing cards that can be utilized for on-line transactions and recurring subscriptions, offering an added layer of safety and management.

Who’s Brex match for?

Brex primarily caters to venture-backed, fast-growing startups looking for to improve from legacy expense methods, optimize spend administration, and earn returns on unused money. It affords a variety of options for companies in search of an all-in-one spend administration resolution that features fundamental AP capabilities.

Brex’s rewards program is geared in direction of typical tech startup spending patterns, so companies in different sectors or with smaller money reserves could want alternate options like Ramp. Moreover, whereas Brex affords some AP performance, firms with excessive bill volumes or complicated AP necessities might have a extra devoted AP instrument.

Worth comparability

Brex has a tiered pricing construction with plans designed for various enterprise sizes and desires:

• Necessities: This free plan contains limitless international company playing cards, enterprise accounts, invoice pay, expense administration, and accounting integrations. It gives $6M in FDIC protection and a 4.90% yield on money balances.
• Premium: $12 per consumer monthly, including superior options like customized expense insurance policies, journey reserving, real-time budgeting, and devoted admin help.
• Enterprise: Customized pricing for big, international firms. Contains native playing cards and funds in 50+ nations, limitless coverage customization, superior permissions, and premium onboarding and help.

Whereas Ramp’s pricing could seem extra engaging initially, particularly for smaller companies, it is essential to think about every plan’s particular options and capabilities. Brex’s paid plans present a broader vary of options appropriate for firms with extra superior necessities.

3. Airbase

Airbase is a spend administration platform that mixes company playing cards, expense administration, and accounts payable automation right into a single, built-in resolution. Specializing in mid-market firms, Airbase goals to supply a complete platform for managing all non-payroll spending.

Airbase vs. Ramp comparability

Airbase and Ramp supply comparable spend administration capabilities, however Airbase stands out for its strong expense administration and accounts payable automation options, providing extra superior capabilities than Ramp in these areas. Ramp is extra user-friendly and has clear pricing.

Airbase prime options

1. All-in-one spend administration: Consolidates company playing cards, expense administration, and invoice funds right into a single, easy-to-use platform.
2. Highly effective approval workflows: Create customized approval workflows that match their distinctive insurance policies and organizational construction.
3. Clever receipt matching: Makes use of superior algorithms to match receipts to the corresponding transactions routinely.
4. Environment friendly buy order administration: Simplifies the acquisition order course of by permitting customers to create, approve, and observe POs immediately inside the platform.
5. Multi-entity help: Permits firms to handle spending throughout a number of entities whereas sustaining separate budgets, approval workflows, and reporting.

Who’s Airbase match for?

Airbase is a wonderful selection for mid-market firms in search of a complete spend administration resolution that goes past simply company playing cards. Its robust expense administration and AP automation capabilities go well with companies with extra complicated monetary workflows properly. Nevertheless, firms prioritizing a extra user-friendly interface or clear pricing could want alternate options like Ramp or Nanonets.

Worth comparability

Airbase affords three plans primarily based on firm measurement, with customized pricing: Customary: As much as ~200 staff, Premium: As much as 500 staff, and Enterprise: As much as 5,000 staff. It’s suited to midmarket software program and tech firms prioritizing spend administration, AP automation, and bigger enterprises needing customizable, real-time workflows throughout a number of subsidiaries.

In distinction, Ramp retains it easy with free core options and no hidden charges. It is nice for companies wanting clear, easy pricing to keep away from sophisticated pricing buildings and surprising prices.

4. Spendesk

Spendesk is a complete spend administration platform designed to assist companies streamline and management their bills, invoices, and company playing cards. Specializing in automation, real-time visibility, and ease of use, Spendesk goals to simplify the spend administration course of for finance groups and staff.

Spendesk vs. Ramp comparability

Whereas Spendesk and Ramp supply comparable spend administration options, Spendesk gives extra complete options, together with bill administration, compliance, and pre-accounting.

Spendesk prime options

1. Clever company playing cards: Spendesk affords limitless bodily and digital playing cards with built-in controls, empowering staff whereas sustaining monetary management.
2. Actual-time funds monitoring: Monitor and optimize budgets in real-time with highly effective reporting options, enabling knowledgeable spending selections.
3. All-in-one spend administration: Consolidates company playing cards, expense administration, and invoice funds right into a single platform.
4. Highly effective approval workflows: Create customized workflows matching distinctive insurance policies and organizational buildings.
5. Environment friendly buy order administration: Simplifies the acquisition order course of by permitting customers to create, approve, and observe POs immediately inside the platform.

Who’s Spendesk match for?

Spendesk caters to companies in search of a complete spend administration resolution past company playing cards. Its robust expense administration and AP automation capabilities go well with firms with extra complicated monetary workflows. 

Worth comparability

Spendesk would not disclose particular pricing upfront. It’s a must to contact their gross sales group to get a customized quote. In distinction, Ramp affords clear pricing with a free core and paid plan at $8/consumer/month.

5. Navan

Navan, previously TripActions, is an all-in-one journey administration and expense platform that simplifies enterprise journey and expense reporting. It affords a user-friendly interface, integrates with varied company card options, and gives built-in journey reserving capabilities. Navan is a well-liked different to legacy expense administration options and is appropriate for companies of all sizes.

Navan vs. Ramp comparability

Navan and Ramp supply spend administration options, however Navan excels in journey administration and reserving whereas offering strong expense monitoring options. Ramp focuses extra on normal spend administration and AP automation.

Navan prime options

1. Built-in journey reserving: Ebook flights, inns, and transportation immediately inside the platform, with entry to unique offers and reductions.
2. Automated expense monitoring: Captures and categorizes bills from varied sources, together with company playing cards, receipts, and journey bookings.
3. Customizable insurance policies: Outline and implement journey and expense insurance policies to make sure compliance and management prices.
4. Cell app: Handle bills, guide journey, and submit receipts on the go together with Navan’s user-friendly cellular app.
5. Complete reporting: Generate detailed studies on journey and expense information to realize insights and optimize spending.

Who’s Navan match for?

Navan is a perfect resolution for companies of all sizes that prioritize journey administration, reserving, and expense monitoring. Its user-friendly interface, cellular app, and robust buyer help make it a well-liked selection for firms trying to streamline their journey and expense processes. Companies primarily centered on AP automation or extra complicated spend administration wants could want extra well-rounded alternate options.

Worth comparability

Navan affords a free expense administration plan, which incorporates company playing cards, for a corporation’s first 50 month-to-month lively customers. For companies with greater than 50 month-to-month lively customers, you have to contact their gross sales group for a customized quote. A direct comparability with Ramp isn’t potential because of Navan’s lack of clear pricing data.

6. SAP Concur

SAP Concur is an built-in journey, expense, and bill administration options that assist firms handle journey bookings and worker bills with customizable workflows, approvals, and studies. The product guides staff by way of journeys, routinely populates prices into expense studies, and streamlines bill approvals. It additionally hyperlinks bank card exercise to streamline the expense reporting course of and makes use of real-time information and AI to audit transactions.

SAP Concur vs. Ramp comparability

SAP Concur and Ramp each supply spend administration capabilities. SAP Concur primarily focuses on journey and expense administration for bigger enterprises, whereas Ramp targets startups and SMBs with broader spend administration and AP automation options. Though SAP Concur has extra strong journey administration options, its interface is clunky and troublesome to navigate in comparison with Ramp.

SAP Concur prime options

1. Built-in journey and expense administration: Manages journey bookings and bills in a single platform, simplifying the method for workers and finance groups.

2. Customizable expense insurance policies: Outline and implement firm expense insurance policies to make sure compliance and management prices.

3. Cell app: Seize receipts, submit bills, and handle approvals on the go together with the cellular app.

4. Detailed reporting and analytics: Generate studies on journey and expense information to realize insights and optimize spending.

5. Integration with ERP methods: Seamlessly combine with SAP ERP and different fashionable accounting methods to streamline monetary processes.

Who’s SAP Concur match for?

SAP Concur most closely fits massive enterprises with important journey bills and complicated expense administration wants. Its strong function set and integration with SAP ERP methods make it a well-liked selection for firms already utilizing SAP options. Nevertheless, smaller companies or these primarily centered on AP automation and normal spend administration could discover different extra appropriate and user-friendly alternate options.

Worth comparability

SAP Concur doesn’t publicly disclose its pricing, requiring potential prospects to contact their gross sales group for a customized quote primarily based on their wants and utilization. In distinction, Ramp affords a extra clear and reasonably priced pricing mannequin, with a free core plan and a paid plan at $8/consumer/month for added options.

7. BILL Spend & Expense (previously Divvy)

BILL Spend & Expense, beforehand often known as Divvy, is an all-in-one expense administration resolution that provides companies real-time visibility and customizable management over their funds. Following BILL’s acquisition of Divvy, the platform was rebranded as BILL Spend & Expense.

BILL Spend & Expense vs. Ramp comparability

Whereas each BILL Spend & Expense and Ramp supply company playing cards and expense administration options, BILL Spend & Expense focuses extra on journey rewards with an advanced factors system. In distinction, Ramp gives a extra easy, flat-rate cashback construction. Ramp’s interface is extra intuitive and user-friendly than BILL Spend & Expense’s.

BILL Spend & Expense prime options

1. Mixed company playing cards and expense administration software program: Provides a free expense administration platform paired with company playing cards for complete spend management.

2. Actual-time visibility: Supplies real-time insights into company-wide spending, permitting companies to make knowledgeable monetary selections.

3. Customizable spend controls: Set spending limits, create budgets, and set up approval workflows to make sure compliance with firm insurance policies.

4. Journey rewards program: Earn as much as exponential factors on travel-related bills like eating places and inns, redeemable for assertion credit or journey purchases.

5. Vendor fee companies: Handle and pay vendor invoices immediately by way of the platform, incomes cashback rewards on funds.

Who’s BILL Spend & Expense match for?

BILL Spend & Expense is an effective match for small to medium-sized companies, notably these with important journey bills that may profit from the platform’s journey rewards program. Additionally it is appropriate for firms in search of a mixed company card and expense administration resolution with real-time visibility and spend controls. Nevertheless, companies with extra complicated AP automation wants or these looking for a extra user-friendly interface could must look elsewhere.

Worth comparability

BILL Spend & Expense affords a free expense administration platform. The company card program prices are primarily based on transaction quantity and fee processing charges. Whereas this may increasingly appear engaging initially, the prices can add up shortly with excessive transaction volumes.

Ramp gives a extra clear and predictable pricing construction, with a free core plan and a paid plan at $8/consumer/month for added options.

8. Rho

Rho is a complete finance platform that mixes company playing cards, AP automation, banking, and treasury administration right into a single, built-in resolution. Designed to assist companies streamline their monetary operations, Rho affords a user-friendly interface and highly effective options that cater to the wants of recent finance groups.

Rho vs. Ramp comparability

Rho and Ramp are two spend administration platforms with strong capabilities, however Rho stands out as a extra complete, all-in-one monetary administration resolution. Each are equally straightforward to make use of general, however Rho is taken into account simpler to arrange and administer. Rho affords company playing cards, AP automation, built-in banking, and treasury administration companies, offering customers with higher visibility into money stream. Alternatively, Ramp has a user-friendly interface and stable expense-tracking options however lacks built-in banking and has restricted AP automation.

Rho prime options

1. Company playing cards: Get bodily and digital playing cards with customizable spend limits, class restrictions, and real-time alerts.

2. AP automation: Streamline bill processing, approvals, and funds with automated workflows and seamless integration with accounting methods.

3. Built-in banking: Entry FDIC-insured financial institution accounts, home and worldwide wires, and different banking companies immediately inside the platform.

4. Treasury administration: Optimize money stream and earn aggressive rates of interest with Rho’s treasury administration options.

Who’s Rho match for?

Rho is a wonderful selection for companies of all sizes in search of a complete monetary administration resolution that goes past spend administration. Its built-in banking and treasury administration capabilities go well with firms with complicated monetary operations or these trying to consolidate their monetary tech stack properly. It is also match for startups and rising companies that need an all-in-one finance resolution.

Worth comparability

Rho affords clear, usage-based pricing. The platform is free, with no month-to-month charges or minimal balances required. Clients solely pay for the companies they use, equivalent to outgoing wires or cease funds.

In distinction, Ramp’s pricing might be much less clear, with sure options and integrations locked behind paid plans or customized pricing tiers. Whereas Ramp’s fundamental plan is free, companies could pay extra as they scale or require superior options.

Components to think about when selecting a Ramp different

A number of key components have to be thought of when evaluating Ramp alternate options to make sure you choose one of the best resolution for what you are promoting wants. Whereas Ramp affords a stable spend administration platform, it might not be ideally suited for each group, notably these with complicated AP workflows or looking for a extra complete, AI-driven resolution.

1. AI-powered bill processing: Select a platform that harnesses the facility of AI and ML to streamline bill information seize and extraction. It ought to supply instantaneous studying AI that may adapt to varied bill codecs and layouts with out in depth pre-training. This permits quicker, extra correct processing and reduces guide effort in comparison with Ramp’s restricted AI capabilities.

2. Seamless accounting integrations: Make sure the Ramp different you choose integrates seamlessly along with your present accounting software program and ERP methods. It ought to present strong, pre-built connectors for fashionable platforms like QuickBooks, Xero, Sage, and extra, API entry and Zapier integration for customized connections. This enables for easy information stream and minimizes disruption to your present processes, a key benefit over Ramp’s extra restricted integration choices.

3. Customizable workflows and approvals: Search for an answer that gives versatile, customizable workflows to match your distinctive enterprise necessities. The choice ought to allow you to create customized approval sequences primarily based on standards like vendor, quantity, or division, making certain that invoices are routed to the best individuals on the proper time. With automated reminders and escalations, you’ll be able to forestall bottlenecks and hold your AP course of shifting ahead effectively.

4. Complete audit trails and compliance: To keep up monetary transparency and adjust to laws, select a Ramp different that prioritizes safety and gives detailed audit trails. Choose a substitute that routinely captures a whole historical past of each motion taken on an bill, making it straightforward to trace adjustments and preserve accountability. It ought to have superior options like duplicate bill detection and 3-way matching to assist forestall errors and fraud, making certain your AP course of stays compliant and safe.

5. Consumer-friendly interface: An intuitive, user-friendly interface is essential for adoption and effectivity. Guarantee the choice affords a clear, easy-to-navigate dashboard that simplifies complicated AP duties and requires minimal coaching. Customers ought to be capable of submit and approve invoices on the go, making certain that your AP course of continues uninterrupted even when group members are away from their desks.

6. Scalability and international help: As what you are promoting grows, your spend administration and AP resolution ought to be capable of scale with you. The instrument you choose must be designed to deal with rising bill volumes and complicated workflows. Search for multi-language and multi-currency help. It lets you course of invoices from worldwide distributors and broaden your operations globally, one thing Ramp lacks.

Ramp FAQs

Ultimate ideas

Selecting the right spend administration and AP platform is important for companies trying to streamline funds. Ramp’s options could not match each enterprise, particularly these with complicated wants. Your best option relies on every firm’s distinctive targets, however many options exist.

Search for a platform that drives effectivity, value financial savings, and success. It must be user-friendly, insightful, and tailor-made to your wants. With the best instrument, you may simplify accounting processes considerably.