Ramp is a fast-growing spend management platform that provides modern corporate card and accounts payable solutions. It’s especially popular among startups and SMBs seeking to streamline expense reporting. Ramp automates receipt matching, integrates with other accounting software, and simplifies the spend management process.

But every company is different. You might need advanced features like global AP automation, robust ERP integration, seamless digitization, or deeper accounting functionalities that Ramp may not provide. That’s why it’s wise to check out Ramp alternatives.

In this comprehensive guide, we’ll examine the top 8 Ramp competitors, including Nanonets, Brex, Airbase, and more. We’ll break down each platform’s key features, strengths, and pricing so you can find your perfect AP and spend management partner.

What is Ramp?

Ramp is a spend management platform that combines corporate cards with powerful expense management and accounting automation. Its mission is to help businesses streamline spending, save time and money, and gain real-time visibility into company-wide expenses.

Key features of Ramp include:

• Corporate cards: Get physical and virtual cards with custom spend controls
• Expense management: Real-time expense tracking, categorization, and reporting.
• Accounts payable automation: Automates the entire AP workflow, from invoice capture to payment processing.
• Accounting integration: Seamless syncing with QuickBooks, Xero, NetSuite, and more.
• Spend controls: Set budgets, limits, and approval workflows to enforce expense policies.

Top Ramp alternatives and competitors

Ramp offers a user-friendly interface and powerful automation capabilities. However, it may not be ideal for businesses with complex accounting requirements or those seeking a comprehensive, fully automated procure-to-pay solution.

Luckily, many excellent Ramp alternatives offer robust features and unique benefits. Let’s explore them.

1. Nanonets

Nanonets is a game-changer for accounts payable teams. Its AI-powered solution, Flow, automates the entire procure-to-pay process, from intelligent invoice data capture to automated approval workflows and seamless accounting integration.

Flow’s user-friendly interface makes it easy to navigate and saves time by minimizing errors and manual tasks. With end-to-end visibility, AP teams can focus on higher-value activities instead of getting bogged down in paperwork. 

Nanonets vs. Ramp comparison

Nanonets Flow is a robust, scalable solution for businesses seeking full AP automation, from invoice intake to payment. It uses advanced AI and OCR to handle complex, multi-format invoices, while Ramp’s AI is more limited. Nanonets does 3-way matching invoices, POs, and receipts; Ramp only does 2-way matching. Nanonets has customizable approval workflows for complex hierarchies, a vendor portal for communication and document sharing, and detailed AP analytics. Ramp is better for companies needing corporate cards and essential expense management with light AP automation.

Feature	Nanonets Rating	Ramp Rating
Invoice data capture & extraction	5	4
AI & machine learning capabilities	5	4
3-way matching	4	3
Customizable approval workflows	5	4
ERP & accounting integrations	4	4
Payment options & global support	4	4
Vendor management portal	4	3
Spend analytics & reporting	3	4
User interface & ease of use	4.5	5
End-to-end AP automation	5	3

Nanonets top features

1. AI-powered data capture: Accurately extract data from invoices, reducing manual entry and errors.
2. Multi-format invoice processing: Handles invoices in various formats, including PDFs, scans, and emails.
3. 3-way matching: Automatically matches invoices with POs and receipts to prevent discrepancies and fraud.
4. Customizable workflows: Create custom approval workflows based on vendor, amount, department, and more.
5. Extensive integrations: Seamlessly integrate with Zapier, Google Drive, Zendesk, Typeform, Shopify, QuickBooks, Xero, Sage, and many other apps to automate tasks, sync data, and streamline AP processes.
6. Vendor portal: Communicate with vendors, track status, and manage documents in one centralized hub.
7. Analytics dashboard: Gain real-time visibility into AP metrics, bottlenecks, and improvement opportunities.

Who is Nanonets a good fit for?

Nanonets is perfect for businesses of all sizes looking to eliminate manual invoice processing, streamline complex approval workflows across multiple departments or locations, seamlessly integrate with their accounting systems, and efficiently handle a high volume of invoices in various formats from different vendors.

Price comparison

Nanonets offers three pricing tiers:

1. Starter ($49/user/month or $199/month for 5+ users): Processes up to 30 invoices/month – Includes vendor management, standard ERP sync, payment via bank transfer or credit card – Supports up to 10 users

2. Pro ($69/user/month or $499/month for 10+ users): Handles up to 150 invoices/month – Includes all Starter features – Supports up to 30 users

3. Plus ($99/user/month; custom enterprise pricing): Covers up to 500 invoices/month – Adds custom integrations, API access, dedicated account manager, custom data retention, multiple licensing options, personalized team training

Ramp has a free basic tier and charges $8/user/month for its premium plan, with extra fees for custom integrations and advanced features. While seemingly cheaper, costs can rise quickly for businesses with many users or complex needs. Ramp’s pricing also doesn’t scale with usage, so companies may pay for unused features or outgrow the platform as invoice volume grows. Nanonets provides a more flexible, transparent, scalable pricing structure aligned with business needs and growth.

By linking price to invoice volume and user count, Nanonets lets companies pay only for what they use and easily accommodates increased demand without surprise costs.

2. Brex

Brex is a San Francisco-based company that offers an AI-powered spend management platform. It is a corporate card and spend management platform that helps businesses control expenses, automate accounting, and streamline financial operations. With robust expense tracking, card management, and AP capabilities, Brex is an all-in-one solution.

Brex vs. Ramp comparison

While both Brex and Ramp offer spend management solutions, Brex excels in its corporate card offering and rewards program but lags behind Ramp in AP automation, global payment support, and pricing transparency. Ramp’s user-friendly interface and strong customer support give it an edge over Brex.

Feature	Brex Rating	Ramp Rating
Invoice data capture & extraction	4	4
AI & machine learning capabilities	3	4
3-way matching	3	3
Customizable approval workflows	4	4
ERP & accounting integrations	4	4
Payment options & global support	4	4
Vendor management portal	3	3
Spend analytics & reporting	4	4
User interface & ease of use	4	5
End-to-end AP automation	4	3

Brex top features

1. Corporate cards: Get cards with generous limits and a streamlined application process, enabling businesses to access funds quickly and easily.
2. Automated expense tracking: Captures and categorizes expenses, eliminating manual data entry and saving time for finance teams.
3. Customizable spend controls: Set granular spend limits, create approval workflows, and define expense policies to ensure compliance and prevent unauthorized purchases.
4. Receipt capture and matching: Simplifies expense reporting by allowing users to easily capture receipts and match them to transactions.
5. Virtual cards: Get virtual cards that can be used for online transactions and recurring subscriptions, providing an added layer of security and control.

Who is Brex a good fit for?

Brex primarily caters to venture-backed, fast-growing startups seeking to upgrade from legacy expense systems, optimize spend management, and earn returns on unused cash. It offers a wide range of features for businesses looking for an all-in-one spend management solution that includes basic AP capabilities.

Brex’s rewards program is geared towards typical tech startup spending patterns, so businesses in other sectors or with smaller cash reserves may prefer alternatives like Ramp. Additionally, while Brex offers some AP functionality, companies with high invoice volumes or complex AP requirements may need a more dedicated AP tool.

Price comparison

Brex has a tiered pricing structure with plans designed for different business sizes and needs:

• Essentials: This free plan includes unlimited global corporate cards, business accounts, bill pay, expense management, and accounting integrations. It provides $6M in FDIC coverage and a 4.90% yield on cash balances.
• Premium: $12 per user per month, adding advanced features like custom expense policies, travel booking, real-time budgeting, and dedicated admin support.
• Enterprise: Custom pricing for large, global companies. Includes local cards and payments in 50+ countries, unlimited policy customization, advanced permissions, and premium onboarding and support.

While Ramp’s pricing may seem more attractive initially, especially for smaller businesses, it’s crucial to consider each plan’s specific features and capabilities. Brex’s paid plans provide a broader range of features suitable for companies with more advanced requirements.

3. Airbase

Airbase is a spend management platform that combines corporate cards, expense management, and accounts payable automation into a single, integrated solution. Focusing on mid-market companies, Airbase aims to provide a comprehensive platform for managing all non-payroll spending.

Airbase vs. Ramp comparison

Airbase and Ramp offer similar spend management capabilities, but Airbase stands out for its robust expense management and accounts payable automation features, offering more advanced capabilities than Ramp in these areas. Ramp is more user-friendly and has transparent pricing.

Feature	Airbase Rating	Ramp Rating
Invoice data capture & extraction	4	4
AI & machine learning capabilities	4	4
3-way matching	4	3
Customizable approval workflows	5	4
ERP & accounting integrations	4	4
Payment options & global support	4	4
Vendor management portal	4	3
Spend analytics & reporting	4	4
User interface & ease of use	4	5
End-to-end AP automation	3	3

Airbase top features

1. All-in-one spend management: Consolidates corporate cards, expense management, and bill payments into a single, easy-to-use platform.
2. Powerful approval workflows: Create custom approval workflows that match their unique policies and organizational structure.
3. Intelligent receipt matching: Uses advanced algorithms to match receipts to the corresponding transactions automatically.
4. Efficient purchase order management: Simplifies the purchase order process by allowing users to create, approve, and track POs directly within the platform.
5. Multi-entity support: Allows companies to manage spending across multiple entities while maintaining separate budgets, approval workflows, and reporting.

Who is Airbase a good fit for?

Airbase is an excellent choice for mid-market companies looking for a comprehensive spend management solution that goes beyond just corporate cards. Its strong expense management and AP automation capabilities suit businesses with more complex financial workflows well. However, companies prioritizing a more user-friendly interface or transparent pricing may prefer alternatives like Ramp or Nanonets.

Price comparison

Airbase offers three plans based on company size, with custom pricing: Standard: Up to ~200 employees, Premium: Up to 500 employees, and Enterprise: Up to 5,000 employees. It is suited for midmarket software and tech companies prioritizing spend management, AP automation, and larger enterprises needing customizable, real-time workflows across multiple subsidiaries.

In contrast, Ramp keeps it simple with free core features and no hidden fees. It’s great for businesses wanting transparent, straightforward pricing to avoid complicated pricing structures and unexpected charges.

4. Spendesk

Spendesk is a comprehensive spend management platform designed to help businesses streamline and control their expenses, invoices, and corporate cards. Focusing on automation, real-time visibility, and ease of use, Spendesk aims to simplify the spend management process for finance teams and employees.

Spendesk vs. Ramp comparison

While Spendesk and Ramp offer similar spend management features, Spendesk provides more comprehensive features, including invoice management, compliance, and pre-accounting.

Feature	Spendesk Rating	Ramp Rating
Invoice data capture & extraction	4	4
AI & machine learning capabilities	4	4
3-way matching	4	3
Customizable approval workflows	4	4
ERP & accounting integrations	4	4
Payment options & global support	4	4
Vendor management portal	4	3
Spend analytics & reporting	4	4
User interface & ease of use	4	5
End-to-end AP automation	4	3

Spendesk top features

1. Intelligent corporate cards: Spendesk offers unlimited physical and virtual cards with built-in controls, empowering employees while maintaining financial control.
2. Real-time budget tracking: Monitor and optimize budgets in real-time with powerful reporting features, enabling informed spending decisions.
3. All-in-one spend management: Consolidates corporate cards, expense management, and bill payments into a single platform.
4. Powerful approval workflows: Create custom workflows matching unique policies and organizational structures.
5. Efficient purchase order management: Simplifies the purchase order process by allowing users to create, approve, and track POs directly within the platform.

Who is Spendesk a good fit for?

Spendesk caters to businesses looking for a comprehensive spend management solution beyond corporate cards. Its strong expense management and AP automation capabilities suit companies with more complex financial workflows. 

Price comparison

Spendesk doesn’t disclose specific pricing upfront. You have to contact their sales team to get a custom quote. In contrast, Ramp offers transparent pricing with a free core and paid plan at $8/user/month.

5. Navan

Navan, formerly TripActions, is an all-in-one travel management and expense platform that simplifies business travel and expense reporting. It offers a user-friendly interface, integrates with various corporate card solutions, and provides built-in travel booking capabilities. Navan is a popular alternative to legacy expense management solutions and is suitable for businesses of all sizes.

Navan vs. Ramp comparison

Navan and Ramp offer spend management solutions, but Navan excels in travel management and booking while providing robust expense tracking features. Ramp focuses more on general spend management and AP automation.

Feature	Navan Rating	Ramp Rating
Invoice data capture & extraction	4	4
AI & machine learning capabilities	4	4
3-way matching	2.5	3
Customizable approval workflows	3.5	4
ERP & accounting integrations	4	4
Payment options & global support	4	4
Vendor management portal	23	3
Spend analytics & reporting	5	4
User interface & ease of use	5	5
End-to-end AP automation	2.5	3

Navan top features

1. Integrated travel booking: Book flights, hotels, and transportation directly within the platform, with access to exclusive deals and discounts.
2. Automated expense tracking: Captures and categorizes expenses from various sources, including corporate cards, receipts, and travel bookings.
3. Customizable policies: Define and enforce travel and expense policies to ensure compliance and control costs.
4. Mobile app: Manage expenses, book travel, and submit receipts on the go with Navan’s user-friendly mobile app.
5. Comprehensive reporting: Generate detailed reports on travel and expense data to gain insights and optimize spending.

Who is Navan a good fit for?

Navan is an ideal solution for businesses of all sizes that prioritize travel management, booking, and expense tracking. Its user-friendly interface, mobile app, and strong customer support make it a popular choice for companies looking to streamline their travel and expense processes. Businesses primarily focused on AP automation or more complex spend management needs may prefer more well-rounded alternatives.

Price comparison

Navan offers a free expense management plan, which includes corporate cards, for a company’s first 50 monthly active users. For businesses with more than 50 monthly active users, you must contact their sales team for a custom quote. A direct comparison with Ramp is not possible due to Navan’s lack of transparent pricing information.

6. SAP Concur

SAP Concur is an integrated travel, expense, and invoice management solutions that help companies manage travel bookings and employee expenses with customizable workflows, approvals, and reports. The product guides employees through trips, automatically populates charges into expense reports, and streamlines invoice approvals. It also links credit card activity to streamline the expense reporting process and uses real-time data and AI to audit transactions.

SAP Concur vs. Ramp comparison

SAP Concur and Ramp both offer spend management capabilities. SAP Concur primarily focuses on travel and expense management for larger enterprises, while Ramp targets startups and SMBs with broader spend management and AP automation solutions. Although SAP Concur has more robust travel management features, its interface is clunky and difficult to navigate compared to Ramp.

Feature	SAP Concur Rating	Ramp Rating
Invoice data capture & extraction	4	4
AI & machine learning capabilities	4	4
3-way matching	4	3
Customizable approval workflows	4	4
ERP & accounting integrations	4	4
Payment options & global support	4	4
Vendor management portal	3	3
Spend analytics & reporting	4	4
User interface & ease of use	3	5
End-to-end AP automation	4	3

SAP Concur top features

1. Integrated travel and expense management: Manages travel bookings and expenses in one platform, simplifying the process for employees and finance teams.

2. Customizable expense policies: Define and enforce company expense policies to ensure compliance and control costs.

3. Mobile app: Capture receipts, submit expenses, and manage approvals on the go with the mobile app.

4. Detailed reporting and analytics: Generate reports on travel and expense data to gain insights and optimize spending.

5. Integration with ERP systems: Seamlessly integrate with SAP ERP and other popular accounting systems to streamline financial processes.

Who is SAP Concur a good fit for?

SAP Concur best suits large enterprises with significant travel expenses and complex expense management needs. Its robust feature set and integration with SAP ERP systems make it a popular choice for companies already using SAP solutions. However, smaller businesses or those primarily focused on AP automation and general spend management may find other more suitable and user-friendly alternatives.

Price comparison

SAP Concur does not publicly disclose its pricing, requiring potential customers to contact their sales team for a custom quote based on their needs and usage. In contrast, Ramp offers a more transparent and affordable pricing model, with a free core plan and a paid plan at $8/user/month for additional features.

7. BILL Spend & Expense (formerly Divvy)

BILL Spend & Expense, previously known as Divvy, is an all-in-one expense management solution that gives businesses real-time visibility and customizable control over their finances. Following BILL’s acquisition of Divvy, the platform was rebranded as BILL Spend & Expense.

BILL Spend & Expense vs. Ramp comparison

While both BILL Spend & Expense and Ramp offer corporate cards and expense management features, BILL Spend & Expense focuses more on travel rewards with a complicated points system. In contrast, Ramp provides a more straightforward, flat-rate cashback structure. Ramp’s interface is more intuitive and user-friendly than BILL Spend & Expense’s.

Feature	BILL Spend & Expense Rating	Ramp Rating
Invoice data capture & extraction	4	4
AI & machine learning capabilities	4	4
3-way matching	3	3
Customizable approval workflows	4	4
ERP & accounting integrations	4	4
Payment options & global support	4	4
Vendor management portal	3	3
Spend analytics & reporting	4	4
User interface & ease of use	4	5
End-to-end AP automation	3	3

BILL Spend & Expense top features

1. Combined corporate cards and expense management software: Offers a free expense management platform paired with corporate cards for comprehensive spend control.

2. Real-time visibility: Provides real-time insights into company-wide spending, allowing businesses to make informed financial decisions.

3. Customizable spend controls: Set spending limits, create budgets, and establish approval workflows to ensure compliance with company policies.

4. Travel rewards program: Earn up to exponential points on travel-related expenses like restaurants and hotels, redeemable for statement credits or travel purchases.

5. Vendor payment services: Manage and pay vendor invoices directly through the platform, earning cashback rewards on payments.

Who is BILL Spend & Expense a good fit for?

BILL Spend & Expense is a good fit for small to medium-sized businesses, particularly those with significant travel expenses that can benefit from the platform’s travel rewards program. It is also suitable for companies looking for a combined corporate card and expense management solution with real-time visibility and spend controls. However, businesses with more complex AP automation needs or those seeking a more user-friendly interface may need to look elsewhere.

Price comparison

BILL Spend & Expense offers a free expense management platform. The corporate card program costs are based on transaction volume and payment processing fees. While this may seem attractive initially, the costs can add up quickly with high transaction volumes.

Ramp provides a more transparent and predictable pricing structure, with a free core plan and a paid plan at $8/user/month for additional features.

8. Rho

Rho is a comprehensive finance platform that combines corporate cards, AP automation, banking, and treasury management into a single, integrated solution. Designed to help businesses streamline their financial operations, Rho offers a user-friendly interface and powerful features that cater to the needs of modern finance teams.

Rho vs. Ramp comparison

Rho and Ramp are two spend management platforms with robust capabilities, but Rho stands out as a more comprehensive, all-in-one financial management solution. Both are equally easy to use overall, but Rho is considered easier to set up and administer. Rho offers corporate cards, AP automation, integrated banking, and treasury management services, providing users with greater visibility into cash flow. On the other hand, Ramp has a user-friendly interface and solid expense-tracking features but lacks built-in banking and has limited AP automation.

Feature	Rho Rating	Ramp Rating
Invoice data capture & extraction	4	4
AI & machine learning capabilities	4	4
3-way matching	4	3
Customizable approval workflows	5	4
ERP & accounting integrations	5	4
Payment options & global support	5	4
Vendor management portal	4	3
Spend analytics & reporting	4	4
User interface & ease of use	5	5
End-to-end AP automation	4	3

Rho top features

1. Corporate cards: Get physical and virtual cards with customizable spend limits, category restrictions, and real-time alerts.

2. AP automation: Streamline invoice processing, approvals, and payments with automated workflows and seamless integration with accounting systems.

3. Integrated banking: Access FDIC-insured bank accounts, domestic and international wires, and other banking services directly within the platform.

4. Treasury management: Optimize cash flow and earn competitive interest rates with Rho’s treasury management solutions.

Who is Rho a good fit for?

Rho is an excellent choice for businesses of all sizes looking for a comprehensive financial management solution that goes beyond spend management. Its integrated banking and treasury management capabilities suit companies with complex financial operations or those looking to consolidate their financial tech stack well. It’s also a good fit for startups and growing businesses that want an all-in-one finance solution.

Price comparison

Rho offers transparent, usage-based pricing. The platform is free, with no monthly fees or minimum balances required. Customers only pay for the services they use, such as outgoing wires or stop payments.

In contrast, Ramp’s pricing can be less transparent, with certain features and integrations locked behind paid plans or custom pricing tiers. While Ramp’s basic plan is free, businesses may pay more as they scale or require advanced features.

Factors to consider when choosing a Ramp alternative

Several key factors must be considered when evaluating Ramp alternatives to ensure you select the best solution for your business needs. While Ramp offers a solid spend management platform, it may not be ideal for every organization, particularly those with complex AP workflows or seeking a more comprehensive, AI-driven solution.

1. AI-powered invoice processing: Choose a platform that harnesses the power of AI and ML to streamline invoice data capture and extraction. It should offer instant learning AI that can adapt to various invoice formats and layouts without extensive pre-training. This enables faster, more accurate processing and reduces manual effort compared to Ramp’s limited AI capabilities.

2. Seamless accounting integrations: Ensure the Ramp alternative you select integrates seamlessly with your existing accounting software and ERP systems. It should provide robust, pre-built connectors for popular platforms like QuickBooks, Xero, Sage, and more, API access and Zapier integration for custom connections. This allows for smooth data flow and minimizes disruption to your current processes, a key advantage over Ramp’s more restricted integration options.

3. Customizable workflows and approvals: Look for a solution that offers flexible, customizable workflows to match your unique business requirements. The alternative should enable you to create custom approval sequences based on criteria like vendor, amount, or department, ensuring that invoices are routed to the right people at the right time. With automated reminders and escalations, you can prevent bottlenecks and keep your AP process moving forward efficiently.

4. Comprehensive audit trails and compliance: To maintain financial transparency and comply with regulations, choose a Ramp alternative that prioritizes security and provides detailed audit trails. Select a substitute that automatically captures a complete history of every action taken on an invoice, making it easy to track changes and maintain accountability. It should have advanced features like duplicate invoice detection and 3-way matching to help prevent errors and fraud, ensuring your AP process remains compliant and secure.

5. User-friendly interface: An intuitive, user-friendly interface is crucial for adoption and efficiency. Ensure the alternative offers a clean, easy-to-navigate dashboard that simplifies complex AP tasks and requires minimal training. Users should be able to submit and approve invoices on the go, ensuring that your AP process continues uninterrupted even when team members are away from their desks.

6. Scalability and global support: As your business grows, your spend management and AP solution should be able to scale with you. The tool you select should be designed to handle increasing invoice volumes and complex workflows. Look for multi-language and multi-currency support. It enables you to process invoices from international vendors and expand your operations globally, something Ramp lacks.

Ramp FAQs

Final thoughts

Choosing the correct spend management and AP platform is vital for businesses looking to streamline finances. Ramp’s features may not fit every business, especially those with complex needs. The best choice depends on each company’s unique goals, but many solutions exist.

Look for a platform that drives efficiency, cost savings, and success. It should be user-friendly, insightful, and tailored to your needs. With the right tool, you’ll simplify accounting processes significantly.

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• Source: https://nanonets.com/blog/ramp-competitors-and-alternatives/