The 11 best Ramp competitors in 2024

Ramp is a spend management startup that offers corporate credit cards, expense management, and accounts payable capabilities that help companies save time and money. 

To help you evaluate spend management providers, this article reviews Ramp and the best Ramp competitors based on insights gathered from the Ramp website and G2 reviews.

Key highlights: 

• Strengths: Ramp offers several key spend management capabilities designed to control spend and automate expense, AP, and accounting workflows. 
• Weaknesses: Unlike Rho, Ramp lacks integrated business banking and treasury capabilities, charges fees for Same Day Same Day ACHs and wires, and you can only access features like accounting integrations, certain spend controls, and priority support if you pay for a seat-based Ramp Plus or Ramp Enterprise membership.

What is Ramp?

Based in New York, Ramp is a fintech company initially launched in 2019 as a corporate card and expense management platform combo. It has since expanded its spend management product capabilities to include bill payments, procurement, and accounting integrations. 

Ramp’s mission is to help build healthier businesses and does so through its platform that helps firms control business spend, save time, and automate busywork. 

Who is Ramp best for?

Ramp is a viable alternative for businesses with manual expense and payment processes or using outdated tools like Concur or Bill.com that cause problems like expense receipt submission and invoice payment delays. 

However, it’s important to make note of the following: 

• Pricing: Ramp’s new tiered, per-seat pricing structure could contribute to increased SaaS fees. Key features like direct accounting integrations and custom approval workflows that were previously free are now only accessible if you pay for Ramp Plus, which costs $144 per user, billed annually. 
• Customer Support: Priority customer support and dedicated account management are available only with a Ramp Plus or Ramp Enterprise plan. 
• SaaS overload: Ramp could cause tech stack bloat since it does not offer built-in business banking or treasury capabilities like a more comprehensive solution like Rho offers. 

Suppose you’re an e-commerce business using legacy financial services and technology providers like American Express, Concur, or Bill.com. Ramp is a viable alternative in that case, but other, more comprehensive finance solutions are available on the market. 

We will cover them in more detail below. 

Ramp features

While Ramp initially launched on the heels of Brex with a corporate credit card for startups, it has since expanded the capabilities of its spend management platform. 

Here is a snapshot of Ramp’s offerings: 

• Corporate credit cards: Ramp charge cards offer up to 1.5% cashback on qualifying spending and customizable spend controls to help enforce your expense policy. 
• Expense management: Automated workflows that handle expense submissions as an alternative to traditional expense reports and software like SAP Concur. 
• Accounts payable automation: Automates data entry and manages invoice intake, bill recording, and payment processing. 
• Procurement: Workflows that help employees make procurement requests, manage vendor invoices and POs, get approvals, and issue cards to purchase. Ramp also recently acquired a procurement startup, Venue, to boost its capabilities. 
• Vendor management: Provides a single place to manage all current vendors backed with renewal reminders, contract details, and custom fields.
• Ramp Flex: A paid service that offers businesses additional float on vendor bills. For a fee, Ramp will pay your invoices with the intent of helping you with working capital management, and you are then responsible for repaying the amounts. 
• Ramp mobile app: Allows employees to upload expense receipts, use virtual cards, and perform other financial management tasks on the go. 
• Various automation sparklers: Features like a 1Password API and integrations with Gmail, Uber, Amazon Business, and Lyft. 
  

A few notes on Ramp Flex: 

• Ramp will pay vendors when requested, and users can repay Ramp over 30, 60, or 90 days. 
• Ramp will charge financing fees to your connected bank account throughout the term, then debit your connected bank account for the full amount at the end of the term.
• Ramp Flex fees for financing are based on the customer’s current cash balances, revenue and commerce data, and credit bureau information. Fees may change from one invoice to the next.
  

Ramp integrations

Ramp provides accounting and ERP integrations with Xero, Sage, NetSuite, QuickBooks Online, and more. 

Ramp pros

• Receipt matching: Users can easily match receipts sent by text or email.
• Reporting: Ramp provides a useful set of real-time reports. 
• Multiple finance features in one platform: Can help simplify your tech stack. 
• UX: The platform is intuitive and easy to navigate.

Ramp cons

• Ramp Plus feature wall: You must be a paying Ramp Plus or Ramp Enterprise customer to access previously free features like accounting integrations, custom approval workflows, or premium customer support. 
• No banking or treasury capabilities: Even if you use Ramp for spend management, you can’t replace a poor business banking experience or support from incumbents like Chase or Wells Fargo. 
• Banking transaction fees: Ramp charges to process Same Day ACHs and wires using external bank accounts. These charges can quickly add up if you have a high invoice volume. 
• Customer support: While Ramp claims to offer call, chat, and phone support on their website, “premium support” and “dedicated account management” are Ramp Plus and Ramp Enterprise features. 
• Cash-based underwriting: Ramp and Brex underwriting places a strong emphasis on the current cash balance compared to Rho's holistic underwriting approach.

For these reasons and more, businesses like Native Strategies opt to select Rho over Ramp. 

Ramp pricing

Some of Ramp’s basic features are free to use. However, many automation features are now paywalled behind Ramp Plus and Ramp Enterprise plans, including ERP integrations, purchase order management, and premium customer support. 

As of this article’s publishing date, Ramp Plus is $12 per user per month (when billed yearly; $15 per month otherwise). 

However, larger enterprise organizations must contact Ramp Sales for a more specific quote if they want important features like multi-entity support. 

Based on the factors above, here is a list of the best Ramp competitors on the market. 

The 11 best Ramp competitors in 2024

1. Rho

Based in New York, Rho is a comprehensive finance automation platform that empowers startups, SMBs, and middle-market companies with tools to boost their bottom line and operate more efficiently. 

In one platform, businesses can access corporate credit cards with spend controls, automated expense management and accounts payable, business banking, and treasury management – all without the fees Ramp requires to access similar features. 

Features          

• Rho Corporate Cards have built-in spend controls, expense management capabilities as needed, and the ability to earn up to 1.25% cashback on spending. 
• Rho Expense Management software provides tools to easily manage Rho Card spending, process expense reimbursements, and automate expense management.
• Rho AP Automation automates the end-to-end accounts payable process in just a few clicks and without payment delays or complicated Nacha files that some experience with point solutions thanks to Rho’s integrated business banking. 
• Rho Prime Treasury is a bespoke treasury management solution that helps customers invest their excess cash in short-dated government securities held directly in their company’s name.
• Rho Treasury Management Account, built on a network of over 400 FDIC-insured banks, that offers access up to $75M in FDIC deposit insurance per entity. 
  

Integrations

Rho integrates with QuickBooks Online, Oracle NetSuite, Microsoft Dynamics 365 Business Central, and Sage Intacct.  Rho also supports flat-file CSV exporting, so you can automatically tailor transaction categorization to your business needs.

Pros

• Responsive business banking: Rho clients enjoy fee-free business banking services like Same Day ACHs, DACAs, and responsive customer support.
• Dedicated customer support: Dedicated customer support available 24H Mon-Fri, 10-7pm ET on weekends to assist with any customer needs. 
• More comprehensive finance solution: Rho offers not only expense management, corporate cards, AP automation, and accounting but also business banking and treasury management – all in one platform. 
• No tiered payment plans: You don’t have to subscribe to Rho to access advanced features that you would have to subscribe to Ramp Plus or Ramp Enterprise to access. 
• Fraud prevention: Rho AP automation capabilities help prevent invoice fraud by freeing up your time to review invoices more thoroughly.
• Dynamic integrations: Rho can easily be integrated with your accounting, HR, and even other expense management platforms like Emburse and Certify. 
• Holistic underwriting: Unlike cash-based underwriting, Rho does not apply a single, one-size-fits-all approach to evaluating companies, which is one of the first ways we help businesses generate a higher, more stable limit.

Cons

• Straight cashback vs. points: Some companies prefer legacy corporate card solutions like American Express, Chase, or Capital One for the point rewards they offer, even if that impacts process speed. 

Best for

Just like middle-market companies, Rho is a great fit for startups. Founders use Rho as a single solution for corporate cards, expense management, payments, banking, and treasury. Startup founders can effectively manage finances with a lean team, saving time and money.

As startups start to scale, more streamlined approvals, a robust expense management solution, and structured workflows become necessary. 

This is where Rho shines - providing a comprehensive stack of financial tools that allow for unimpeded growth without needing platform changes. 

What customers say about Rho

"Rho's platform and unique credit underwriting model have transformed our finance operations. It's not just about having an integrated financial system; it's about doing more with less. With Rho, each of our finance team members can achieve the output of 10."—Sarah Green, a Senior Accounting Manager at Dr. Squatch

Pricing

The Rho platform is free, though the Rho Prime Treasury capability does have a small annual management fee which depends on the amount invested, but caps out at 0.60% . 

Did you know? Rho is also a popular finance platform among private equity-backed companies and CFOs thanks to our comprehensive spend management capabilities and multi-entity support. Contact Rho today to find out more.

2. Brex

Brex is a San Francisco-based company that began as a virtual reality startup in 2017 and is now offering an AI-powered spend management platform to challenge incumbents like American Express, SAP Concur, and Bill.com. 

How does Brex compare to Rho and Ramp? Read our latest post comparing Ramp vs Brex vs Rho to learn more.

Features

Following an initial launch as a virtual reality company, Brex pivoted to become a corporate card provider (powered by Mastercard), challenging American Express. Here are other services offered by Brex:

• Brex Empower: A corporate credit card expense management platform.
• Brex Travel: Travel capabilities integrated with Empower expense management.
• Brex Business Account: Business banking, access to money market funds.
• AP Automation: Offers AI-powered AP automation workflows like platforms such as Stampli.

Pros

• Card credit limits: Brex Card credit limits are based on the real-time and average 30-day cash balances in your linked bank accounts, offering flexibility and potentially higher credit limits to businesses with strong cash flows. 

• Continuous innovation: Brex continually innovates to provide a more seamless automation experience for customers. In recent months, Brex product announcements include centralized billing for Brex Travel, and the ability to automatically add Uber receipts to Brex transactions.

• Travel booking integration: The Brex travel booking system is integrated into the platform, and users can redeem rewards for flights and hotel bookings through Brex Travel.

Cons

• Customer support: Brex Essential customers experience delays and slow response times due to limited customer support. Customers must sign up for a Brex Premium or Brex Enterprise account to access more responsive, dedicated customer support.

• Required card payments: The Brex card is a charge card, and businesses must pay the entire card balance due each month. 

• Reward points devalued: Brex implemented a no-notice devaluation earlier this year, slashing airline transfer rates and redemption rates for cash and cryptocurrency redemptions. Some Brex reviews mention the pricing change as a source of frustration.

Best for

While it has attempted to move upmarket to enterprise-size businesses, Brex largely caters to venture-backed startups. In June of 2022, Brex announced it was leaving the small and medium-sized (SMB) market.

A Brex account also generally requires its customers to maintain a cash balance of at least $25,000 to maintain any credit limit.

Pricing

The company offers three pricing levels: Essentials, Premium, and Enterprise. 

As of this article’s publishing date, Brex Premium is $12 per user per month, but larger enterprise organizations must contact Brex Sales for a more specific quote if they would like to access more features and dedicated onboarding.

Several important features – like advanced ERP integrations that automate transaction reconciliation – are now under a paywall with Brex Essentials and Brex Premier. Brex customers must pay subscriptions for these modules.

3. Airbase

Airbase is a spend management platform for small and midsize companies. It combines comprehensive accounts payable, a corporate card program, and employee expense reimbursements into one system.

Features

Airbase automates accounting and operational workflows for a faster close, real-time reporting, and a consistent platform experience for all non-payroll spend. The company provides corporate cards, expense management, AP automation, & B2B payments.

Airbase has ERP integrations with NetSuite, Sage Intacct, and Xero. The company has additional integrations for bank and credit card platforms.

Pros

• Robust AP automation: OCR scanning, automated approvals, vendor portal
• ERP integrations: Effective integrations with NetSuite, Sage Intacct, and other software providers
• Ease of use: From a user perspective and administrator perspective

Cons

• Expensive fees: Fees charged for reimbursements, bill payments, and custom NetSuite fields
• No banking services: Airbase is an expense management platform, but does not offer any banking solutions
• Time lag before payments: According to some customer reviews, there is too much time between debiting the user’s bank account and paying funds to the vendor 

Best for

Airbase is an effective expense management system, but lacks the robust banking, AP, and treasury features of the other platforms, including Rho.

Pricing

Airbase offers Standard, Premium, and Enterprise pricing levels with unclear pricing. You have to reach out to Airbase to request a specific quote.  

4. Spendesk

Spendesk provides corporate cards and manages expenses, invoices, accounting automation, and budgeting. The company offers real-time reporting and several ERP integrations. 

Features

Businesses can issue corporate cards with built-in, adjustable spending controls. Customers can issue virtual or physical cards, and cards can be paused, updated, or canceled at any time. Managers can set up cards for single-use or recurring expenses, and track spending in real time.

The software captures receipts and automatically posts expenses to the correct GL accounts. The platform offers an automated process for spending approvals and invoice payments. Spendesk also provides integrations with QuickBooks, Xero, and NetSuite.

Pros

• The platform is intuitive: Users can easily navigate the platform
• Receipt uploads: Customers can take a photo of a receipt and quickly upload it to the platform
• Receipt emails: Receipts can be attached to emails or forwarded to a specific address

Cons

• Approval delays: Some users note that approved spending needs to be updated as approved in all cases. Approved spending may stay in review status in error
• Recurring expenses: Several users explained that they must enter data each month for the recurring expenses. Recurring expenses are not fully automated
• High cost: Spendesk is expensive, according to several reviewers

Best for

Spendesk was initially created to serve the SMB mid market, targeting customers with 50 to 1,000 employees. In particular, Spendesk focuses on mid market customers that need to manage business travel spending, subscription management, and invoice processing.

Pricing

Spendesk requires you to book a sales call to get a specific quote for each of the company’s four pricing levels.

5. Navan

Navan is a popular travel management and expense platform alternative to SAP Concur, thanks to its strong, user-friendly UI, ability to adapt to your corporate card solution, and built-in travel booking capabilities. 

Features

Navan’s platform automates transactions processed with Visa and Mastercard or using a Navan corporate card or your corporate card. 

Set up automated spending controls with the ability to change spending limits. Virtual cards can be integrated with each travel booking. The Navan Rewards program rewards employees for reducing travel costs.

Here are some additional benefits:

• Receipt submission: Users can take a photo of a receipt after making a payment, and the software automatically posts the related expense
• Notifications: Cardholders receive a notice to upload a receipt immediately after each purchase
• Incentives: Cardholders see incentives offerings for selecting flights and hotels when they book travel using Navan

Navan offers accounting integrations with QuickBooks, NetSuite, Xero, and more.

Why Navan + Rho

Did you know that Rho and Navan work well together? Pair Rho’s corporate card, banking, AP automation, and treasury with Navan’s best-in-class expense management and travel booking platform. Learn more today. 

Pricing

Expense management, which includes corporate cards, is free for a company’s first 50 monthly active users. Navan requires you to book a sales call to get a specific quote for businesses with more than 50 monthly active users. 

6. Precoro

Precoro operates a cloud-based SaaS solution for optimizing the procurement process, allowing users to build predictable automated spending workflows. Users can gather and process spending requests, approve purchases, and store documents in an automated platform.

Features

Precoro’s Supplier Onboarding is a dedicated portal where suppliers and AP teams can share data and communicate. Precoro customers can invite new vendors to the portal, collect data, and provide forms for vendors to complete before they are approved. 

Users can customize document fields, set up criteria-based approval workflows, and determine users' roles to create a smooth process for AP processing and vendor management. Precoro offers integrations with Xero, NetSuite, and QuickBooks Online (for some data).

Pros

• Smart notification feature: Alerts users if vendor agreements have yet to be received, helping users manage relationships closely.
• Two-way vendor capabilities: Vendors can update prices and delivery dates and respond to RFPs in the portal.
• Implementation support: Customer support is responsive during implementation.

Cons

• Approval workflows: Some users report that the workflows are too rigid and cannot be adapted to fit a company’s needs.
• Creating POs: Reviewers report that PO data cannot be copied and easily posted into a new PO. Creating POs requires too many clicks and steps to complete.
• Limited reports: Several reviews point out that Precoro doesn’t offer enough report options for managers.
• System access and uploading functionality: The system is not always available, and uploading large amounts of data is too time consuming, according to several reviewers.
• QuickBooks integration: Expense data is not integrated with QuickBooks.

Best for

Precoro serves both SMB and Enterprise customers, and the company positions itself as primarily a vendor management/ procurement solution. However, users experience a number of frustrations that make vendor management difficult. 

Pricing

Precoro offers Small and Large pricing levels. Small pricing is for companies with up to 20 users for $39 per user per month. Precoro requires you to book a sales call to get a specific quote for Large pricing. 

7. Pleo

Pleo offers automated expense management. Users can manage company card expenses, employee reimbursements, mileage reimbursement tracking, subscriptions, and invoices using Pleo. Note that Pleo is not available in the US.

Features

Pleo corporate cards allow users to set up approval workflows and spending limits by dollar amount or by vendor. The cards automatically capture receipts, and users can set up recurring payments. Managers can cancel cards at any time, and cardholders earn up to 1% cashback. 

Pleo provides real-time reporting of expenses for manager review, and Pleo has integrations with QuickBooks, Sage, and Xero.

Pros

• Employee reimbursements: The software speeds up reimbursements and handles mileage reimbursements.
• Spending controls: Controls are effective, and management receives timely reports.
• Mobile app: Users like the mobile app and the ability to easily upload receipts.

Cons

• High costs: Several reviewers feel that the cost is too high and are hesitant to pay more for additional features
• Fee confusion: Some users were confused about charges and felt that Pleo didn’t communicate effectively on fees
• Low balance notifications: Pleo should provide more balance notifications, according to some reviewers

Best for

As mentioned above, Pleo is not available in the US market, and the company focuses on European mid-market businesses that need spend management automation.

Pricing

Pleo has a free Starter level plan, while the Essential and Advanced plans charge monthly fees. All three plans allow up to three users. Pleo requires you to book a sales call to get a specific quote for more than three users.

8. Expensify

Expensify provides expense management software allowing employees to track and submit expenses for processing. The platform automates expense approval and processes employee reimbursements. Expensify Card manages credit card transactions within the platform.

Features

Expensify Card imports and provides expense tracking. The software generates an eReceipt for most card transactions, eliminating the need to scan receipts. Expensify performs real-time reviews of transactions and spending policies to detect fraudulent transactions.

Users earn up to 1% cashback on each transaction, and Expensify offers perks and discounts through 20+ partners. The platform integrates with several accounting software packages.

Pros

• Reimbursement process: Straightforward process with the ability to reimburse using direct deposit
• Mobile app: Using the app is intuitive and easy to navigate
• Reports tool: Reports can be created and easily shared with other people

Cons

• Receipt processing: Users need help scanning and uploading receipts on mobile and desktop. OCR does not always work well, and incorrect details are often picked up from receipts
• Product promotions: Several reviewers received too many inquiries promoting additional products. Too many pop-ups and notifications
• Billing practices: Several reviewers noted that the billing process could be clearer. Some believed that they were charged incorrectly after canceling Expensify
• Customer support: Many reviewers pointed out a lack of support and that issues were left unresolved for weeks or months

Best for

Small business owners with less complex needs may find Expensify to be a helpful solution. Larger companies that process more transactions and need more functionality will be frustrated with the platform. Expensify has more software performance issues than competitors such as Brex, Ramp, or Rho. 

Pricing

The price of Expensify depends on your plan and subscription type, number of users, and Expensify Card spend. The cost per user ranges from $0 per user per month to $36 per user per month, depending on your plan and the way you choose to pay.

The pricing structure of Expensify has been considered confusing and potentially too costly by some users, and grumblings about excessive promotions of additional products abound.

9. BILL.com

Following BILL’s announced acquisition of Divvy, BILL rebranded the Divvy credit card and expense management platform as BILL Spend & Expense. The company provides the BILL Divvy credit card, an AP automation solution, and accounts receivable software.

Features

The company offers credit cards, expense management, vendor management, and AR automation. BILL provides check, ACH and other EFTs, and other payment options, including international payments.

BILL’s corporate pricing level provides integrations with QuickBooks Online, QuickBooks Pro/Premier, and Xero. The Enterprise pricing level integrates with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, and other ERPs.

Pros

• Invoice processing: The solution generates invoices using email attachments from vendors
• Approval workflows: BILL can manage multiple invoice approvers
• AR support: BILL offers both AP and AR support

Cons

• UX: AP process and workflows are more complex than other AP automation providers
• Expensive: The solution can get expensive, depending on your organization's size and payment volume.
• Extensive workflows: Paying vendors requires more steps than other AP automation solutions
• Errors: G2 reviews indicate issues with payment times and responsive customer support

Best for

BILL can be expensive for organizations with significant payment volume. The BILL Spend and Expense has a complicated process for earning corporate card points and rewards.

Pricing

BILL’s corporate pricing level is $79 per user per month, and BILL offers Enterprise (custom pricing) for more complex organizations. You must contact sales to receive a price quote. 

There are additional fees for some ACH, check, and wire payments, which can quickly add up depending on your payment volume.

10. Mercury

Mercury is a financial technology company providing basic banking products and services tailored to VC-backed startups. Mercury offers a few cash management solutions, including Mercury Vault and the option to invest in money market funds. 

Features

Mercury offers FDIC-insured checking and savings accounts, Mercury Vault, which offers up to $5M in FDIC deposit insurance, and a treasury solution that allows businesses to invest cash in money market funds with high-liquidity portfolios powered by Vanguard and Morgan Stanley.

Mercury provides some limited integrations with QuickBooks and other ERPs. 

Pros

• Mercury Vault – product offers up to $5M in FDIC insurance through partner banks and sweep networks. 
• Relatively low minimum – Mercury Treasury is currently available to users with account balances over $500K.

Cons

• Customer support: No phone support is offered, chat support is not available on weekends, and reviews indicate customers struggle with customer support responsiveness. 
• Money market funds vs. T-Bills: Unlike Rho Prime Treasury, which invests corporate cash directly in U.S. Treasuries held in your name, Mercury invests in money market funds. Money market fund risks and rewards are explained in this article.
• Point-solution for cash management: Lacks multi-entity support and additional finance capabilities companies may want to integrate with banking, including AP automation and expense management. 

Best for

Mercury is great for startup businesses that are just getting started and want access to business banking services built into a technology platform with a good user experience. 

As growth-stage startups scale, they may need additional capabilities like multi-entity support, AP automation, and other important financial operations features. 

Pricing

Mercury offers fee-free banking services except for local currency exchanges and charges some fees for the administration of investments. 

11. SAP Concur

SAP Concur is a travel & expense management platform companies use to manage travel booking and employee expenses. Concur Expense provides automated expense management with customized workflows, approvals, and reports. Concur ExpenseIt links in credit card activity.

Features

SAP Concur includes integrations with banks and credit card companies. Users can upload and manage receipts for automated processing, and the platform can process currency conversions. The travel management tool can manage itineraries and book travel, along with expense management.

Managers can customize workflows and spending policies; the platform’s automation will follow the guidelines. Users can search for flights, car rentals, and hotel availability using ExpenseIt and review loyalty point balances.

Managers can also review real-time reports, storing all data and communications in one place. SAP Concur integrates with SAP’s ERP SAP S/4HANA, Oracle NetSuite, QuickBooks, Xero, and other ERPs.

Pros

• Travel integration: Travel expense management and mileage tracking controls are built into the same workflow.
• Brand recognition: SAP has been around for several decades as a brand that many Fortune 500 companies trust.
• Automated invoice approval process: Incorporates a level of automation into the invoice management process.

Cons

• UX: SAP Concur has a reputation for having a clunky user interface. According to reviews, the platform sometimes freezes, and the interface is difficult to navigate.
• Expensive: SAP Concur is enterprise-grade expense reporting software that typically has expensive contract fees.
• Receipt uploading: Some reviewers point out that uploading receipts is difficult, and users cannot upload receipts in batches

Best for

SAP Concur has been a de facto travel & expense platform for decades but has limited expense management capabilities. The interface seems old and difficult to navigate. Uploading receipts is time-consuming, and users need help to upload receipts in batches.

Concur Expense has limitations that make it difficult to process more card transactions as the company scales. Lastly, SAP Concur’s UX and expensive fees have led many companies to move to more modern solutions like Rho, which has the added benefit of having built-in AP, banking, and treasury. 

Pricing

You have to reach out to SAP Concur for specific pricing, but it can cost companies upwards of $10,000+ for annual usage. Learn how SAP Concur vs Rho compare.

What to look for in spend management software

Spend management software platforms helps finance teams automate many or all of the manual tasks that go into processing invoices via accounts payable and T&E employee spending. 

The best spend management platform has the following qualities: 

• You can process expenses and reimbursements on the same platform to pay dozens of invoices. 
• All transaction data is synced, preventing issues that cause headaches regarding month-end close. 
• Automation that streamlines traditionally manual processes like chasing approvals and expense receipts, coding transaction data in the general ledger, and payments. 
• Clear expense reporting can help you analyze spending and identify opportunities for cost savings. 
• It is an intuitive, easy-to-use user interface that is just as easy in the hands of an employee as it is with a member of finance. 
• Strong controls that help prevent wasteful spending and enforce policy compliance. 

Most importantly, spend management software saves your team time, allowing them to focus on high-impact work.

Wrap-up: A review of the best Ramp competitors 

Ramp is a useful spend management solution for businesses, but its fees and lack of key features may limit its utility for certain businesses. 

This is why many businesses consider Rho. With its scalable platform, Rho offers an end-to-end solution encompassing corporate cards, expense management, AP automation, business banking, and treasury management under one roof. 

This means startups and small- to medium-sized businesses do not have to juggle multiple services as they grow, saving time and streamlining operations. 

To learn more about Rho, schedule time with a Rho payments expert today!

Competitive data was collected as of February 13, and is subject to change or update.