Brex vs Ramp
expense management head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Free tier available | Free tier available |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365, Xero | NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365, Xero, Acumatica, Oracle Fusion Cloud, Workday |
| Vendor | Brex | Ramp |
Our take
Two card-led spend platforms with different centres of gravity. Brex's evidenced edges are travel (integrated booking, trip management, travel-to-expense linkage) and multi-entity/international card issuance. Ramp's are expense mechanics — OCR and email receipt capture, mileage, per-diem automation — and point-of-spend policy enforcement, on a free core tier monetized by interchange. Global structure favours Brex; policy automation and price favour Ramp.
Choose Brex if…
- International entities need cards issued locally — multi-entity issuance is the evidenced strength
- Travel booking belongs in the same platform as the spend it generates
Choose Ramp if…
- You want policy enforced when the card is swiped, not chased at month-end
- Reimbursement mechanics at volume: mileage, per diems, receipt capture by email
- The free core tier matters — like-for-like, it's the cheaper platform to run
Where they differ
The 21 capabilities (of 47 in the expense management taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Per-card spend limits and merchant controlsCorporate Card Management | Not evidenced | Core strength Per-card spend limits and merchant/category restrictions |
| Real-time spend controlsCorporate Card Management | Not evidenced | Core strength Real-time spend controls enforced at the card level |
| Multi-entity and international card issuanceCorporate Card Management | Core strength Multi-entity and international card issuance | Not evidenced |
| Configurable expense policy rulesPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Configurable spend policies by card, vendor, category, department |
| Integrated travel bookingTravel Management | Core strength In-app travel booking | Not evidenced |
| Department / project budgetsBudgeting, Spend Visibility & Reporting | Core strength Budgets with auto-enforced spend rules | Not evidenced |
| Real-time budget enforcementBudgeting, Spend Visibility & Reporting | Core strength Budgets with auto-enforced spend rules | Not evidenced |
| Real-time spend dashboardsBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Spend dashboards and savings insights |
| Savings and spend-optimization insightsBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Spend dashboards and savings insights |
| Receipt OCR captureExpense & Receipt Capture | Not evidenced | Supported Receipt OCR and matching |
| Email-forwarded receipt captureExpense & Receipt Capture | Not evidenced | Supported Email-forwarded receipt capture |
| Receipt itemizationExpense & Receipt Capture | Supported Auto-generated itemized receipts | Not evidenced |
| Mileage tracking and reimbursementExpense & Receipt Capture | Not evidenced | Supported Mileage and per diem reimbursement |
| Per diem automationExpense & Receipt Capture | Not evidenced | Supported Mileage and per diem reimbursement |
| Card feed import and reconciliationCorporate Card Management | Not evidenced | Supported Automated reconciliation of card spend |
| Out-of-policy flaggingPolicy, Compliance & Fraud Controls | Not evidenced | Supported Out-of-policy flagging and exceptions |
| Out-of-pocket expense reimbursementReimbursement & Payouts | Not evidenced | Supported Out-of-pocket expense submission |
| Invoice approval routingAccounts Payable / Invoice Management | Not evidenced | Supported Bill approval routing |
| Itinerary and trip-change managementTravel Management | Supported Itinerary changes and management | Not evidenced |
| Travel-to-expense linkageTravel Management | Supported Travel spend tied to expense workflows | Not evidenced |
| SSO and enterprise identity integrationPlatform, Administration & Integrations | Supported SSO and enterprise identity provider support | Not evidenced |
Both grade identically on the other 26 capabilities — see each product's full profile: Brex, Ramp.
Brex vs Ramp — FAQs
Is Brex or Ramp better for ERP integration?
Both state integrations with NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365, Xero. Ramp additionally lists Acumatica, Oracle Fusion Cloud, Workday. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Brex or Ramp?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Brex and Ramp should each cost you — and whether a third option belongs on your shortlist.