Expensify vs Ramp
expense management head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | From $10/user/mo (published) | Free tier available |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Sage Intacct, QuickBooks, Xero | NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365, Xero, Acumatica, Oracle Fusion Cloud, Workday |
| Vendor | Expensify | Ramp |
Our take
Where Expensify leads
- Stronger evidenced coverage on 10 of the 20 capabilities where they differ (led by multi-currency expense capture and duplicate expense detection).
- Published pricing where the alternative quotes.
Where Ramp leads
- Stronger evidenced coverage on 10 of the 20 capabilities where they differ (led by per-card spend limits and merchant controls and real-time spend controls).
- Stated Microsoft Dynamics 365, Acumatica, Oracle Fusion Cloud, Workday integration the alternative doesn't list.
Where they differ
The 20 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 | ||
|---|---|---|
| Multi-currency expense captureExpense & Receipt Capture | Core strength Support for 150+ currencies | Not evidenced |
| Duplicate expense detectionExpense & Receipt Capture | Core strength Duplicate detection | Not evidenced |
| 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 |
| Accelerated reimbursementReimbursement & Payouts | Core strength Next-day reimbursement | Not evidenced |
| Contractor / non-employee reimbursementReimbursement & Payouts | Core strength Contractor reimbursement | Not evidenced |
| Vendor payment executionAccounts Payable / Invoice Management | Not evidenced | Core strength ACH, check and card vendor payments |
| Savings and spend-optimization insightsBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Spend dashboards and savings insights |
| Mobile app receipt captureExpense & Receipt Capture | Supported Snap photo, email-forward, or upload receipts | Not evidenced |
| Receipt itemizationExpense & Receipt Capture | Supported Automatic itemization and categorization | Not evidenced |
| Supplier invoice capture and OCRAccounts Payable / Invoice Management | Not evidenced | Supported Invoice capture and approval workflows |
| Invoice approval routingAccounts Payable / Invoice Management | Not evidenced | Supported Bill approval routing |
| Open APIPlatform, Administration & Integrations | Supported Open API | Not evidenced |
| HRIS / payroll integrationPlatform, Administration & Integrations | Supported Travel and HR/payroll integrations | Not evidenced |
| Receipt OCR captureExpense & Receipt Capture | Core strength SmartScan OCR extracting merchant, date and amount | Supported Receipt OCR and matching |
| Card feed import and reconciliationCorporate Card Management | Core strength Card feed import from 10,000+ banks globally | Supported Automated reconciliation of card spend |
| Configurable expense policy rulesPolicy, Compliance & Fraud Controls | Supported Policy rules and violation flagging | Core strength Configurable spend policies by card, vendor, category, department |
| AI-driven policy reviewPolicy, Compliance & Fraud Controls | Supported Concierge AI assistant | Core strength AI Policy Agent that reviews and approves transactions against policy |
| Real-time spend dashboardsBudgeting, Spend Visibility & Reporting | Supported Real-time spend visibility | Core strength Spend dashboards and savings insights |
| Prebuilt ERP / accounting connectorsPlatform, Administration & Integrations | Supported Direct integrations with QuickBooks, Xero, NetSuite and Sage Intacct. | Core strength Prebuilt real-time sync connectors to NetSuite, Sage Intacct, QuickBooks, Dynamics 365 Business Central and Xero. |
Both grade identically on the other 27 capabilities — see each product's full profile: Expensify, Ramp.
Expensify vs Ramp — FAQs
Is Expensify or Ramp better for ERP integration?
Both state integrations with NetSuite, Sage Intacct, QuickBooks, Xero. Ramp additionally lists Microsoft Dynamics 365, Acumatica, Oracle Fusion Cloud, Workday. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Expensify or Ramp?
Expensify publishes a starting rate ($10/user/mo); Ramp prices by quote, so a like-for-like number requires asking both.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Expensify and Ramp should each cost you — and whether a third option belongs on your shortlist.