PEX vs Ramp

Moss

SAP Concur

BILL Spend & Expense

Moss is an expense management software that enables employees to spend in a decentralized way, giving finance managers complete visibility and control in real-time. By automating and digitizing spend, Moss frees finance teams from administrative tasks. 

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

BILL Spend & Expense (formerly Divvy) is the all-in-one expense management solution.

PEX is an expense management solution for business that integrates your accounting software with prepaid debit cards to control and analyze employee spending

Accounting

Accounting Integration

Accounts Payable

ACH Payment Processing

Activity Dashboard

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Management

Audit Trail

Bank Reconciliation

Budgeting/Forecasting

Compliance Management

Corporate Card

Credit Card Management

Data Import/Export

Data Security

Debit/Credit Card Processing

Electronic Payments

ERP integration

Expense Tracking

Financial Reporting

For Religious Organizations

Generative AI

In-Person Payments

Mobile Access

Mobile Payments

Mobile Receipt Upload

Online Payments

Payment Reconciliation

PCI Compliance

Prepaid Cards

Real-Time Analytics

Real-Time Data

Real-Time Monitoring

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Recurring/Subscription Billing

Reimbursement Management

Reminders

Reporting/Analytics

Reporting & Statistics

Secure Data Storage

Spend Analysis

Spend Control

Third-Party Integrations

Time & Expense Tracking

Transaction History

Transaction Monitoring

Workflow Management

Web-based

iPad

Android

iPhone

Emburse Cards

Base

Core

Grants & Rewards Pricing

Director of Administration

They are a match made in heaven and integrate together pretty seamlessly.   

Office Manager

They work fast which saves our drivers time and the company money.

VP Customer Oeprations

Integration into our contingency management solution was straighforward

VP of Operations

PEX Card is easy to use and reconcile receipts.  

Integrations

Pricing

Ease of Use

Mid-size Business

Small Business

Large Enterprises

webexpenses

Webexpenses provides simple, intuitive cloud-based software for smarter expense management and invoice processing, with full support and seamless integration.

Expensify

Expensify is an expense management platform that automates receipt scanning, expense tracking, and employee reimbursements. The software includes features such as corporate card management, travel booking capabilities, and integration with accounting systems including QuickBooks, NetSuite, Sage Intacct, and Xero. Expensify offers global reimbursement processing and allows organizations to link existing corporate cards from banks worldwide.

Ramp is a modern corporate card with intuitive software, built to help you grow efficiently. Block out-of-policy transactions before they happen, automate busywork, and manage payments from one place. Get real-time spend reporting & in-depth savings insights to plan strategically for tomorrow.

Access Controls/Permissions

Accounts Receivable

Activity Tracking

Ad hoc Reporting

Automated Receipt Matching

Billing & Invoicing

Budget Control

Cash Flow Management

Cash Management

Categorization/Grouping

Collaboration Tools

Configurable Workflow

Consolidation/Roll-Up

Customizable Fields

Customizable Reports

Customizable Templates

Dashboard

Data Visualization

Duplicate Detection

Duplicate Payment Alert

Electronic Funds Transfer

Expense Claims

Financial Analysis

Financial Management

For Small Businesses

Fraud Detection

General Ledger

Income & Balance Sheet

Invoice Management

Invoice Processing

Mileage Tracking

Multi-Company

Multi-Currency

Multi-Location

Online Banking

Online Booking

Optical Character Recognition

Planning Tools

Policy Management

Process/Workflow Automation

Procurement Management

Project Accounting

Project Management

Purchase Order Management

Purchase Order Reconciliation

Purchasing & Receiving

Recurring Payments

Requisition Management

Rules-Based Workflow

Self Service Portal

Self-Service Reporting

Single Sign On

Spend Management

Supplier Management

User Management

Vendor Management

Vendor Master Data Management

Reviews for Ramp come from a wide variety of industries, including non-profit organization management (8% of reviewers), computer software (6%), and religious institutions (6%). The most frequent use case for Ramp cited by reviewers is expense report management (52% of reviewers).

Users and use cases

Ramp is an expense report tool with key features that include mobile receipt upload, receipt management, expense tracking, and more.

Ramp

Brex

Emburse Expense Professional

Zoho Expense

Free

Plus

Enterprise

Founder

Its main benefits include reduced time required for closing monthly balance and absence of need for controlling expenses because of set limits.

Director, Digital Transformation

The ability to submit expenses via email and SMS has eliminated the need for tracking, keeping and trying to keep track of receipts.

Owner

What I like most about Ramp is how it matches the receipt and categorizes it as soon as a transaction posts.

It is great how easy it is to manage invoices – once entered, they undergo automatic routing and are paid out without me having to chase people down via email messages.

Accounting Manager

Ramp is a great way to manage all your credit card transaction in one place as well as have Bill Pay to pay all your bills.

The UI is outstanding and has tremendously helped my firm track and analyze our expenses and payables to better forecast and plan budgets.

People Ops Manager

Using Ramp has really allowed us to expand who has access to corporate cards and what their use cases and limits are.

Director of Finance

They tend to be fragmented and continue to send sales pitches for the products that I am already enrolled in.

What I like least about Ramp is that your balance is based on your bank account and can down suddenly.

Overall the system is a great layout, saves us a great deal of time with accounting record keeping and helps with responsibility of users.

Ramp has made it really easy for us to customize and streamline credit card access internally.

Director of Implementation

Theres not a whole lot to not like some of the pre built permissions arent the best or the most accurate for permissions needed.

Account Executive

I have direct insight into how my employees spend and I am able to categorize + organize everything into one software.

Account Manager

That way when I return I can make sure I have all the information needed to fill out a spreadsheet to return them. With Ramp I did not have to worry about it.

Applications and companies like Ramp help businesses focus on their more important operations.

I wish the invoice and receipt email capture system worked with more file types.

Vice President, Human Resources & Administration

The Ramp platform makes it easy to do everything that a corporate card administrator or user might need to: issue new cards, assign expense policies, code transactions, integrate with accounting software, suspend or terminate cards, adjust spending limits.

Chief Operations and Finance Officer

The tracking is simple and the integration with QBO is good so far.

We really like the automatic receipt matching for transactions, the visibility of ensuring that accounting requirements are met, and the real-time tracking of card spending.

Chief Research Officer

Sometimes the lag in uploading forwarded receipts slows down my process flow, but overall I have very few complaints.

Normally when I travel I have to find a way to keep track of my expenses while busy and on the go.

Controller

Ramp is very user friendly and provides an interface that just makes sense and the sync with NetSuite saves me and my team so much time.

I like that theres a setting so you basically have to upload a receipt.

Assistant Property Manager

We switched to Ramp a year ago within our company to help with expense reports as a whole.

Auto-suggestions for memos learn as you go and simplify the process as well.

One of the only struggles that we've had is keeping up with changes to the system. Where to find things is continuously moving and while the system does a decent job of informing us, sometimes it is challenging to find where certain actions have changed (sometimes things have been renamed, other times an action has moved to a different subcategory in the menu bar).

COO CFO

Our employees are getting invoices in timely allowing for better company reporting and quicker external reimbursement requests.

More system updates to keep track with customers needs

VP of PDPM

Mobile app, able to upload receipts immediately, speed of reimbursement, no need for cumbersome monthly report

Director of Engineering

I really like the fact that they send you a text message right after an expense. And you can respond on the spot, right after you paid, with the receipt and a memo.

PEX vs Ramp Comparison (2026)

PEX

Ramp

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives