Ramp vs Payhawk

webexpenses

SAP Concur

Expensify

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

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.

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

Accounting

Accounting Integration

Accounts Payable

Accounts Receivable

ACH Payment Processing

Activity Dashboard

Activity Tracking

Ad hoc Reporting

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Management

Audit Trail

Automated Receipt Matching

Bank Reconciliation

Billing & Invoicing

Budget Control

Budgeting/Forecasting

Cash Flow Management

Cash Management

Categorization/Grouping

Collaboration Tools

Compliance Management

Configurable Workflow

Consolidation/Roll-Up

Corporate Card

Credit Card Management

Customizable Fields

Customizable Reports

Customizable Templates

Dashboard

Data Import/Export

Data Visualization

Duplicate Detection

Duplicate Payment Alert

Electronic Funds Transfer

Electronic Payments

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

For Small Businesses

Fraud Detection

General Ledger

Income & Balance Sheet

Invoice Management

Invoice Processing

Mileage Tracking

Mobile Access

Mobile Receipt Upload

Multi-Company

Multi-Currency

Multi-Location

Online Banking

Online Booking

Optical Character Recognition

Planning Tools

Policy Management

Prepaid Cards

Process/Workflow Automation

Procurement Management

Project Accounting

Project Management

Purchase Order Management

Purchase Order Reconciliation

Purchasing & Receiving

Real-Time Analytics

Real-Time Data

Real-Time Monitoring

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Recurring Payments

Recurring/Subscription Billing

Reimbursement Management

Reminders

Reporting/Analytics

Reporting & Statistics

Requisition Management

Rules-Based Workflow

Secure Data Storage

Self Service Portal

Self-Service Reporting

Single Sign On

Spend Analysis

Spend Control

Spend Management

Supplier Management

Third-Party Integrations

Time & Expense Tracking

Transaction History

Transaction Monitoring

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 (51% of reviewers).

Users and use cases

Ramp is an expense report solution offering key features such as mobile receipt upload, receipt management, and expense tracking, among others.

Ramp

Web-based

Brex

BILL Spend & Expense

Emburse Expense Professional

Zoho Expense

Free

Plus

Enterprise

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

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.

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.

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.

Office Manager

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.

VP of GTM

The slack integration is fantastic and the ability to approve/pay via slack is a game changer.

Our company was looking to replace our corporate credit card program with a platform that would also offer expense management tracking, and the Ramp sales team presented their product as the prefect solution for that.

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.

So if they give you a limit of $500k because your initial bank statement shows a million dollars in cash, they will suddenly slash your limit to $300k if your next bank statement shows only $600 in cash.

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.

Executive Administrator

No more rushing to enter all my expenses at one timeI can see purchases immediately and RAMP "talks" with multiple vendors - removing steps from my daily tasks.

The reason for the switch was to take some of the work off of the shoulders of the accountants.

Operations Manager

Also you can flag spending after a certain amount.

Business Development Associate

I think the thing I like least about ramp is that extra verification step it sometimes makes me do but most apps and sites do that now. Since it is for protecting our information, I understand the necessity but still would rather put in my password and be done without having to input a code or something.

My experience with Ramp has been wonderful and I would recommend this product to anyone looking to have better overview and control of their company expenses.

Executive Assistant

Sometimes, when I can't remember if i've submitted a receipt for reimbursement, searching through long lists of my expenses means it is hard to find if a receipt is in there or not.

Customer Success Manager

Not having to keep track of receipts when traveling.

Purchasing Agent

no monthly reconciliations.  can be done at time of purchase right on the site, no reports to print, no printing of receipts.

Social Media and Merchandising Manager

There’s many ways to submit receipts which makes it impossible to forget to do so!

Lead of Supply Chain

Client manager

Doesn't have budget control and PO management implemented

Developer

User interface is really appealing and pretty straightforward.

Ramp has a number of features that set it apart from other tools on the market.

Project Manager

Maybe the repetitiveness of email/text reminders, which doesn't happen often b/c it's too easy to handle it immediately.   But there are instances where we're waiting on receipts/invoices and the reminders can be a bit much.

Director

The ease of virtual cards, setting up recurring payments, and tracking everything through the app has been awesome.

A strong control and time saver would be for Ramp to create the amortization rules and pass via API to QB to post.  

Senior Graphic Designer

The previous software my company used didn't provide a physical card which was really inconvenient, so I'm glad I can have a physical and/or virtual work card through Ramp.

I love Ramp's receipt matching integration with my work Gmail, and I also like how easy it is to text a receipt to Ramp and have it matched.

Ramp vs Payhawk Comparison (2026)

Ramp

Payhawk

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

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