Ramp vs Budgetly

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.

Mobile Receipt Upload

Spend Control

Reimbursement Management

Expense Claims

Compliance Management

Audit Trail

Accounting Integration

Multi-Currency

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

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 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.

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.

Receipt Upload

Expense Management

Receipt Submission

Credit Card Management

Corporate Cards

Pricing

Credit Limits

Security and Access Control

Receipt Reminders

Training and Learning Curve

Small Business

Large Enterprises

Mid-size Business

Ramp Financial

Moss

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. 

Wallester

Wallester helps other businesses to issue corporate VISA cards and streamline their corporate expenses.

Budget, spend, capture, pay bills and sync in real-time. Budgetly is an AI-driven, flexible, automated, and hassle-free expense accounting platform. It helps businesses go paperless and capture expenses as they happen.

Corporate Card

The Budgetly integration most frequently cited by reviewers is Xero, an accounting product rated 5.0 out of 5 for its integration with Budgetly.

Integrations

By industry, Budgetly reviewers are most commonly professionals in individual & family services (41%). The most frequent use case for Budgetly cited by reviewers is spend management (88% of reviewers).

Proprietary

Budgetly

iPhone

Android

iPad

Windows

Navan

Rippling

Essentials

Premium

Finance Manager

It helps stream cost allocations to the right place, without the front end user needing to know too much, and allows for multiple users on the back end.

Financial Manager

Some merchants who require credit cards may reject Budgetly cards, so depending on where you need to spend, payment might need to be processed via other methods.

I can snap a photo of my receipt and upload it to the App while I'm still in the store!

Financial Controller

Unable to see whether an expense is approved and lack of customisation on fields required for user to fill in

Manager

The platform is user-friendly, making it easy to track spending, set budgets, and monitor financial goals.

The analytics and insights provided have been particularly helpful in understanding my spending habits and planning more effectively.

From the initial sales demo to educating us on the platform, to onboarding and account management - the entire journey was seamless and friendly.

Finance manager

It’s easy to track and manage business funds and the support is helpful and fast.

Chief Strategy Officer

Not missing transactions each month is a positive

Accounts Corporate Services

There's really not much that we don't like about it. If anything, it would be helpful to have some slightly more detailed reporting.

Excellent onboarding and support.

Budgetly has reduced our previous multi step process into this one clean workflow.

Budgetly is far superior to the previous system that we were using to manage our spending.

Accounts

Not being able to direct debit straight into the Budgetly account.  

It's a good platform, filling the niche between cash and credit card very effectively.

Would like GST extraction on all plans.  

Budgetly provides the ability to code transactions, capture receipts and provides visibility on the go as well as greater flexibility with the card issuing to users.  

Management Accountant

Budgetly gives us real-time access to see all of our transactions.

Pipe and Cable locating

It's technology, so staff members still take time to learn using it properly.

Head of Accounts

Service and support is fantastic, integrates with Xero and saves us a lot of time.

We're really organised now - setting budgets makes everything really easy to manage everyone's spending.

Clean and Tidy Software that has solved a lot of our staff reimbursement issues.

Finance Administrator

Onboarding with  [sensitive content hidden] was a breeze and our staff have no issues using the cards.

Business Services Manager

It’s given our staff more control, they’re no longer anxious about having to carry a lot of cash and don’t need to worry about rationing this out for an entire month.

We no longer have to share cards between staff.

Finance admin

Staff save a lot of time and no longer have to wait for reimbursements.

Overall, it has made managing my finances simpler and more organized.

It is and will improve our productivity in Procurement and is saving time in Accounts Payable to ease of processing compared to manual credit card reconciliations

We were previously using petty cash and bank cards.

We’ve minimised human error with our staff now being accountable for uploading their own receipts.

Expense Management no longer consumes my week.

Group Financial Accountant

During training they showed me how to connect to Xero.

Money is now being spent where and when it is meant to be spent.

Finance Consultant

Being able to set our own spending limits, freeze or cancel cards at the click of a button and re-order these without having to deal with a bank is fantastic

Accounts Officer

Having Budgetly means we can give a virtual card to a staff member immediately and no longer have to wait for money to load onto the cards we were using previously.

Even though we feel we under utilise Budgetly based on all the bells and whistles.

Now we're using Budgetly, we no longer have to waste time manually keeping records and worrying about cash

Budgetly makes dealing with receipts easy.

Phone support is all free but it's easy to use and figure out.

Business Support Unit Manager

Shan in Onboarding would come back to me very quickly with personlised videos.

Administration

Lack of direct debits without using a card.

General Manager

We can track expenses in real-time and the leg work has been taken away while adding control back to business.

Ramp vs Budgetly Comparison (2026)

Ramp

Budgetly

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives