Ramp vs Moss

SAP Concur

BILL Spend & Expense

Pleo

Brex

Pliant

finway

Compare Ramp and Moss based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Brex is a finance platform that helps businesses control and manage spend. From corporate cards and banking to expense management and bill pay, it provides a comprehensive suite of tools to automate financial processes and improve the strategic impact of finance teams.

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.

Ramp is a cloud-based expense and spend management solution that provides businesses with virtual corporate cards for employees and allows them to track and manage company spending. The platform helps businesses to track trends in spending and identify areas where costs could be cut.

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 & Statistics

Reporting/Analytics

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

Ramp

Web-based

Finance Director & Dinner Groups Director

They have been very responsive to our needs. It brings me joy knowing that our employees love using it because it means receipts are being turned in on time.

Director of Finance

The best thing about this software is the receipt capture. The reminder text that is sent to snap a picture at the time of purchase is so wonderful.

Co-Founder & CEO

We've been really happy with the ease of use and the reporting features, our employees seem to like using it and the cashback is a nice overall win for the team.

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

Most of the issues are user error but if our locations could call and speak to a tech or representative to walk them through how to get set up or fix their error it would be so much easier.

Office Manager

The ability to e-mail and text receipts and memos is amazing. It eliminates the need for our managers to keep paper copies of receipts and allows for immediate reconciliation of expenses.

Owner

Great and professional customer support, very helpful to my business.

Project Architect

I like that I can request an emergency spend increase via the mobile app and get approved instantly. I love that Ramp organizes the spending process in every detail.

Finance Manager

Easy to integrate with accounting software.easy to reconcile. Provide good cashback points.

Senior Accountant

The ability to require receipts and memo's be recording quickly has saved us many administrative hours in hunting down purchases.

Media Director

It's easy to set up cards for my team, and they have a great support team. Plus: you receive 1.5% cashback every month.

Administrative Director 

I like the recommendations that the software generates based on  monthly spending. It will recommend a different type of subscription or alert us to higher spending  on a subscription.

Administrative Assistant

Easy to use, helps you stay on track, gives prompts to assist you in reporting.

So the card may stop working at any given time according to the fluctuations of cash flow in your bank account.

Founder

All of the feature requests I want are already coming soon: like restricting a payment card to a specific vendor. More personal fraud and audit controls - will make this even more indispensable.

Co-Founder

Still can't add Ramp to Apple Pay so I end up using other cards when on the go and not wanting to pull out my wallet.

Senior Research Engineer

Easy process, quick feedback, and reminder, followed by closing cases that were in question.

Director

Ability to audit and approve expenses on the go. Bill pay integration with Xero for fast, easy reconciliation.

Ramp screenshot: Ramp managing transactions and subscriptions

Ramp screenshot: Ramp real-time reporting

Ramp screenshot: Ramp spend reconciliation

Ramp screenshot: Ramp vendor management

Ramp screenshot: Ramp Slack integration

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

Pleo is a cloud-based expense management solution which provides virtual and plastic company cards, automatic expense categorization, receipt capture, and more

finway is a spend management software designed to help SMEs streamline budgeting, accounting, and invoicing operations via a unified portal. The platform enables employees to process one-time or recurring payments, track expenses, generate custom reports, and automate workflows in real-time.

Pliant is a payment platform that offers a comprehensive business credit card solution. Designed for companies of all sizes, Pliant provides both physical and virtual credit cards with high spending limits, attractive cashback terms, and premium perks such as comprehensive insurance packages and worldwide airport lounge access.

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. 

Document Management

Workflow Management

Moss

Android

iPad

iPhone

This is a great service. Super easy to use, all round a well polished service and I am happy to recommend.

Financial Controller

Easy to use & setup, saved lots of time in our month end processes, customer support is brilliant & always happy to help, overall a good experience & would highly recommend.

Growth Manager

The convenience of having a dedicated virtual card for monthly spending, along with the ability to effortlessly upload and categorize invoices, has significantly streamlined my financial tasks.

Project Manager

It helps me stay on top of all my transactions and assign cost centers accurately. I also appreciate being able to request travel funds in advance, like per diems or fuel.

Moss has been a great addition to our finance operations. It allowed us to centralize expense management, issue physical and virtual cards quickly, and gain better control over team budgets.

Maintenance

My experience with Moss is fantastic, i can recommend it to everyone, don't wait too much, go for it.

Product Designer

It has been an easy and secure experience overall. I like the look and feel and I can complete all my tasks pretty well.

Jr. People Business Partner

Also amazing that you could add the Moss card to your Apple Wallet. Their Customer Support is great.

I like to work with this product, you have a detailed overview of all costs and expenses, safe to work with (authentication features is very user friendly).

Director Customer Success

Uploading multiple receipts is fast and seamless, and the transparent approval process gives you a clear overview of your expected reimbursements.

Principal Industrial Designer

It’s not just a convenience—it’s a major improvement in accuracy, accountability, and peace of mind across the entire finance and operations workflow.

Application Manager

The app is intuitive and easy to use, making everyday financial tasks straightforward. Their website is equally well designed, with a clean interface that keeps everything organized and accessible.

Group Product Manger

3 authentication steps to get virtual card details. I know its about security, but as a user it bother.

Founder's Associate

I like toe integration with DATEV, we can automatically send receipts to our accountant. Card allocations for team members and certain services make it much easier to track and manage expenditure.

Head of ADB

Once I upload I then no longer have the option to add notes or assign a cost centre. The mobile app doesn't have this issue.

project manager

Apple Pay is not available in Belgium yet. The receipts finder feature only allows 1 email address to be connected with your account.

Datev integration is seamless. We don't pay out of Moss.

I use it on both my phone and laptop, which means I can access it no matter where I am. Uploading receipts is easy—just snap a photo with the app on my phone.

Ramp vs Moss Comparison (2026)

Ramp

Moss

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives