Ramp vs XPENDOR

SAP Concur

Emburse Expense Professional

BILL Spend & Expense

Brex

Okticket

Tickelia 

Compare Ramp and XPENDOR 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

The solution features configurable physical and virtual business cards that can be tailored with specific restrictions and limitations to enhance expense control. These cards support various formats including physical cards for travel, virtual cards for employees, single-use virtual cards, and recurring virtual cards for subscriptions. Users can set monthly and daily spending limits, restrict usage by time zone, limit online or international purchases, and apply restrictions by expense type.

The main funcionalities and features that Okticket offers to the users are focused in: automation, customization, real time information

Emburse Expense Professional is a cloud-based tool that provides data visibility into corporate spending. It automatically creates reports for employees, streamlines approvals, and makes reimbursement and reporting effortless for accountants.

SaaS solution for digitization and management of tickets, invoices, and expense reports. A  solution easily integrable with other software thanks to public APIs available and with a wide range of functionalities, all of them at one price.


Ramp vs XPENDOR Comparison (2026)

Ramp

XPENDOR

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

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