Ramp vs Yokoy

SAP Concur

BILL Spend & Expense

Navan

Brex

Revolut Business

IFS Cloud

Compare Ramp and Yokoy 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

Revolut Business is designed to streamline your business operations. Scale — and save — with multi-currency accounts, company cards, spend management tools, seamless integrations, and more. Join the hundreds of thousands of businesses worldwide who use Revolut Business to expand with ease.

A composable enterprise application delivering ERP, Service Management and Enterprise Asset Management capabilities on a single platform with IFS.ai as the backbone of the solution.

Navan, formerly TripActions, is the all-in-one travel, corporate card, and expense management solution that helps companies save time and money.

The proven, AI-powered spend management platform that delivers automation, transparency and control across all company spend, with purpose built modules for invoices, expenses, and payments.

Expense Management

Mobile App

Mobile Payments

Multi-Language

Online Payments

PCI Compliance

Real-time Alerts

Restriction Management

Travel Management

Workflow Management

Yokoy

Android

iPad

iPhone

Marketing manager

The software is very good the yokoy teams have done a good job. I say thank you for this excellent tool.

Accounting Manager

Uploading receipts with one click or one picture is very helpful, be it with the mobile phone or with the web browser. Approval workflow is quick and settlement is easy.

Revenue Operations

As a company, we really like the credit card feed, which helps to make sure that all receipts have been added. Generally, it an easy to use solution.

We implemented SAP, Microsoft Nav, and Revolut Business, but she is super excited since we use Yokoy. We reduced our subscription spending by 20%-30% of various tools (small tools too) across Unique.

Expenses that need to be charged to a client cannot be managed easily. There should be an option to link expenses directly to a client.

Easy-to-use, good KI features, good integration with our ERP.

Application Support Engineer

Yokoy is very easy to understand and to setup. There are some improvements that are important to do so the tool run smoothly.

Senior Manager - Corporate Applications

Overall the experience is very positive. The expense management tool is intuitive and easy to use and the mobile app makes it easy to record expenses via a simple capture of a receipt.

Financial Accountant

Problems with the search function of the Submitters.

Associate Professor

Easy of uploading receipts, AI for matching them to expenses, seamless integration with the credit card.

Overall, I'm really happy. Especially the customer service is top-notch and reacts ultra fast on all enquiries.

For me there is not much to say except the expectation of being able to link virtual cards to Apple pay.

Certain filter functions are seriously missing.

Artist

Its easy to manage travel budget and company related expenses between me and finance department.

Yokoy screenshot: Save money on every dollar spent. Yokoy’s AI-powered suite transforms spend management for midsize companies and global enterprises – so you can save while spending.  GDPR compliant. ISO 27001, ISO 9001, and ISO 14001 certified. 

Yokoy screenshot: Process invoices automatically.​ Consolidate your accounts payable process, manage invoices at scale, automate approvals with custom workflows, and pay on time with Yokoy’s AI-powered invoice management solution.

Yokoy screenshot: Manage expenses effortlessly.​ Automate your expense management, simplify expense reporting, and prevent fraud and reimbursement delays with Yokoy’s AI-driven expense management solution. Custom workflows and approval flows for fast reimbursements.

Yokoy screenshot: Streamline your business payments​. Gain real-time control of your global card spend and automatically match card transactions with receipts with Yokoy’s smart payment solutions. Automated transaction matching and real-time compliance checks.

Yokoy screenshot: Streamline your IT landscape. Yokoy’s API facilitates seamless integrations with enterprise-level systems, removing manual processes and enabling true, end-to-end automation across entities and geographies.

Ramp vs Yokoy Comparison (2026)

Ramp

Yokoy

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives