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Xero vs Ramp Comparison

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Good recommendations?

Xero logo

Xero

4.4

(3K)

94pts

Overview

Category Leaders

Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Simplify business admin and get a range of financial insights to help you make better decisions for your business.

Category Leaders

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.

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

Pricing

Starting from

15

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

ic-pricetag

No pricing info

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.4

3K

5

4

3

2

1

1.7K

837

230

64

84

  • Value for money
  • Ease of use
  • Features
  • Customer support
93%
would recommend this app

4.9

186

5

4

3

2

1

173

10

1

1

1

  • Value for money
  • Ease of use
  • Features
  • Customer support
97%
would recommend this app

Pros

I have been with Xero for many years. I love the sense of community and i LOVE that I am not being asked to upgrade or upcharge the way some other companies do.
I love the app and gives me accounting on the go. Helps me track invoices and profits with ease.
The ease of use and reputation are by far the greatest part of this product. In addition to this, the range of potential integrations is fantastic.

Pros

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.
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.
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.

Cons

There are no delivery notes/packing slips. They tout a "workaround" but be warned, it's exactly 10 extra clicks so it's really not an option if you need this feature.
Our main complaint is that Xero stopped doing payroll in 2018, so now you have to pay an additional fee to a payroll processor such as Gusto.
Changing accounting software from Xero is a horrible experience. They make it very difficult to pivot to other software.

Cons

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.
So the card may stop working at any given time according to the fluctuations of cash flow in your bank account.
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.
  • Vendor responds to reviews
  • Last review7 days ago
  • Vendor responds to reviews
  • Last review2 months ago

Key features

  • Total features175
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Audit Management
  • Audit Trail
  • Automated Quoting
  • Automated Receipt Matching
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budget Control
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Catalog Management
  • Categorization/Grouping
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Compliance Management
  • Configurable Workflow
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Corporate Card
  • Cost Tracking
  • Credit Card Management
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Statements
  • Customizable Branding
  • Customizable Fields
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Dashboard
  • Data Import/Export
  • Data Visualization
  • Delivery Management
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Detection
  • Duplicate Payment Alert
  • ERP integration
  • Electronic Funds Transfer
  • Electronic Payments
  • Email Management
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For AEC Industry
  • For Accountants
  • For CPA Firms
  • For Government
  • For Legal Professionals
  • For Real Estate
  • For Religious Organizations
  • For Schools
  • For Small Businesses
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • Fund Management
  • General Ledger
  • Hourly Billing
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Kitting
  • Mileage Tracking
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Mobile Receipt Upload
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-Location
  • Multi-State
  • Nonprofits
  • Online Banking
  • Online Invoicing
  • Online Payments
  • Optical Character Recognition
  • Order Management
  • Order Tracking
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Planning Tools
  • Policy Management
  • Prepaid Cards
  • Price/Margin Management
  • Pricing Management
  • Pricing and Cost Calculations
  • Process/Workflow Automation
  • Procurement Management
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Purchase Order Management
  • Purchase Order Reconciliation
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Notifications
  • Real-Time Reporting
  • Real-Time Updates
  • Receipt Management
  • Receivables Ledger
  • Recurring Invoicing
  • Recurring Payments
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reminders
  • Remote Access/Control
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Revenue Recognition
  • Rules-Based Workflow
  • Sales Reports
  • Sales Tax Management
  • Search/Filter
  • Secure Data Storage
  • Self Service Portal
  • Self-Service Reporting
  • Shipping Management
  • Single Sign On
  • Sourcing Management
  • Spend Analysis
  • Spend Control
  • Spend Management
  • Staff Management
  • Status Tracking
  • Supplier Management
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Transaction History
  • Transaction Management
  • Transaction Monitoring
  • Trust Accounting
  • User Management
  • Vacation/Leave Tracking
  • Vendor Management
  • Visual Analytics
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management
  • Workflow Management
  • Total features101
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Audit Management
  • Audit Trail
  • Automated Quoting
  • Automated Receipt Matching
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budget Control
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Catalog Management
  • Categorization/Grouping
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Compliance Management
  • Configurable Workflow
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Corporate Card
  • Cost Tracking
  • Credit Card Management
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Statements
  • Customizable Branding
  • Customizable Fields
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Dashboard
  • Data Import/Export
  • Data Visualization
  • Delivery Management
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Detection
  • Duplicate Payment Alert
  • ERP integration
  • Electronic Funds Transfer
  • Electronic Payments
  • Email Management
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For AEC Industry
  • For Accountants
  • For CPA Firms
  • For Government
  • For Legal Professionals
  • For Real Estate
  • For Religious Organizations
  • For Schools
  • For Small Businesses
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • Fund Management
  • General Ledger
  • Hourly Billing
  • Income & Balance Sheet
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Kitting
  • Mileage Tracking
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Mobile Receipt Upload
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-Location
  • Multi-State
  • Nonprofits
  • Online Banking
  • Online Invoicing
  • Online Payments
  • Optical Character Recognition
  • Order Management
  • Order Tracking
  • Overpayment Processing
  • Partial Payments
  • Payment Collection
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Planning Tools
  • Policy Management
  • Prepaid Cards
  • Price/Margin Management
  • Pricing Management
  • Pricing and Cost Calculations
  • Process/Workflow Automation
  • Procurement Management
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Purchase Order Management
  • Purchase Order Reconciliation
  • Purchasing & Receiving
  • Quotes/Estimates
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Notifications
  • Real-Time Reporting
  • Real-Time Updates
  • Receipt Management
  • Receivables Ledger
  • Recurring Invoicing
  • Recurring Payments
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reminders
  • Remote Access/Control
  • Reorder Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Revenue Recognition
  • Rules-Based Workflow
  • Sales Reports
  • Sales Tax Management
  • Search/Filter
  • Secure Data Storage
  • Self Service Portal
  • Self-Service Reporting
  • Shipping Management
  • Single Sign On
  • Sourcing Management
  • Spend Analysis
  • Spend Control
  • Spend Management
  • Staff Management
  • Status Tracking
  • Supplier Management
  • Task Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Transaction History
  • Transaction Management
  • Transaction Monitoring
  • Trust Accounting
  • User Management
  • Vacation/Leave Tracking
  • Vendor Management
  • Visual Analytics
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management
  • Workflow Management

Integrations

  • Total integrations1575
  • Dynamics 365
  • Dynamics 365 Business Central
  • FreshBooks
  • HubSpot CRM
  • Microsoft Excel
  • Microsoft Outlook
  • NetSuite
  • PayPal
  • Plaid
  • QuickBooks Online
  • QuickBooks Online Advanced
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier
  • authorize.net
  • Total integrations6
  • Dynamics 365
  • Dynamics 365 Business Central
  • FreshBooks
  • HubSpot CRM
  • Microsoft Excel
  • Microsoft Outlook
  • NetSuite
  • PayPal
  • Plaid
  • QuickBooks Online
  • QuickBooks Online Advanced
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier
  • authorize.net

User reviews that mention these apps

JS
AvatarImg

Jason S.

Logistics and Supply Chain, 51-200 employees

Used daily for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Ramp logo

Ramp

Game changer!

Reviewed a year ago
Pros

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

Cons

Nothing so far. Once we set up our internal processes for workflow and auditing it has been smooth sailing.