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It's a split decision.
Choose Ramp if you want cards, expenses, bill pay, banking, and accounting workflows under one platform. Its free tier is available; Plus costs $12 per user monthly with annual billing or $15 monthly, plus an undisclosed team-size fee. Choose Expensify for a lower published paid entry point focused on expenses: Collect is $5 per member monthly, with a free Submit tier. Both list QuickBooks and Xero; check plan details and support terms before switching.
01Side by side
| Ramp | Expensify | |
|---|---|---|
| Paid starting price | Plus: $12 annual or $15 monthly, plus team-size platform fee | Collect: $5 per member/month; annual rate unpublished |
| Free plan | Free plan includes unlimited cards | Submit is free for all members |
| Best for | Teams consolidating cards, banking, expenses, and accounting workflows | Teams handling receipt capture, expense reports, and reimbursements |
| Core strength | Finance workflows, cards, bill payments, and accounting automation | Receipt scanning, expense reports, and reimbursements |
| Learning curve | Not published on the vendor's site | Not published on the vendor's site |
| Integrations | QuickBooks, Xero, NetSuite, and Sage Intacct | QuickBooks, Xero, NetSuite, and Sage Intacct |
| Team/seat costs | Per user, plus a team-size platform fee | $5 per member; Control is $9 per active member |
| Support | Plus phone support for travel; Enterprise priority 24/7 global | Support terms not listed on the vendor's site |
Ramp Choose Ramp if
- Choose Ramp if you need cards, banking, bill pay, and accounting workflows.
- Choose Ramp if role-based card controls and global issuing matter.
- Choose Ramp if NetSuite or Sage Intacct integrations fit your plan.
Expensify Choose Expensify if
- Choose Expensify if expense capture and reimbursements are your priority.
- Choose Expensify if you want a $5/member paid starting plan.
- Choose Expensify if travel bookings should sync with expenses.
02Pricing compared
Ramp has a free plan and a paid Plus plan listed at $15 per user monthly, or $12 per user monthly with annual billing. Plus also carries a platform fee based on team size; the amount is not published. Ramp’s free plan includes unlimited cards and QuickBooks Online and Xero integrations. Enterprise pricing is custom and billed annually.
Expensify’s Submit plan is free for members submitting expenses. Collect costs $5 per member monthly; annual-commitment discounts are available, but the annual rate is not published. Control is listed as custom pricing starting as low as $9 per active member monthly. For a clean cost comparison, confirm your eligible member count, billing term and any Ramp platform fee before switching.
03Features and depth
Ramp is the broader finance platform in this comparison. Its listed features cover cards and expenses, purchasing and payment workflows, accounting automation, banking, and role-based access controls. It also lists card issuing in 30+ currencies. Procurement is an add-on for Plus or Enterprise, and the price is not published; Accounts Receivable is also an add-on for automated revenue recognition and recurring billing schedules.
Expensify centers on expense management: receipt capture, expense reports, policy checks, reimbursements, and spend limits. It also lists travel booking, corporate card management, bill pay, invoices, budgets, and accounting integrations. Its receipt scanning options include the mobile app, email forwarding, uploads, and text messages. Both products list QuickBooks and Xero integrations. Ramp Plus lists NetSuite and Sage Intacct integrations, while Expensify lists those tools among its accounting integrations and offers ERP integrations on Control. Compare the specific workflows and plan requirements you need, not just the feature lists.
04Ease of use and learning curve
Our review scores Ramp higher for ease of use (8) than Expensify (5), but those scores do not tell you how either product will fit your approval rules or accounting setup. Ramp says businesses can switch in days, not months; treat that as the company’s claim, not a guaranteed migration timeline. Its Enterprise plan includes custom implementation and configuration, while the price is custom.
Expensify’s published review flags ease of use and user sentiment as weaker points, so test your receipt, approval, and reimbursement process with the people who will use it. The published pricing details do not give an Expensify implementation timeline. Before moving either system, confirm integrations, approval flows, and support terms for your chosen plan.
Questions people ask
Does Ramp scan receipts?
The published Ramp feature information describes AI-powered card and expense workflows but does not specify receipt scanning methods. Expensify explicitly lists receipt capture through its mobile app, email forwarding, uploads, and text messages. Confirm Ramp’s current receipt-capture options with its product documentation before switching.
Is Expensify any good?
It depends on your needs. The published review describes Expensify as a capable expense toolkit with a low paid entry price, but scores it 5.7 overall, with lower scores for support (3) and user sentiment (3). Collect is listed at $5 per member monthly, and Submit is free for expense submitters.
What is the difference between expense and spend?
Expense management covers recording, submitting, reviewing, and reimbursing expenses. Spend management is broader: it can include cards, budgets, purchasing, payment workflows, and controls over company spending. Expensify’s listed features emphasize expense workflows, while Ramp lists those alongside purchasing, bill payments, banking, and accounting automation.
How can I contact Expensify customer service?
The published product and pricing information does not publish Expensify’s contact methods, phone number, or response-time commitments. Check Expensify’s official help or contact page for current options. The published details also do not specify whether customer-support access differs between Submit, Collect, and Control.