The short answer
Expensify and Ramp both scan receipts, check spend against policy and sync to accounting, but they start from different places. Expensify works with the corporate cards a company already has, from 10k+ supported banks, and adds its own Expensify Card; Ramp's free plan is built around Ramp's own cards.
LeadChange Score: editorial assessment based on public information.
Expensify wins 0Ramp wins 23 ties
| Dimension | Expensify | Ramp |
|---|---|---|
| PricingRamp Free costs $0 per user and includes cards and receipt matching. Expensify's free plan covers individuals who submit to an approver, without approvals, payments, company cards or accounting sync; Collect lists $5 and Control $18 per member a month. Ramp Plus lists $15 per user plus an unpublished platform fee. Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise | $5/user/mo | $0/user/mo |
| CapabilitiesExpensify covers expenses, its own card, travel booking, global reimbursements, bill pay and invoicing. Ramp covers cards, expenses, travel, payables, receivables, procurement and banking. Both use AI to flag spend that breaks policy. Expense management, Corporate card (Expensify Card), Travel booking, Global reimbursements, Bill pay, Invoicing | 10 of 10 core capabilities | 9 of 10 core capabilities |
| IntegrationsRamp documents 200 integrations and Expensify 45. Both list QuickBooks, NetSuite, Sage Intacct and Xero; Expensify also lists Gusto, Uber and Lyft. 200 | 45 native | 200 native |
| Fit and supportBoth name startups through enterprise as customers. Expensify offers 24/7 live chat and an account manager from 100 members; Ramp offers chat, email and phone, and a dedicated account manager on Enterprise. Startups, small businesses, mid-market companies, enterprises | Startups, small business, mid-market, enterprise | Startups, small business, mid-market, enterprise |
| SecurityBoth state SOC 2 Type II. Expensify supports SAML single sign-on; Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM. Yes | SOC 2 | SOC 2 |
| Attribute | Expensify | Ramp |
|---|---|---|
| Price transparency | Published | Partly published |
| Single sign-on | SAML | Okta, Google, Microsoft Azure |
| Native integrations | 45 | 200 |
| Support channels | 24/7 live chat, AI assistant (Concierge), account manager on accounts of 100+ members | Chat, email, phone, 24/7 phone support for travel bookings (Plus), dedicated account manager (Enterprise) |
| Founded | 2008 | 2019 |
| Ownership | Publicly traded | Private |
| Attribute | Expensify | Ramp |
|---|---|---|
| Pricing model | Per user | Per user |
| Free trial | ||
| Free plan | ||
| Contract term | Monthly | Monthly |
| Best for | Startups, small businesses, mid-market companies, enterprises | Startups, small businesses, mid-market companies, enterprises |
| Mobile apps | iOS, Android | iOS, Android |
| Open API | ||
| SOC 2 Type II |
Pricing. Ramp Free costs $0 per user and includes cards and receipt matching. Expensify's free plan covers individuals who submit to an approver, without approvals, payments, company cards or accounting sync; Collect lists $5 and Control $18 per member a month. Ramp Plus lists $15 per user plus an unpublished platform fee.
Capabilities. Expensify covers expenses, its own card, travel booking, global reimbursements, bill pay and invoicing. Ramp covers cards, expenses, travel, payables, receivables, procurement and banking. Both use AI to flag spend that breaks policy.
Integrations. Ramp documents 200 integrations and Expensify 45. Both list QuickBooks, NetSuite, Sage Intacct and Xero; Expensify also lists Gusto, Uber and Lyft.
Fit and support. Both name startups through enterprise as customers. Expensify offers 24/7 live chat and an account manager from 100 members; Ramp offers chat, email and phone, and a dedicated account manager on Enterprise.
Security. Both state SOC 2 Type II. Expensify supports SAML single sign-on; Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM.
Zoho Expense has the highest LeadChange Score in Expense Management after excluding these two (9.0/10).
From $3/user/mo
Partly. Both capture receipts, check expenses against policy and sync them to accounting. Ramp is built around its own cards and adds payables, procurement and banking; Expensify works with cards from 10k+ banks and offers the Expensify Card as an option.
At list price, 25 members on Expensify cost $125 a month on Collect or $450 on Control with a 12-month subscription. On Ramp, 25 users cost $0 on Free or $375 a month on Plus before Ramp's unpublished platform fee.
Ramp documents 200 integrations and Expensify 45. The accounting systems most teams need, QuickBooks, Xero, NetSuite and Sage Intacct, appear on both lists.
Yes. Expensify reimburses in local currency to 190+ countries; Ramp reimburses in more than 70 countries and 40 currencies.
Expensify was founded in 2008 and is a public company. Ramp was founded in 2019 and is privately held, based in New York.
Yes, both list a free trial. Expensify and Ramp also list a free plan.
Expensify ranks #3 of 8 in our expense management ranking. Besides Ramp, the highest-scored are Zoho Expense, BILL Spend & Expense, and Brex. Every alternative, matched to the reason you might switch: Expensify alternatives.
Share your headcount and needs once and see how both fit your team, with the alternatives that match. If a matching provider works with us, you can ask to hear from them.
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What the LeadChange Score means
A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
Payments, commissions and lead fees are never inputs.
