Comparison
Payhawk vs Ramp
A side-by-side look at Payhawk and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Payhawk
The all-in-one spend management solution for global companies.
Payhawk combines corporate cards, expense management, accounts payable and procurement on one platform — with deep ERP integrations for mid-market and enterprise finance teams.
Ramp
Corporate cards + spend management that saves you money.
Ramp is a finance automation platform that combines corporate cards, bill pay, expense management, accounting automation and procurement — with AI that actively surfaces savings.
Side-by-side
| Spec | Payhawk | Ramp |
|---|---|---|
| Tagline | The all-in-one spend management solution for global companies. | Corporate cards + spend management that saves you money. |
| Headquarters | London, UK | New York, USA |
| Founded | 2018 | 2019 |
| Regions | EU, UK, US | US |
| Card type | Visa charge card | Charge card |
| Pricing | Custom pricing based on users and modules. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Up to 1.5% cashback on USD cards. | 1.5% cashback on all purchases. |
| Best for | Mid-market, Multi-entity groups, Companies on NetSuite or Microsoft Dynamics | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | NetSuite, Microsoft Dynamics 365, Sage Intacct, Xero, QuickBooks, SAP | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Payhawk: pros & cons
- Deepest ERP integrations in EU
- Strong mid-market fit
- Multi-entity native
- Heavier than Pleo for small teams
- Opaque pricing
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails