Comparison
Pliant vs Ramp
A side-by-side look at Pliant and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Pliant
The corporate credit card for every business.
Pliant offers white-label and direct corporate credit cards across Europe, with API-first issuance and Visa credit.
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 | Pliant | Ramp |
|---|---|---|
| Tagline | The corporate credit card for every business. | Corporate cards + spend management that saves you money. |
| Headquarters | Berlin, Germany | New York, USA |
| Founded | 2020 | 2019 |
| Regions | EU, UK | US |
| Card type | Visa credit | Charge card |
| Pricing | From €9/user/mo. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Up to 1% cashback. | 1.5% cashback on all purchases. |
| Best for | European SMBs, Embedded finance partners | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Datev, Xero, Lexoffice, Candis | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Pliant: pros & cons
- API-first
- Real credit product
- Smaller brand
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails