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