Comparison
Stripe Issuing vs Ramp
A side-by-side look at Stripe Issuing and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Stripe Issuing
Programmable cards via API.
Stripe Issuing lets platforms issue physical and virtual cards via API — used by fintechs, marketplaces and embedded finance products.
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 | Stripe Issuing | Ramp |
|---|---|---|
| Tagline | Programmable cards via API. | Corporate cards + spend management that saves you money. |
| Headquarters | San Francisco, USA | New York, USA |
| Founded | 2018 | 2019 |
| Regions | US, EU, UK, Global | US |
| Card type | Visa programmable | Charge card |
| Pricing | Per-card and interchange revenue share. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | — | 1.5% cashback on all purchases. |
| Best for | Fintechs, Platforms, Marketplaces | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Stripe APIs | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Stripe Issuing: pros & cons
- Best-in-class API
- You build the product on top
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails