Ramp vs Expensify pricing: Expensify vs Ramp cost per user, Ramp vs Expensify cost by plan, and which one stays cheap on your accounting system

Start with what the entry plans actually cover, because that is where most buyers get the comparison wrong. Ramp's free plan includes the corporate card with unlimited physical and virtual cards, automatic receipt collection, basic approval workflows, basic travel booking and policies, bill pay by ACH, card, check or wire, and QuickBooks Online and Xero integrations. Expensify Collect at $5 includes SmartScan receipt scanning, card feeds from the cards you already have, approval workflows, direct sync to QuickBooks and Xero, and travel booking. On paper the two entry plans do similar jobs. The difference is that Ramp's $0 assumes your spend moves onto a Ramp card, and Expensify's $5 assumes nothing about your card at all.

The accounting system is the second fork, and it costs money on both sides. Ramp's pricing page places NetSuite, Sage Intacct and more integrations on Ramp Plus, which is $15 per user per month plus a platform fee based on team size, with 20 percent off for annual billing. Expensify places NetSuite, Sage Intacct, Workday and Certinia on Control, which is $18 per member per month annual. So if your books live in NetSuite or Sage Intacct, neither vendor's entry plan will sync them, and the honest comparison is Ramp Plus against Expensify Control, not $0 against $5.

Price that at 25 users and the numbers stop being abstract. Expensify Collect: 25 people at $5 is $125 a month, $1,500 a year, on whatever card you have today. Expensify Control on an annual subscription sized at 25: $450 a month, $5,400 a year, and if every member is on the Expensify Card and you earn the full card discount it drops to $225 a month, $2,700 a year. Ramp Plus billed monthly: $375 a month, $4,500 a year, before the platform fee that Ramp does not print. Ramp Plus billed annually: $300 a month, $3,600 a year, again before the platform fee. Ramp's free plan: $0, provided the 25 people spend on Ramp cards and your accounting system is QuickBooks Online or Xero.

Two rules decide whether those figures hold. Expensify bills Control at $36 per active member for anyone above the subscription size you committed to, double the $18 rate. A company that sizes an annual subscription at 20 and has 28 people file expenses in a busy month pays 20 at $18 plus 8 at $36, which is $648 that month instead of $504. Size the subscription honestly, including the seasonal and part-time people who file once a quarter. Ramp's equivalent rule is the platform fee on Plus: it is based on team size and the page gives no figure, so the per-user $15 is a floor. Get the platform fee in writing before you compare Plus to anything.

The card programs are both free to hold, and both pay something back. Ramp describes its card as a corporate charge card with no personal guarantee, no annual fee and no interest, and it pays cash back on card spend. The Expensify Card is a Visa commercial charge card with no annual fee and no foreign transaction fees, and Expensify states 1 percent cash back on every swipe, rising to 2 percent for companies spending over $250,000 a month across cards, on USD purchases on US cards. The Expensify Card also funds the software discount: the more of your Control spend runs on it, the closer the $18 gets to $9. Ramp does not sell a discount because its software is already $0; the card is the price.

Bill pay is where Ramp pulls ahead on scope. Ramp's free plan includes accounts payable with invoice capture, and its bill pay page lists the per-payment fees: $0.59 for a standard ACH, $1.99 for a mailed check, $10 for same-day ACH, $15 for a domestic wire and $20 for an international USD wire, waived except overnight checks and check attachments when you pay from a Ramp checking account. Ramp also files 1099s at $0.65 per IRS filing with free state filing. Expensify is an expense platform first: it collects, approves and reimburses employee expenses and syncs them to your books, and it sells global reimbursements, but it is not the tool a three-person AP team would pick to pay 200 vendor invoices a month. If payables is half your problem, Ramp's free plan does more of the job at $0.

Reimbursements deserve a direct question on the Ramp side. Expensify built its business on employee reimbursement and Collect handles it at $5. Ramp's pricing page lists auto receipt collection and matching, SMS and Slack expense completion and travel on the free plan, and puts the reimbursement lines it does print, spending limits, bulk submission and weekly batched reimbursements, under Plus and Enterprise. It does not print a reimbursement line under Free at all. If people paying out of pocket and getting paid back is your main expense flow, get Ramp to confirm in writing what the free plan covers before you compare it to Collect.

The right buy, stated plainly. Choose Ramp if you are ready to move card spend onto a new program, you pay vendors, and your books are in QuickBooks Online or Xero: the software line is $0 and bill pay comes with it. Choose Expensify Collect if you want to keep your existing cards and banks, your books are in QuickBooks or Xero, and $5 a member is the whole bill. If you run NetSuite or Sage Intacct, price Ramp Plus with the platform fee against Expensify Control at $18, and count the Expensify Card discount only if your team will actually carry the card. Ramp's own comparison page and Expensify's both argue their case well; the numbers above are what they publish.

Expenditure sits next to Expensify on the card question and beats both on what happens after the receipt arrives. We run on the Visa and Mastercard cards and bank accounts you already have, so there is no card program to adopt and no discount that depends on one. We read each receipt, decide which GL account the charge belongs to from the context around it rather than copying last time's code, check it against your written expense policy as it lands, match it to the card transaction and sync one clean record into QuickBooks, Xero or NetSuite. We also watch spend across every card, vendor and subscription and flag duplicate tools, unused seats and price creep, which is money neither Ramp nor Expensify goes looking for.

Expenditure costs $20, $35 or $55 per seat per month billed yearly, with no second rate for active users above a subscription size and no platform fee. That is more than Expensify Collect and more than Ramp's free plan, and we say so. What you pay for is GL coding from context, waste detection and policy checks on all of your cards, including the ones a card-first platform never sees. We never move or hold your money. We are bank-grade secure with role-based access, and we never sell or train on your financial data. This is software and insight, not financial, tax or accounting advice, and your finance team makes every call.