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Software · head to head

Authorize.net vs Ramp

A

Authorize.net

Software

We help make it easy to get paid

From
On request
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Software

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Ramp has a free tier, so it costs nothing to try first.
  • Each has a real cost: Authorize.net all-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it; Ramp procurement module unavailable on Free plan; available as add-on on Plus

Where they differ

Only the attributes on which Authorize.net and Ramp actually diverge.

Attributes where Authorize.net and Ramp differ
AttributeAuthorize.netRamp
Starting priceOn requestFree
Pricing modelsubscriptionUnknown
Free tierNoYes
PlatformsWebWeb, Mobile apps
FoundedUnknown2019

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Authorize.net

Nothing recorded that Ramp does not also cover.

Only in Ramp

  • Corporate cards
  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • QuickBooks
  • NetSuite
  • Xero

What people use each for

The jobs each tool is most often brought in to do.

Authorize.net

No use cases recorded yet. See the Authorize.net review.

Ramp

  • Corporate expense management and automationnot Authorize.net
  • Accounts payable automation with AI invoice processingnot Authorize.net
  • Multi-currency travel and policy managementnot Authorize.net

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Authorize.net

  • All-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it
  • eCheck processing carries its own $10 monthly minimum fee separate from the card processing charges

Ramp

  • Procurement module unavailable on Free plan; available as add-on on Plus
  • Workday and Oracle Fusion integrations limited to Enterprise tier only
  • Multi-entity functionality requires Plus tier or higher
  • Local card issuance in 30+ countries limited to Enterprise tier
  • Advanced ERP integrations require higher tier selection

Pricing, plan by plan

Authorize.net

On request

No published plan breakdown. See the Authorize.net review.

Ramp

Free

No published plan breakdown. See the Ramp review.

Which should you pick?

Choose Authorize.net if

Nothing in the data separates Authorize.net from Ramp on the points above - pick on price and on how each one feels to use.

Authorize.net review

Choose Ramp if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Mobile apps.
  • You also want expense management.
Ramp review

Questions people ask

Is Authorize.net or Ramp better?
Neither clearly leads. Authorize.net starts at On request and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Ramp?
Ramp has a free tier; the other does not. Paid plans start at On request for Authorize.net and Free for Ramp.
Does Authorize.net or Ramp run on more platforms?
Authorize.net runs on Web. Ramp runs on Web, Mobile apps.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Authorize.net starts at On request.
What can Authorize.net do that Ramp cannot?
Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.
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Related pages

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