Softwr

Payroll · head to head

Extend vs Ramp

Extend logo

Extend

Payroll

Virtual card issuing and spend controls layered onto existing business credit cards

From
Free
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Extend it depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Extend covers Virtual card issuing, Ramp covers Corporate cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Extend and Ramp actually diverge.

Attributes where Extend and Ramp differ
AttributeExtendRamp
Pricing modelPer user per month, free starter tiersubscription
PlatformsWeb, iOS, AndroidWeb, Mobile apps
CategoryPayrollAccounting
FoundedUnknown2019

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

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 Extend

  • Virtual card issuing
  • Per-card spend controls
  • Approval workflows
  • Receipt auto-matching
  • ERP integrations
  • API access

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.

Extend

  • A small business wanting free vendor-level virtual card controls without opening a new card programmenot Ramp
  • A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot Ramp
  • A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot Ramp
  • A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot Ramp

Ramp

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

Where each one falls short

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

Extend

  • It depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
  • The free Starter plan is capped at five users and 100 cards a month, which small but growing teams will outgrow quickly and need to upgrade past.
  • The Pro plan enforces a ten-user minimum, so a company with only two or three people who need virtual cards pays for unused seats.
  • Rewards, credit terms and dispute resolution still run through the underlying card issuer, so Extend cannot improve or change those terms; it only adds a control layer on top.
  • Deeper ERP integrations such as NetSuite and Dynamics 365 are reserved for the custom-quoted Enterprise tier, so companies needing them lose the pricing transparency of the published Starter and Pro plans.

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

Extend

Free
  • StarterFree
    • Up to 5 users and 10 guests
    • Up to 100 virtual cards per month
    • One expense category
  • Pro$11.99/month
    • 10 user minimum
    • Up to 500 virtual cards per month
    • Custom approval workflows and QuickBooks Online integration
  • Enterprise$undefined/month
    • Unlimited users and virtual cards
    • API access for automated card issuance
    • NetSuite and Dynamics 365 integration, dedicated account manager

Ramp

Free
  • FreeFree
    • Unlimited physical and virtual corporate cards
    • Receipt collection and matching
    • AI-powered OCR invoice capture
  • Plus$15/month
    • All Free plan features
    • Auto-lock cards for compliance violations
    • 24/7 phone support
  • Enterprise$null/year
    • All Plus plan features
    • Custom pricing
    • Workday and Oracle integrations

Which should you pick?

Choose Extend if

  • You need virtual card issuing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want per-card spend controls.
Extend 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 Extend or Ramp better?
Neither clearly leads. Extend starts at Free and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Extend or Ramp?
Extend starts at Free and Ramp at Free.
Does Extend or Ramp run on more platforms?
Extend runs on Web, iOS, Android. Ramp runs on Web, Mobile apps.
Can I use Extend for free?
Both have a free tier, so you can try either at no cost before committing.
What is Extend best used for?
Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what Ramp is typically brought in for.
What can Extend do that Ramp cannot?
Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching. Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.

Answered from the vendors’ own pages

Extend: Does Extend replace our business credit card?

No, it issues virtual cards against an existing American Express, Visa or Mastercard business credit line rather than opening a new card programme.

Ramp: How much does Ramp Plus plan cost?

Ramp Plus plan costs $15 USD per user per month plus a platform fee based on team size. Annual billing provides a 20% discount compared to monthly billing.

Source
Extend: Is there really a free plan?

Yes, the Starter plan is free for up to five users, ten guests and 100 virtual cards a month.

Ramp: What accounting systems does Ramp integrate with?

Ramp Free and Plus plans integrate with QuickBooks Online and Xero. Plus plan adds access to additional ERP systems, and Enterprise plan supports Workday, Oracle, and advanced options.

Source
Extend: What does Pro cost?

11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.

Ramp: Does Ramp offer a free plan?

Yes, Ramp Free plan includes unlimited corporate cards, AI invoice capture, receipt collection, multiple payment methods, QuickBooks and Xero integrations, and 24/7 chat support. No pricing is charged for the Free tier.

Source
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