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Accounting · head to head

Netvisor vs Ramp

Netvisor logo

Netvisor

Accounting

Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges

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: Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Netvisor covers Finnish general ledger, Ramp covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Netvisor and Ramp actually diverge.

Attributes where Netvisor and Ramp differ
AttributeNetvisorRamp
PlatformsWebWeb, Mobile apps
FoundedUnknown2019

Identical on both: starting price (Free), pricing model (subscription), free tier (Yes), user rating (Not yet rated), category (Accounting).

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 Netvisor

  • Finnish general ledger
  • Value added tax reporting
  • Bank connections
  • Electronic invoicing
  • Purchase invoice workflow
  • Sales invoicing
  • Payroll
  • Incomes register reporting

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.

Netvisor

  • A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Ramp
  • A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Ramp
  • A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Ramp
  • A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Ramp

Ramp

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

Where each one falls short

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

Netvisor

  • Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
  • It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
  • The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
  • Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
  • Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.

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

Netvisor

Free
  • Starter$25/month
    • Basic accounting, 1000 transactions, invoicing, payroll for 1 person
  • Basic$25/month
    • Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
  • Core$25/month
    • All Basic features, invoices included in monthly cost
  • Professional$25/month
    • All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders

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 Netvisor if

  • You need finnish general ledger.
  • You want to start without paying.
  • You also want value added tax reporting.
Netvisor 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 Netvisor or Ramp better?
Neither clearly leads. Netvisor 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, Netvisor or Ramp?
Netvisor starts at Free and Ramp at Free.
Does Netvisor or Ramp run on more platforms?
Netvisor runs on Web. Ramp runs on Web, Mobile apps.
Can I use Netvisor for free?
Both have a free tier, so you can try either at no cost before committing.
What is Netvisor best used for?
Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what Ramp is typically brought in for.
What can Netvisor do that Ramp cannot?
Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing. Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.

Answered from the vendors’ own pages

Netvisor: Is Netvisor usable outside Finland?

Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.

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
Netvisor: Why is the pricing structured per transaction?

It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.

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
Netvisor: Can my accounting firm work in it with me?

Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.

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
Netvisor: Does it handle payroll for collective agreements?

It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.

Netvisor: What about the incomes register?

Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.

Netvisor: Is it a full ERP?

It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.

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