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Payroll · head to head

Payhawk vs Ramp

Payhawk logo

Payhawk

Payroll

Modular spend management combining corporate cards, accounts payable, procurement and travel

From
On request
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Accounting

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: Payhawk buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Payhawk covers Accounts payable automation, Ramp covers Expense management.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Payhawk and Ramp actually diverge.

Attributes where Payhawk and Ramp differ
AttributePayhawkRamp
Starting priceOn requestFree
Pricing modelPer module per monthsubscription
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, Mobile apps
CategoryPayrollAccounting
FoundedUnknown2019

Identical on both: 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 Payhawk

  • Accounts payable automation
  • Procurement module
  • Travel booking
  • ERP integrations
  • Multi-entity consolidation

Only in Ramp

  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • QuickBooks
  • NetSuite
  • Xero
  • Sage Intacct

Both cover

  • Corporate cards

What people use each for

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

Payhawk

  • A multi-entity European business wanting one system for cards, expenses and payables across currenciesnot Ramp
  • A finance team that wants to price spend management before a sales call rather than negotiating blindnot Ramp
  • A company wanting only accounts payable automation without paying for card issuing it does not neednot Ramp
  • A mid-market business standardising ERP-integrated expense reporting ahead of a fundraise or auditnot Ramp

Ramp

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

Where each one falls short

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

Payhawk

  • Buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
  • The unlimited-seats model is a poor fit for a company issuing cards to only a handful of employees, since the fixed module price does not scale down.
  • Card issuing depends on Payhawk's own banking partners rather than a company's existing bank, so switching away later means reissuing cards and re-training staff on a new tool.
  • Procurement is a separate paid module rather than a built-in feature, so a company evaluating "Payhawk" from marketing material may be looking at capability it has not actually bought.
  • International card acceptance and FX handling vary by market, and companies with material spend outside Europe report gaps compared to global card issuers.

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

Payhawk

On request
  • Travel$299/month
    • Integrated travel booking
    • Unlimited employee seats
  • Accounts Payable$349/month
    • Invoice capture and approval routing
    • Unlimited document processing
  • Cards and Expenses$449/month
    • Unlimited card transactions
    • Multi-entity expense management
  • Procurement$499/month
    • Purchase request and approval workflow
    • Vendor management

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 Payhawk if

  • You need accounts payable automation.
  • You work on Web, iOS, Android.
  • You also want procurement module.
Payhawk review

Choose Ramp if

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

Questions people ask

Is Payhawk or Ramp better?
Neither clearly leads. Payhawk 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, Payhawk or Ramp?
Ramp has a free tier; the other does not. Paid plans start at On request for Payhawk and Free for Ramp.
Does Payhawk or Ramp run on more platforms?
Payhawk runs on Web, iOS, Android. 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. Payhawk starts at On request.
What is Payhawk best used for?
Payhawk is most often used for a multi-entity european business wanting one system for cards, expenses and payables across currencies, a finance team that wants to price spend management before a sales call rather than negotiating blind, a company wanting only accounts payable automation without paying for card issuing it does not need, a mid-market business standardising erp-integrated expense reporting ahead of a fundraise or audit. Of those, a multi-entity european business wanting one system for cards, expenses and payables across currencies and a finance team that wants to price spend management before a sales call rather than negotiating blind are not what Ramp is typically brought in for.
What can Payhawk do that Ramp cannot?
Payhawk covers Accounts payable automation, Procurement module, Travel booking, ERP integrations. Ramp covers Expense management, Bill pay, Accounting automation, Spend insights. Both handle Corporate cards.

Answered from the vendors’ own pages

Payhawk: Is Payhawk pricing really public?

Yes, module pricing (Travel, Accounts Payable, Cards and Expenses, Procurement) is published starting at 299 to 499 dollars a month per module, or bundled as Payhawk Complete.

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
Payhawk: Does it charge per seat?

No, each module includes unlimited employee seats; the fixed monthly fee does not increase with headcount.

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
Payhawk: Can we buy just one module?

Yes, modules are sold separately, so a company can buy Accounts Payable without Cards or Procurement.

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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