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Software · head to head

Ramp vs Razorpay

Ramp logo

Ramp

Software

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite
R

Razorpay

Software

Accept, process and disburse payments with India's leading payments platform

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Ramp has a free tier, so it costs nothing to try first.
  • Each has a real cost: Ramp procurement module unavailable on Free plan; available as add-on on Plus; Razorpay international card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee

Where they differ

Only the attributes on which Ramp and Razorpay actually diverge.

Attributes where Ramp and Razorpay differ
AttributeRampRazorpay
Starting priceFreeOn request
Pricing modelUnknowntransaction
Free tierYesNo
PlatformsWeb, Mobile appsWeb
Founded2019Unknown

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 Ramp

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

Only in Razorpay

Nothing recorded that Ramp does not also cover.

What people use each for

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

Ramp

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

Razorpay

No use cases recorded yet. See the Razorpay review.

Where each one falls short

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

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

Razorpay

  • International card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee
  • Instant refunds cost between Rs. 7.99 and Rs. 14.99 per refund on top of the transaction fee, per Razorpay's own pricing page; standard refunds are free but instant ones are not

Pricing, plan by plan

Ramp

Free

No published plan breakdown. See the Ramp review.

Razorpay

On request

No published plan breakdown. See the Razorpay review.

Which should you pick?

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

Choose Razorpay if

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

Razorpay review

Questions people ask

Is Ramp or Razorpay better?
Neither clearly leads. Ramp starts at Free and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Ramp or Razorpay?
Ramp has a free tier; the other does not. Paid plans start at Free for Ramp and On request for Razorpay.
Does Ramp or Razorpay run on more platforms?
Ramp runs on Web, Mobile apps. Razorpay runs on Web.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Razorpay starts at On request.
What is Ramp best used for?
Ramp is most often used for corporate expense management and automation, accounts payable automation with ai invoice processing, multi-currency travel and policy management. Of those, corporate expense management and automation and accounts payable automation with ai invoice processing are not what Razorpay is typically brought in for.
What can Ramp do that Razorpay cannot?
Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.
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Related pages

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