Softwr

Accounting · head to head

Ramp vs Sardine

Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite
Sardine logo

Sardine

Cybersecurity

Device intelligence and behaviour biometrics for fraud and compliance

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; Sardine signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • They diverge on capability: Ramp covers Corporate cards, Sardine covers Device intelligence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Ramp and Sardine actually diverge.

Attributes where Ramp and Sardine differ
AttributeRampSardine
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsWeb, Mobile appsWeb, iOS, Android
CategoryAccountingCybersecurity
Founded2019Unknown

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 Ramp

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

Only in Sardine

  • Device intelligence
  • Behaviour biometrics
  • Scam detection
  • Onboarding risk scoring
  • AML transaction monitoring
  • Dispute and chargeback handling
  • Rules editor

What people use each for

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

Ramp

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

Sardine

  • A neobank losing money to authorised push payment scams where the customer genuinely approved the transfernot Ramp
  • A crypto exchange trying to detect accounts being operated by remote access rather than by their ownernot Ramp
  • A fintech seeing synthetic identity signups that pass document verification but share device characteristicsnot Ramp
  • A lender wanting first party fraud signals at application time that a credit bureau file does not containnot Ramp

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

Sardine

  • Signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • Behavioural and device telemetry collection needs a documented lawful basis under GDPR, and EU privacy reviews frequently delay rollouts that were scoped as engineering work.
  • Pricing is per session or per active user, so a consumer product with many low value sessions pays in proportion to traffic rather than to fraud exposure.
  • As a younger private company it lacks the enforcement-tested audit history that a bank examiner expects, which makes it a harder sell inside a regulated bank than inside a fintech.
  • It is strongest on session-time signals and weaker as a system of record for long horizon AML typologies, so larger institutions end up running it alongside a traditional monitoring platform rather than instead of one.

Pricing, plan by plan

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

Sardine

On request
  • Sardine$undefined/year
    • Priced per user session or per monthly active user
    • Annual contract with volume commitment
    • SDK for web, iOS and Android

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 Sardine if

  • You need device intelligence.
  • You work on Web, iOS, Android.
  • You also want behaviour biometrics.
Sardine review

Questions people ask

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

Answered from the vendors’ own pages

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
Sardine: Does Sardine do document verification?

It focuses on device, behavioural and transaction signals, and integrates identity verification providers rather than being one. Treat it as complementary to a KYC vendor.

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
Sardine: What does it need from us to work?

An SDK in your web and mobile applications plus transaction feeds. Without the client side collector you lose the signals that differentiate it.

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
Sardine: Is pricing published?

No. It is quoted, typically per session or per monthly active user with an annual volume commitment.

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