Softwr

Accounting · head to head

Ramp vs Volopay

Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite
Volopay logo

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

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; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • They diverge on capability: Ramp covers Corporate cards, Volopay covers Multi-currency business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Ramp and Volopay actually diverge.

Attributes where Ramp and Volopay differ
AttributeRampVolopay
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsWeb, Mobile appsWeb, iOS, Android
CategoryAccountingPayroll
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
  • Bill pay
  • Accounting automation
  • Spend insights
  • QuickBooks
  • NetSuite
  • Xero
  • Sage Intacct

Only in Volopay

  • Multi-currency business accounts
  • Virtual and physical corporate cards
  • Accounts payable automation
  • Accounting integrations
  • Approval workflows

Both cover

  • Expense management

What people use each for

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

Ramp

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

Volopay

  • A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Ramp
  • A finance team wanting free domestic transfers with accounts payable automation includednot Ramp
  • A regional business consolidating separate local business bank accounts into one multi-currency platformnot Ramp
  • A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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

Volopay

  • Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
  • Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
  • Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
  • As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

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

Volopay

On request
  • Volopay$undefined/month
    • Free domestic SGD transfers and Accounts Payable Automation
    • Approximately 1.6% fee on cross-border non-SGD payments
    • Approximately 3.1% fee on cross-currency spend within Singapore

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 bill pay.
Ramp review

Choose Volopay if

  • You need multi-currency business accounts.
  • You work on Web, iOS, Android.
  • You also want virtual and physical corporate cards.
Volopay review

Questions people ask

Is Ramp or Volopay better?
Neither clearly leads. Ramp starts at Free and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Ramp or Volopay?
Ramp has a free tier; the other does not. Paid plans start at Free for Ramp and On request for Volopay.
Does Ramp or Volopay run on more platforms?
Ramp runs on Web, Mobile apps. Volopay runs on Web, iOS, Android.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Volopay 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 Volopay is typically brought in for.
What can Ramp do that Volopay cannot?
Ramp covers Corporate cards, Bill pay, Accounting automation, Spend insights. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Accounting integrations. Both handle Expense management.

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
Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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
Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

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
Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

Share

Related pages

More on Ramp

More on Volopay

Keep looking

Other head to heads