Softwr

Accounting · head to head

Ramp vs Recurly

Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite
Recurly logo

Recurly

Accounting

The subscription management platform built for growth

From
$249/month
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; Recurly starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage
  • They diverge on capability: Ramp covers Corporate cards, Recurly covers Subscription billing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Ramp and Recurly actually diverge.

Attributes where Ramp and Recurly differ
AttributeRampRecurly
Starting priceFree$249/month
Free tierYesNo
PlatformsWeb, Mobile appsWeb, Api
Founded20192009

Identical on both: pricing model (subscription), 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 Ramp

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

Only in Recurly

  • Subscription billing
  • Revenue recovery
  • Payment gateway optimization
  • Analytics
  • API
  • Stripe
  • PayPal
  • Braintree

Both cover

  • SOC 2
  • PCI DSS
  • Web support

What people use each for

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

Ramp

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

Recurly

  • Subscription billing and recurring invoicingnot Ramp
  • Dunning and failed payment recoverynot Ramp
  • Trials, plan changes and promotionsnot Ramp
  • Revenue recognition through the RevRec add-onnot Ramp
  • Shopify-native subscriptions with subscribe and savenot 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

Recurly

  • Starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage
  • All-Access is quoted at under 1 percent of billing volume with a $1M minimum, putting it out of reach of smaller merchants
  • Only one dunning campaign on Starter; multiple campaigns need All-Access
  • SSO, multicurrency and payments orchestration are All-Access only
  • Revenue recognition and the Engage churn tooling are separate add-ons at $850 and $1,600 a month

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

Recurly

$249/month
  • Starter$249/month
    • Automated global subscription billing
    • Flexible plans and static churn-prevention tools
    • 1 dunning campaign
  • All-Access$null/month
    • Everything in Starter plus AI-powered agents and analytics
    • Intelligent churn-prevention with multiple dunning campaigns
    • Advanced pricing and promotions
  • All-Access for Shopify$null/month
    • Intelligent churn-prevention and customized bundles
    • Subscribe and save, prepaid/gift subscriptions
    • Hybrid subscription support and cancel-save flows

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 Recurly if

  • You need subscription billing.
  • You work on Web, Api.
  • You also want revenue recovery.
Recurly review

Questions people ask

Is Ramp or Recurly better?
Neither clearly leads. Ramp starts at Free and Recurly at $249/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Ramp or Recurly?
Ramp has a free tier; the other does not. Paid plans start at Free for Ramp and $249/month for Recurly.
Does Ramp or Recurly run on more platforms?
Ramp runs on Web, Mobile apps. Recurly runs on Web, Api.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Recurly starts at $249/month.
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 Recurly is typically brought in for.
What can Ramp do that Recurly cannot?
Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation. Recurly covers Subscription billing, Revenue recovery, Payment gateway optimization, Analytics. Both handle SOC 2, PCI DSS, Web support.

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
Recurly: What does Recurly's Starter plan cost?

Recurly Starter plan costs 249 USD monthly plus 0.9 percent of billing volume, with the first 40000 USD monthly volume included in the base fee.

Source
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
Recurly: What is the minimum commitment for Recurly's All-Access plan?

All-Access plans require a minimum 1 million USD annual commitment, billed annually at less than 1 percent of billing volume.

Source
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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