Top 8 Ramp competitors for spend management software in 2025

Ramp is a spend management software platform that helps companies issue corporate cards, automate accounting workflows, and pay vendors. Businesses can also use Ramp to monitor employee spend policies and reconcile expenses. 

But while Ramp can help businesses simplify their finances, a bevy of competing spend management platforms have entered the fray since it was founded five years ago. Amid all your options, how do you find the solution best fit for your company’s finance needs? Use this guide for the low-down on eight standout Ramp alternatives — so you can choose a lasting platform to manage costs and plan ahead. 

What is spend management software?

Spend management software refers to the suite of SaaS products that help companies track employee expenses, monitor vendor transactions, and automate other accounting processes to make it easier to close the books and set accurate budgets. 

While not every spend management solution is created equal, the best platforms help control company spend by consolidating cards, expense reimbursements, and bill payments alongside payroll, giving companies full visibility into their financial standing. 

Keep in mind that since spend management platforms oversee different pillars of company finances, these solutions differ from conventional accounting software, which primarily helps bookkeepers record their company’s transactions.

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Quick comparison: Best Ramp competitors for spend management software at a glance

Methodology: How we chose the best Ramp competitors 

To evaluate Ramp’s competitors, we focused on how these platforms present their core spend management features and integrations. Where tools offered multiple product modules, we cross-referenced those pages to capture the full scope of capabilities. Alongside official product pages, we considered global payments documentation to confirm claims about accounting connectivity and international coverage. 

Wherever possible, we also looked at demos, video walk-throughs, and tutorials to form a first-hand experience of the tool’s look and feel. Third-party reviews from verified, uncompensated users rounded out our assessment of who gets the most value from each solution and why.

Rippling editorial policy: Rippling puts our customers (and prospective customers!) first. The Rippling team is committed to providing information supported by product data, insights, and customer feedback to inform our content.

Spend management software: The top 8 Ramp competitors

Read below for more information on each system, including key features, customer reviews sourced from G2 and Capterra, and pricing. 

1. Rippling

Rippling is an all-in-one platform that unifies HR, IT, and Finance into a single system, paving the way for time-saving automations that help businesses manage their workforce. 

Rippling Spend consolidates all of your company’s finances — from payroll and benefits to corporate cards and expense management–giving you an up-to-date view of cash flow across your company and offering unprecedented control over spending patterns. 

While most spend systems only allow for basic employee-manager approval chains, with Rippling’s advanced policy engine, you can set hyper-custom policies based on the vendor, dollar amount, and expense category, helping you block out-of-policy expenses with ease. If you’re one of the 59.3% of finance leaders spending significant time on expense processing, that should be music to your ears. You can also tee up automated workflows that help you control spend, like triggering an alert when a department’s expenses sharply increase. 

Key features of Rippling

Does Rippling fit your business?

• Rippling might be right for you if you want an integrated approach to HR, spend, and payroll that unifies all three functions in a single platform. It’s also a good choice if you’re looking for a single system for corporate cards, bill pay, reimbursements, and employee workflows. Midsize and growing companies typically benefit most from this breadth.

• Look elsewhere if you only need a simple corporate card or a lightweight AP automation tool. For small teams that don’t need rich HR or payroll integration, Rippling might be more tool than you need.

What customers think about Rippling 

• G2: Rippling has a 4.8-star rating, with customers praising its ease of use, expansive features, and unwavering customer support.

• Capterra: Rippling boasts a 4.9-star rating, with reviewers highlighting its flexibility, one-click simplicity, and time-saving automations.

*These ratings apply to Rippling as a whole, including its HRIS and other products with which Rippling Spend integrates.

Pricing 

Rippling's pricing starts at $8 per user per month for the core platform, which includes essential HR and IT features. Additional modules, such as payroll, benefits, and expense management, can be added to create a customized plan tailored to your company's specific needs.

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2. Brex

Brex launched in 2017 and helps companies streamline their business spending with customizable expense policies, automated receipt capture, and accounting integrations. The AI-powered spend platform also offers corporate credit cards, travel booking shortcuts, and invoice scanning for vendor bills. 

Key features of Brex

Does Brex fit your business?

• Brex might be right for you if you’re looking for a spend platform with card rewards, real-time budget controls, and integrations with major accounting systems. Startups and high-growth companies, in particular, can get a lot of value out of this consolidated approach to cards, bill pay, and reimbursement.

• Look elsewhere if you need more or deeper centralization that goes further in connecting with your HRIS systems. Brex also works best for companies with a dedicated finance function, so it may not be a great fit for small teams.

What customers think about Brex

• G2: A 4.7-star rating and praise for its credit card rewards program and user-friendly interface, though some customers ran into approval issues.

• Capterra: 4.5 stars, with appreciation for Brex’s simplified receipt-matching features and attentive customer support. 

Pricing 

Brex allows startups to open an account for free, albeit with very limited offerings, and a premium offering that starts at $12 per user per month that’s designed for mid-sized companies. 

3. BILL

BILL Spend & Expense, formerly known as Divvy, is an expense management solution that offers adjustable spend controls, automated expense categorization, and virtual credit cards, which mitigate fraud and help finance teams manage their budgets. 

Key features of BILL

Does BILL fit your business?

• BILL might be right for you if you’re focused on AP and spend and want a combined platform that includes cards, reimbursements, and international vendor payments. It can be a good choice for a finance team with extensive accounts payable needs.

• Look elsewhere if you need extensive global entity support or more advanced spend control tools. BILL is strong on payables and budgeting, but less comprehensive outside that scope with no payroll or HR tool integrations.

What customers think about BILL

• G2: BILL has 4.5 stars, with customers appreciating its simple UI and mobile app features. 

• Capterra: 4.7 stars for its customer service, budgeting features, and quick invoice-processing. 

Pricing

BILL Spend & Expense offers a free plan that includes access to its expense management software, physical and virtual cards, and a mobile app for all users. The company provides credit lines ranging from $500 to $5M, depending on the business's eligibility and needs.

4. SAP Concur

SAP Concur's cloud-based expense management platform helps businesses control costs and monitor compliance. Concur has integrations across travel, invoice, and expense. It also syncs with accounting software like QuickBooks, NetSuite, and SAP’s Enterprise Resource Planning (ERP) solution. 

Key features of SAP Concur

Does SAP Concur fit your business?

• SAP Concur might be right for you if you manage complex expense and invoice processes across multiple countries and need a system that ties closely into SAP or other large ERPs. It’s designed for larger enterprises that need strong compliance controls and global policy enforcement.

• Look elsewhere if you’re a small or mid-size company that needs an intuitive spend tool. Concur can be more complex and costly than equally powerful tools.

What customers think about SAP Concur 

• G2: Concur has four out of five stars, scoring high on functionality and comprehensive feature stack, but lower scores than average for ease of setup (7.9 out of 10) and support (8 out of 10). 

• Capterra: 4.3 stars for efficient expense tracking and reporting. 

Pricing 

Concur offers customized pricing based on desired product modules, monthly expense report volume, and the number of users. Interested businesses can request a free quote on the Concur website or test out the platform's features with a free 15-day trial.

5. Navan

Like other platforms listed, Navan is a travel, corporate card, and expense management solution. It offers automated expense categorization, adjustable spend controls, and global reimbursements across 45 countries and 25 currencies.

Key features of Navan

Does Navan fit your business?

• Navan might be right for you if travel is your primary concern. It’s primarily a travel management tool with light expense management features suitable for enforcing a T&E policy.

• Look elsewhere if you need a feature-rich solution to manage spend, corporate cards, accounts. Likewise, if you have intensive travel needs, Navan may not have the richer rewards and features required for a larger company to maximize value.

What customers think about Navan 

• G2: 4.7 stars for its user-friendly interface and productivity-boosting expense management features

• Capterra: 4.6 stars for its time-saving travel booking tools. 

Pricing

Navan provides customized pricing plans based on business needs and size, with a free trial available. The platform’s sales team can give you a personalized quote. 

6. Paylocity

Paylocity consolidates guided procurement, accounts payable automation, expense management, and corporate cards into a single, user-friendly interface.

Key features of Paylocity

Does Paylocity fit your business?

• Paylocity might be right for you if you already use its payroll and HR platform and want to roll in expense management, reimbursements, and AP automation. It might also work for companies with international teams that need reimbursements processed in local currencies.

• Look elsewhere if you need advanced corporate card features or broad global spend controls beyond reimbursements. Paylocity’s finance tools work best with its core HR and payroll suite, rather than as a standalone platform.

What customers think about Paylocity 

G2: 4.5 stars for its easy-to-navigate interface, invoice approval features, and robust integrations. 

Capterra: 4.4 stars for its customer service and HR management features.

Paylocity 

Paylocity provides pricing on request.

7. Spendesk

Spendesk is an end-to-end spend management system that helps companies control costs while giving employees access to physical and virtual credit cards compliant with pre-set purchasing policies. The system also automatically maps payments to the right GL codes. 

Key features of Spendesk

Does Spendesk fit your business?

• Spendesk might be right for you if you’re a European company or a finance team managing multiple entities across Europe. 

• Look elsewhere if you’re based outside of Europe or need more comprehensive global spend. Spendesk is strongest as a regional expense and accounting automation tool rather than a global workforce finance platform.

What customers think about Spendesk 

• G2: 4.7 stars digital receipt management, smart categorization, mobile upload capabilities. 

• Capterra: 4.8 stars for its ease of use and time-saving expense management automations. 

Pricing 

Contact the Spendesk sales team to get a custom quote. 

8. Mesh

Mesh helps global teams combine expense management, travel arrangements, and credit cards into one system, saving time collecting receipts and reconciling transactions. 

Key features of Mesh

Does Mesh fit your business?

• Mesh might be right for you if you want strong controls on corporate card and SaaS subscriptions, coupled with multi-entity and multi-currency coverage tied to your accounting system. 

• Look elsewhere if you want a broader workforce platform. Mesh is focused primarily on payments, card controls, and accounting sync rather than end-to-end people data.

What customers think about Mesh 

• G2: 4.6 stars for a quick initial set up, reliable receipt collection, and credit card controls that help with budgeting. 

• Capterra: 4.9 stars for standout customer support. 

Pricing 

Small businesses can get started on Mesh for free. The platform also offers a premium subscription for medium-sized businesses starting at $10 per user per month. If you’re an enterprise company, you can contact the sales team for a custom quote. 

Which Ramp competitor and spend management platform is best for your business?

While all of these spend management providers can save companies time on cumbersome manual work and give teams more visibility into their finances, Rippling is the only system that unifies all aspects of workforce management. That makes it a strong choice for finance leaders at mid-size and growing companies that want card programs, reimbursements, spend controls, and other features built on top of payroll and employee data.

Startups that mainly want a corporate card with rewards and accounting integrations might want to look at Brex or Ramp. Larger enterprises, on the other hand, will probably find their complex needs best served by SAP Concur, though Rippling also has the chops to handle multi-entity management. European firms looking for a homegrown solution with a unified approach might be interested in Spendesk.

If your main priority is AP or automation, BILL and Paylocity standout. Likewise, Navan offers solid travel and expense management with centralized reimbursements. But if you want a platform that scales with you and reduces the number of disconnected tools, Rippling stands out as the better choice.  

Rippling: The best Ramp competitor for spend management software

While there are plenty of reliable spend solutions, they’re often siloed from the rest of a company’s workforce management processes. Rippling, by contrast, uses employee data as the single source of truth to connect spend, IT, and HR into a cohesive, interoperable system that allows for more automations and less busywork. 

For example, Rippling can automatically assign and send a corporate card and pre-configured laptop to new employees once they sign an offer letter, using the employee data captured during onboarding to set limits and purchasing controls uniquely suited for their spending needs. And if an employee leaves or is terminated, Rippling can automatically lock both their card and device. 

In addition to more automations, Rippling’s unified hub of employee data gives companies vast control over their spend. Why? You can customize hyper-granular policies based on an employee’s role, department, and other attributes and authorize purchases based on vendor, type of transaction, and amount. 

What’s more, Rippling's global payroll and expense management features make it an ideal choice for businesses with international teams or those looking to expand globally. Whether paying international contractors or hiring a full-time employee in a new global market, Rippling can support you as you scale worldwide. 

With Rippling, you can: 

• Create granular, role-based spending policies and approval chains

• Automate otherwise tedious expense management tasks like flagging duplicate or mismatched receipts and syncing transactions to your general ledger

• Issue, manage, and revoke corporate cards with customizable spend controls based on employee spending needs

• Automatically convert expenses into local currencies, simplifying international expense reimbursements

Comprehensive analytics and reporting, providing real-time visibility into workforce data and spending trends (with role-based permissions dictating who can see what)