# Ramp vs Spendesk

**Leader by vioscaleAI score:** Ramp

| Attribute | Ramp | Spendesk |
|---|---|---|
| **vioscaleAI score** | 74.1 (50% (medium)) | 43.1 (58% (medium)) |
| content.faq | `[{"answer":"An integrated platform for managing company spending that combines physical and virtual corporate cards with automated expense capture, intelligent invoice processing, real-time spending controls, and streamlined approval workflows. It is indexed under Expense & Procurement Software.","source":"https://ramp.com","question":"What is Ramp?","confidence":0.6},{"answer":"Ramp offers a free tier, so you can start without paying. Paid plans start at $15 per user per month. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://ramp.com","question":"Is Ramp free?","confidence":0.6},{"answer":"We have confirmed browser-based access to Ramp. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://ramp.com","question":"What platforms does Ramp support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Ramp, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://ramp.com","question":"Can Ramp be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 and ISO 27001 for Ramp. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Ramp not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.ramp.com","question":"What security certifications does Ramp have?","confidence":0.7}]` | `[{"answer":"Spendesk offers physical and virtual corporate cards, expense reporting tools, and spending controls for managing company expenditures. The platform provides real-time spend visibility, approval workflows, and integration with HR systems for employee data management. It is indexed under Expense & Procurement Software.","source":"https://www.spendesk.com/","question":"What is Spendesk?","confidence":0.6},{"answer":"Spendesk does not publish its prices. Pricing is quoted on request, across 1 plan (Foundations), so the figure depends on your seat count and requirements. We record this as a pricing-transparency signal rather than guessing a number. Pricing changes often, so verify at source before relying on it.","source":"https://www.spendesk.com/","question":"How much does Spendesk cost?","confidence":0.6},{"answer":"Spendesk supports the web, iOS and Android. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://www.spendesk.com/","question":"What platforms does Spendesk support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Spendesk, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.spendesk.com/pricing/","question":"Can Spendesk be self-hosted?","confidence":0.6},{"answer":"We have confirmed 8 integrations for Spendesk, including Personio, HiBob, Workday, Bamboo HR, Payfit, Lucca, Deel and NetSuite. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.spendesk.com/pricing/","question":"What does Spendesk integrate with?","confidence":0.6},{"answer":"We have independently confirmed ISO 27001 and GDPR for Spendesk. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Spendesk not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.spendesk.com/blog/uk-sox-regulatory-compliance/","question":"What security certifications does Spendesk have?","confidence":0.7}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Provides integrated corporate card issuance, automated expense tracking, bill payment processing, and accounts payable management with AI-driven workflows to streamline financial operations globally. | An AI-powered spend management platform that integrates corporate card issuance, employee expense reimbursement, accounts payable, and procurement workflows into a single interface. Finance teams use it to automate spending policies, collect receipts automatically, and gain real-time insights into company spending. |
| features.capabilities | `{"ocr_capture":true,"procurement":"full_p2p","multi_entity":true,"ap_automation":true,"spend_controls":true,"travel_booking":"native","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":true}` | `{"sso_scim":true,"api_access":"full","ocr_capture":true,"procurement":"full_p2p","multi_entity":true,"ap_automation":true,"funding_model":"saas_fee","spend_controls":true,"travel_booking":"integration","accounting_sync":"one_way","corporate_cards":"virtual","expense_reporting":true,"international_payments":true}` |
| integrations.count | 200 | 40 |
| integrations.list | `[{"name":"Slack"},{"name":"Microsoft Teams"}]` | `[{"name":"Personio"},{"name":"HiBob"},{"name":"Workday"},{"name":"Bamboo HR"},{"name":"Payfit"},{"name":"Lucca"},{"name":"Deel"},{"name":"NetSuite"},{"name":"Xero","native":true,"category":"accounting"},{"name":"QuickBooks","native":true,"category":"accounting"},{"name":"DATEV","native":true,"category":"accounting"},{"name":"Sage 100","native":true,"category":"accounting"},{"name":"MS Business Central","native":true,"category":"accounting"},{"name":"Odoo","native":true,"category":"accounting"},{"name":"Slack","native":true,"category":"chat"},{"name":"TravelPerk","native":false,"category":"travel"},{"name":"BambooHR","native":false,"category":"hr"},{"name":"SAP SuccessFactors","native":false,"category":"hr"},{"name":"Okta","native":true,"category":"identity"},{"name":"Azure AD","native":true,"category":"identity"},{"name":"Entra ID","native":true,"category":"identity"},{"name":"SAML SSO","native":true,"category":"identity"},{"name":"Spendesk API","native":true},{"name":"Spendesk AI Connect","native":true}]` |
| market.availability | `{"primaryMarkets":[],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":["EU","GB"],"availabilityScope":"regional","availableCountries":["EU","GB"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"ios":true,"web":true,"android":true}` |
| pricing | `{"type":"subscription","plans":[{"free":true,"name":"Free","features":["Unlimited physical and virtual corporate cards","Card issuing controls","Complete expenses via SMS or Slack","Custom travel policy","Book flights, hotels, and car rentals","Auto-receipt collection and matching","Automated invoice extraction (OCR)","Configurable approval workflows","Automated fraud checks","Pay bills by ACH, card, check, wire, and more","Earn 4.31% in Ramp Investment Account","Earn 2% on FDIC-insured cash account","No fees or minimum deposits","Free wires and same-day ACH","Basic accounting rules","QuickBooks Online and Xero integrations","Custom reports and insights via AI","Custom report builder","Automated vendor tracking and contract extraction","Price intelligence"],"components":[{"kind":"fixed","amount":0,"period":"month","currency":"USD"}],"description":"Best for smaller teams who want to simplify finances.","contactSales":false},{"free":false,"name":"Plus","features":["All Free features","AI-driven expense reviews and policy insights","Auto-lock cards when compliance is unmet","24/7 phone support for travel bookings","Auto-coded line items","AI-driven approval recommendations","Automated batch payments","Payment release approvals","NetSuite, Sage Intacct, and more integrations","AI coding for every field","Automate approval and sync of routine spend","Multi-entity business support","Auto tax capture and coding","Share live reports and schedule exports","Track budgets vs. actuals in real time","Custom user roles","Multi-entity visibility restrictions","Audit log"],"components":[{"kind":"per_unit","unit":"user","amount":15,"period":"month","currency":"USD"}],"description":"Perfect for teams who want to use AI-driven automation to eliminate busywork.","contactSales":false},{"free":false,"name":"Enterprise","features":["All Plus features","Workday and Oracle Fusion Cloud integrations","Locally funded reimbursements","Pay card payments in local currency","Local currency card issuing in 30+ countries","Dedicated account and customer success manager","Priority 24/7 global support","Custom implementation scoping and rollout plan","Integration setup and validation testing","Employee training and change management","Custom development","ERP extensions and configurations","Custom policy and workflow configuration","Advanced organization, role, and entity configuration"],"commitment":"annual","description":"Made for teams who need full customization.","contactSales":true}],"addOns":[{"name":"Procurement"}],"summary":"Free tier available. Plus at $15/user/month. Enterprise plans available.","currency":"USD","freeTier":true,"sourceUrl":"https://ramp.com","retrievedAt":"2026-08-01T15:01:37.681Z","startingPrice":{"amount":15,"period":"month","currency":"USD"},"billingPeriods":["month","year"]}` | `{"type":"subscription","plans":[{"free":false,"name":"Foundations","features":["Unlimited physical cards","Single-use and recurring virtual cards","Multi-use cards for projects","Receipt OCR and automatic collection","Expense reimbursement and tracking","Real-time budget monitoring","Custom spending rules and approvals","SSO/SAML authentication","Accounting integrations","Multi-entity workflows","Spendesk AI Connect (MCP)"],"contactSales":true}],"summary":"Fixed monthly fee plus transaction-based variable costs. Unlimited users and card orders. Annual or month-to-month commitment available.","currency":"GBP","freeTier":false,"sourceUrl":"https://www.spendesk.com/pricing/","retrievedAt":"2026-09-22T13:44:41.631Z","billingPeriods":["month","year"]}` |
| pricing.free_tier | yes | no |
| pricing.model | commercial | quote |
| pricing.price_level | mid | unknown |
| pricing.transparent | yes | no |
| reliability.status_page | - | yes |
| security.certifications | - | `[{"name":"ISO 27001:2022","status":"active"}]` |
| security.disclosure_policy | yes | yes |
| security.fedramp | yes | - |
| security.gdpr | - | yes |
| security.iso27001 | yes | yes |
| security.pci | yes | yes |
| security.soc2 | yes | - |
| security.trust_center | - | https://www.spendesk.com/blog/expense-compliance/ |

## Capabilities (Expense & Procurement Software)

| Capability | Ramp | Spendesk |
|---|:--:|:--:|
| **Core** |  |  |
| Expense reporting | ✓ | ✓ |
| **Cards** |  |  |
| Corporate cards | Both | Virtual |
| Real-time spend controls | ✓ | ✓ |
| **Payables** |  |  |
| AP automation (bill capture + pay) | ✓ | ✓ |
| Receipt / invoice OCR | ✓ | ✓ |
| International payments (ACH/wire/FX) | ✓ | ✓ |
| **Procurement** |  |  |
| Procurement | Full P2P | Full P2P |
| **Travel** |  |  |
| Travel booking | Native | Integration |
| **Integration** |  |  |
| Accounting sync | Two-way | One-way |
| SSO / SCIM | - | ✓ |
| **Commercial** |  |  |
| Funding model | - | SaaS fee |
| Multi-entity / multi-currency | ✓ | ✓ |
| **Platform** |  |  |
| API access | - | Full |

*Source: vioscaleAI. Generated 2026-10-16T18:32:05.159Z. "-" = undocumented, not absent.*