# Ramp vs Spendesk

**Leader by Vioscale score:** Ramp

| Attribute | Ramp | Spendesk |
|---|---|---|
| **Vioscale score** | 71.7 (53% (medium)) | 41.1 (58% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | 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. | Spendesk combines expense tracking, corporate cards, accounts payable, and purchasing workflows on a unified platform, using AI to automate data processing and maintain spending control. |
| features.capabilities | `{"ocr_capture":true,"procurement":"full_p2p","ap_automation":true,"spend_controls":true,"travel_booking":"native","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":true}` | `{"api_access":"full","ocr_capture":true,"procurement":"full_p2p","multi_entity":true,"ap_automation":true,"funding_model":"saas_fee","spend_controls":true,"accounting_sync":"one_way","corporate_cards":"virtual","expense_reporting":true,"international_payments":true}` |
| integrations.count | 2 | 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"}]` |
| market.availability | `{"primaryMarkets":[],"availabilityScope":"global","availableCountries":[],"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":"hybrid","plans":[{"free":false,"name":"Foundations","summary":"Fixed monthly platform fee plus variable transaction-based pricing. No card fees or per-user fees.","features":["Unlimited physical cards","Unlimited virtual cards","Single-use virtual cards","Recurring virtual cards","Multi-use cards","Automated receipt OCR","Expense reimbursement and tracking","Receipt matching and collection","Real-time budget monitoring","Custom spend rules and automated reminders","Multi-entity workflows and reporting","SSO and SAML authentication","Slack integration","Accounting integrations (Xero, QuickBooks, Datev)","40+ HRIS and ERP tool integrations","AI-based automation and fraud detection","Open API access"],"description":"Base platform package with unlimited cards, users, and control settings","contactSales":true}],"addOns":[{"name":"Procure to Pay"},{"name":"Accounts Payable"}],"summary":"Hybrid model with fixed subscription and per-transaction variable fees. Custom quotes available; contact sales for pricing.","freeTier":false,"sourceUrl":"https://www.spendesk.com/","retrievedAt":"2026-08-04T08:34:34.903Z","billingPeriods":["month"]}` |
| pricing.free_tier | yes | no |
| pricing.model | commercial | commercial |
| pricing.price_level | mid | unknown |
| pricing.transparent | yes | no |
| reliability.status_page | - | yes |
| security.disclosure_policy | yes | yes |
| security.fedramp | yes | - |
| security.gdpr | - | yes |
| security.iso27001 | yes | yes |
| security.pci | yes | yes |
| security.soc2 | yes | - |

## 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** |  |  |
| Accounting sync | Two-way | One-way |
| SSO / SCIM | - | - |
| **Commercial** |  |  |
| Funding model | - | SaaS fee |
| Multi-entity / multi-currency | - | ✓ |
| **Platform** |  |  |
| API access | - | Full |

*Source: Vioscale. Generated 2026-09-01T15:09:50.480Z. "-" = undocumented, not absent.*