# Ramp vs Tipalti

**Leader by Vioscale score:** Ramp

| Attribute | Ramp | Tipalti |
|---|---|---|
| **Vioscale score** | 71.7 (53% (medium)) | 58.4 (9% (low)) |
| 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. | Tipalti provides integrated finance automation tools that help organizations streamline accounts payable, mass payments, procurement, expense management, and treasury operations. The platform uses AI agents to reduce manual work across invoice processing, payment approvals, compliance, and reporting while supporting multi-entity and multi-currency workflows across 200+ countries. |
| 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,"spend_controls":true,"accounting_sync":"one_way","expense_reporting":true,"international_payments":true}` |
| integrations.count | 2 | 11 |
| integrations.list | `[{"name":"Slack"},{"name":"Microsoft Teams"}]` | `[{"name":"Oracle NetSuite"},{"name":"Intuit QuickBooks"},{"name":"Sage"},{"name":"Microsoft Dynamics 365"},{"name":"Acumatica"},{"name":"Xero"},{"name":"SAP Business One"},{"name":"SAP S/4HANA"},{"name":"Everflow"},{"name":"LinkTrust"},{"name":"HitPath"}]` |
| market.availability | `{"primaryMarkets":[],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":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"]}` | - |
| pricing.free_tier | yes | - |
| pricing.model | commercial | commercial |
| pricing.price_level | mid | - |
| pricing.transparent | yes | - |
| security.disclosure_policy | yes | - |
| security.fedramp | yes | - |
| security.iso27001 | yes | - |
| security.pci | yes | - |
| security.soc2 | yes | - |

## Capabilities (Expense & Procurement Software)

| Capability | Ramp | Tipalti |
|---|:--:|:--:|
| **Core** |  |  |
| Expense reporting | ✓ | ✓ |
| **Cards** |  |  |
| Corporate cards | Both | - |
| 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 | - | - |
| Multi-entity / multi-currency | - | ✓ |
| **Platform** |  |  |
| API access | - | Full |

*Source: Vioscale. Generated 2026-09-01T16:44:31.486Z. "-" = undocumented, not absent.*