Center vs Ramp: Which Is The Top Pick in 2025?

Many businesses look to Center and Ramp for their financial management needs. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare, helping you determine which is the best fit for your business. Additionally, we'll also explore Rho as a third option worth considering.

Center Overview

Center operates in the real-time expense management category. Their main value proposition lies in offering a comprehensive corporate card and expense management solution. This helps finance and accounting teams, controllers, employees, and C-suite executives streamline spending, save time on month-end close, enhance compliance, and gain data-driven insights.

Center Features

Some of the key features of Center include:

• Spend: The CenterCard® Mastercard® captures spend as it happens and automates the expense process from start to finish.
• Manage: Customizes Center to your processes, policy rules, approval flows, and more, saving time for spenders, approvers, and accounting while increasing control.
• Travel: Manages travel and expense in one place, providing visibility and control of all travel, including off-platform bookings. Facilitates easy, on-budget, and policy-compliant trip bookings.
• Analyze: Identifies patterns, monitors trends, and spots outliers. Breaks down spend by vendor, employee, project, or department to forecast more accurately.

Center Pricing

Center offers a flexible pricing structure without upfront investments or licensing fees.

• Corporate Card Program: Includes CenterCard, individual/department cards, virtual cards.
• Expense Automation: Dynamic approval workflows, custom fields, ERP integrations, intelligent software audits.
• Travel Booking: Manage travel and expenses in one place, easy booking within policy.

The prices for each tier are not publicly listed.

Drawbacks To Center

General user reviews of Center highlight its ease of use and efficient expense management, but some users have noted issues with system performance and reporting capabilities.

• "The real-time expense tracking allows for immediate visibility into transactions, but the system can be slow at times." - Verified User
• "Center is user-friendly and secure, but the reporting options are somewhat limited." - Jenie M.

For more detailed reviews, visit Center Reviews & Product Details.

Ramp Overview

Ramp operates in the spend management, corporate cards, and accounts payable solutions category. Their main value proposition is to save time and money by offering an integrated platform for corporate cards, bill payments, and accounting. Ramp primarily serves startups, small businesses, mid-market companies, and enterprises.

Ramp Features

Some of the key features of Ramp include:

• Corporate Cards: Provides unlimited physical and virtual cards with card issuing controls and expense policy enforcement.
• Expense Management: Automates expense submissions, receipt collection, and matching, ensuring compliance with company policies.
• Accounts Payable: Processes bills quickly with invoice extraction (OCR) and basic approval workflows.
• Procurement: Manages the intake-to-pay process, including vendor onboarding and purchase order management.

Ramp Pricing

Ramp offers subscription tiers with varying features and pricing.

• Free: $0 per month per user, best for smaller teams.
• Plus: $15 per month per user plus a platform fee based on team size, with a 20% discount for annual billing.
• Enterprise: Custom pricing, designed for teams needing full customization.

Drawbacks To Ramp

The overall consensus from the reviews is highly positive, with users appreciating Ramp's ease of use and efficiency, though some minor issues with specific features and integrations were noted.

• "Ramp saves us so much time. No more expense reports & that our team members can get paid directly for reimbursements - & they love that also." - Mark P.
• "The customer service 'Chat AI'. Ramp should consider finding people who know how to develop one. The current is clearly not AI based. It doesn't ask questions and can't solve much like a real support can." - Jered G.

For more detailed reviews, visit Ramp Reviews 2025: Details, Pricing, & Features | G2.

What to Know Before Picking Center or Ramp

Looking at the reviews as a whole, businesses using Center often face limitations with reporting capabilities and system performance. Users have noted that the platform can be slow and that setting up certain features manually can be time-consuming.

On the other hand, Ramp users frequently mention issues with card management and integration with accounting software. The inability to set time zones for card resets and challenges with exporting data into certain ERP systems are common pain points.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with Center and Ramp, such as system performance issues and integration difficulties. Our platform is designed to offer seamless expense management, robust reporting, and smooth integrations, making financial operations more efficient and less cumbersome for your team.

Rho Features

• Expense Management: Our platform eliminates the need for traditional expense reports by capturing every receipt automatically. This ensures compliance and saves time, addressing the manual workload issues faced by users of Center and Ramp.
• AP Automation: We allow businesses to pay hundreds of vendors in minutes with zero platform fees. This feature solves the problem of time-consuming vendor payments, which can be a hassle with other platforms.
• Rho Treasury: Our solution safeguards idle cash and earns interest, optimizing cash management. This addresses the issue of unproductive idle cash that businesses often face.
• Integrations: We offer direct integration with accounting, HR, and T&E software, ensuring seamless workflow and reducing the need for manual data entry. This solves the integration difficulties users experience with Center and Ramp.
• Rho Platinum: Our corporate credit card offers up to 2% cashback¹, providing a financial benefit that can offset operational costs. This is a significant advantage over other platforms that do not offer such incentives.
• Custom Card Controls: We provide real-time monitoring of corporate spend with custom card controls, enhancing financial oversight and addressing the need for better spend management.

Rho Pricing

We offer a straightforward and transparent pricing structure that sets us apart from competitors like Center and Ramp. Our pricing is simple, with many core services available at no cost, making it easy for businesses to manage their finances without worrying about hidden fees.

• $0 monthly fees: No charge for accessing our platform, ensuring you can use our services without a subscription.
• $0 same-day ACH fees: No cost for same-day ACH transactions, allowing for quick and efficient payments.
• $0 wire fees: No fees for wire transfers, making it cost-effective to send money domestically.
• $0 support fees: Access to customer support without any additional charges, ensuring you get the help you need from day one.
• $0 checking account minimum fees: No minimum balance requirements, giving you flexibility in managing your funds.
• $0 connected, in-platform capabilities: Use our AP, Expense, and Accounting Automation features without any extra costs.
• $0 per-user fees: No fees per user, making it affordable for teams of any size to use our platform.
• 1% foreign currency transfer: A minimal fee for foreign currency transfers, ensuring cost-effective international transactions.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

• "Rho is everything a corporate card program should be - And it's free to the users and employers!" - Tyler M., Chief Financial Officer, Small-Business
• "From day one, using Rho has been simple and straightforward." - Kevin K., Director of Marketing and Analytics, Mid-Market
• "Modern, flexible, tech-centric user experience on traditional credit card services." - Pete S., Mid-Market

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—Center, Ramp, and Rho—has its strengths. Center excels in real-time expense management, while Ramp offers robust spend management and accounts payable solutions. However, both have limitations in system performance and integration capabilities.

This is where Rho comes in. We provide seamless expense management, robust reporting, and smooth integrations, addressing the pain points users face with Center and Ramp. Our transparent pricing and comprehensive features make us a superior choice for businesses seeking efficiency and cost-effectiveness.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can transform your financial operations. Get started with Rho today.