5 Ramp Alternatives For Startups in 2025

Ramp is a company that provides spend management solutions, corporate cards, and accounts payable solutions, all designed to save time and money for finance teams. Their platform aims to replace multiple tools with a single, efficient solution.

However, Ramp doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, Brex, Airbase, Spenmo, Yokoy—each offering unique advantages to meet different business requirements.

5 Alternatives to Ramp

1) Overall Pick: Rho

At Rho, we are dedicated to transforming the way businesses manage their finances. Our platform is designed to support founders and finance teams by providing a centralized system for handling cash, expenses, and financial operations seamlessly.

Rho Key Features

• Rho Platinum: Offers up to 2% cashback¹ on all purchases made using Rho's banking and card services.
• Rho Bill Pay: Allows businesses to pay hundreds of vendors in minutes with zero platform fees.
• Expense Management: Eliminates the need for traditional expense reports by capturing every receipt automatically.
• Rho Treasury: Provides a secure way to safeguard idle cash and earn a dynamic percentage yield.
• Rho Integrations: Directly integrates with accounting, HR, and T&E software for seamless financial operations.
• Rho Partner Portal: Built specifically for world-class accounting partners to streamline their processes.
• 24/7 Private Banking Support: Ensures that businesses have access to dedicated support at any time.

Unlike Ramp, which focuses heavily on spend management, Rho's Bill Pay feature stands out by offering zero platform fees, making it a cost-effective solution for businesses looking to streamline their vendor payments.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to save you money. Many of our essential services are free to use, making it simple to manage your finances without worrying about hidden costs.

• $0 Same-Day ACH fees: No fees for same-day ACH transactions.
• $0 Wire fees: No fees for domestic wire transfers.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one without requiring a monthly plan.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation tools.
• $0 Per-user fees: No fees per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• Time-Saving: "The company implementation of Rho was easy and took less than 2 hours. We sync with QuickBooks Online seamlessly, which has saved the finance department 60 hours per month."
• Expense Management: "Rho offers our users a one-touch experience for reporting company expenses on a corporate card."
• Customer Support: "The customer support team is amazing and each interaction with them is pleasant, informative, and positive."

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

Source: Rho Reviews & Product Details

2) Brex

Brex is a financial technology company that provides a modern finance software platform designed to help businesses manage their finances more efficiently. Their offerings include corporate cards, expense management, travel management, bill pay, and banking and treasury services, all aimed at automating financial processes and controlling spending.

Brex Key Features

Brex offers a range of features designed to streamline financial operations for businesses.

• Corporate Cards: Brex provides corporate cards that enable global spending with integrated controls to manage and monitor expenses effectively.
• Expense Management: The platform leverages artificial intelligence to streamline the approval and reporting of expenses, offering real-time tracking and automation.
• Travel Management: Brex includes features for in-app travel booking and management, facilitating easier handling of travel-related expenses and itinerary adjustments.
• Bill Pay: This feature automates the entry and approval of invoices and payments using AI, aiming to reduce the time and effort required for these tasks.
• Banking and Treasury: Brex offers banking services with a competitive yield on cash deposits, quick global payment options, and additional FDIC insurance to protect funds.

Brex Pricing

Brex offers tiered pricing plans to cater to different business sizes and needs, ranging from free to custom pricing.

• Essentials: $0 per user/month. Includes global card acceptance, AI-powered rules, and accounting integrations.
• Premium: $12 per user/month. Adds customizable expense policies, advanced approvals, and multi-entity support.
• Enterprise: Custom pricing. Offers unlimited entities, local card issuance, and personalized support.
• Smart Card: Custom pricing. Provides global cards, local-currency cards, and merchant card controls.

Drawbacks To Brex

General user reviews of Brex highlight its ease of use and intuitive interface, but some users have noted issues with integration and manual entry requirements.

• "Brex is super easy to use, whether it's expensing a purchase, submitting a reimbursement, or transferring funds." - Verified User
• "The approval process can be cumbersome and sometimes requires manual intervention, which slows down our workflow." - J.K.

Source: Brex Reviews & Product Details

3) Airbase

Airbase is a comprehensive financial platform that offers solutions for procure-to-pay, accounts payable automation, and expense management. It integrates with over 70 ERPs and provides features like guided procurement, AP automation, expense management, and corporate cards, designed to enhance visibility, control, and compliance in financial operations.

Airbase Key Features

Here are some notable features of Airbase:

• AI-powered, Touchless AP and Expense Reporting: Automates accounts payable and expense reporting using AI-based OCR and generative AI to create expense reports from receipt images.
• Guided Procurement with No-Code Routing: Automates the procurement process with a guided buying process and no-code routing to ensure compliance and control.
• Versatile Corporate Card Program: Offers a flexible card program that supports Airbase virtual or physical cards, as well as AMEX and SVB cards, with pre-approvals and ERP integration.
• Comprehensive Integrations with 70+ ERPs: Supports a wide range of ERP systems, including NetSuite, Sage Intacct, QuickBooks, and Microsoft Dynamics, with options for enhanced file exchange and custom API integrations.
• Active Community and Networking Opportunities: Hosts an active Slack community called "Off the Ledger" and features a monthly interview series "Path to Becoming a CFO" with top CFOs and industry leaders.

Airbase Pricing

Airbase offers customized pricing plans based on company size and specific needs, with a focus on delivering high ROI and efficiency.

• Enterprise: Full platform experience with advanced features for large organizations up to 10,000 employees.
• Premium: Advanced integrations and features for mid-sized companies up to 500 employees.
• Standard: Scalable entry package with core modules for companies up to ~200 employees.

Drawbacks To Airbase

General user reviews of Airbase highlight its efficiency and ease of use, but some users have noted issues with navigation and missing features.

• "Airbase simplifies our expense management, but navigating the platform can be cumbersome and slow." - Alison P.
• "The platform is user-friendly, but it lacks some essential features we need for our operations." - Naor V.

Source: Airbase Reviews on G2

4) Spenmo

Spenmo offers a platform that empowers businesses with enhanced visibility and control to automate their existing spend management processes. It provides tools for bill management, reimbursements, corporate debit cards, and seamless accounting software integration.

Spenmo Key Features

• Smart Scanning Technology: Reduces manual effort and errors in bill processing.
• Custom Approval Workflows: Allows for customizable approval processes to maintain control over spending.
• Multi-Level Approval Process: Ensures in-policy spending and reduces petty cash spend.
• Seamless Integration with Accounting Software: Syncs with Xero, Netsuite, Quickbooks, and Jurnal for faster reconciliation.
• ISO 27001 Certification: Ensures rigorous adherence to global information security standards.

Spenmo Pricing

Spenmo's pricing is not public. Contact their support for more info.

Drawbacks To Spenmo

General user reviews of Spenmo highlight its user-friendly interface and efficient payment management, but some users have noted issues with payment errors and transaction syncing.

• "Spenmo's virtual cards and accurate transaction history are great, but payment errors can be frustrating." - Jun P.
• "The platform is easy to use, but better transaction syncing with accounting software like Xero is needed." - Bryan Z.

Source: Spenmo Reviews & Product Details

5) Yokoy

Yokoy is an AI-powered spend management platform designed to control, optimize, and streamline finance operations by managing invoices, expenses, and payments through a single platform. The platform leverages artificial intelligence to automate processes, ensure compliance, and provide real-time spend data, making it a comprehensive solution for businesses looking to enhance their financial efficiency.

Yokoy Key Features

• Intelligent Automation: Yokoy offers zero-touch spend management with a self-learning AI that adapts to the company's and employees' workflows.
• Control without Complexity: This feature ensures compliance with company policies and regulatory requirements through admin controls, workflows, and AI-powered verification.
• End-to-End Visibility: Yokoy captures an audit-proof data trail from every invoice, receipt, and transaction, providing a real-time view of company spend.
• AI-Powered Verification: Yokoy's proprietary AI enhances data capture, improves verification processes, and reduces manual work by ensuring every transaction is verified against company policies and regulations.
• Custom Fit and Integrations: Yokoy dynamically adapts to each entity and transaction, offering pre-built connectors to ERP, HR software, travel booking tools, and other finance software for seamless integration.

Yokoy Pricing

Yokoy's pricing is not public. Contact their support for more info.

Drawbacks To Yokoy

General user reviews of Yokoy highlight its efficiency and ease of use, but some users have noted issues with the app experience and processing delays.

• "The automation is great, but the app experience needs improvement. It often lags and crashes." - Patrick H.
• "Yokoy simplifies expense management, but processing delays can be frustrating." - Shauna T.

Source: Yokoy Reviews 2025: Details, Pricing, & Features | G2

How to select the right Ramp alternative?

• Identify Your Needs: Assess your business requirements, such as expense management, AP automation, or corporate cards, to find a platform that aligns with your goals.
• Evaluate Key Features: Compare the features offered by each platform. For instance, Rho's zero platform fees for AP automation can be a significant cost-saver.
• Consider Integration Capabilities: Ensure the platform integrates seamlessly with your existing accounting, HR, and T&E software for streamlined operations.
• Review Pricing Structures: Look for transparent and cost-effective pricing. Rho's $0 fees for many essential services make it a budget-friendly choice.
• Check User Reviews: Read reviews from other businesses to understand the pros and cons of each platform. User feedback can provide valuable insights.
• Customer Support: Consider the quality of customer support. Having 24/7 access to dedicated support, like Rho offers, can be crucial for resolving issues promptly.
• Request Demos: Take advantage of free demos to experience the platform firsthand and determine if it meets your business needs effectively.

Getting started with the best Ramp alternative

Choosing the right financial platform for your business is crucial, and each of the alternatives to Ramp—Rho, Brex, Airbase, Spenmo, and Yokoy—offers unique features that can cater to different needs. However, if you're looking for a comprehensive solution that combines cost-effectiveness, robust features, and exceptional customer support, we recommend Rho.

Ready to experience the benefits of Rho firsthand? Request a demo today and see how Rho can streamline your financial operations and help your business thrive.